Building for the Barbells

Over the past decade we have seen a wave of consumer fintech innovation unbundle the traditional bank and financial services platforms as younger customers have poured in to those emerging leaders. But no recent consumer-focused fintech player has built a new, large financial services platform specifically focused on America’s aging population. Giv... See more

As I said in the previous point, there’s an increasing number of people who are aged 55+, who are still working (especially that in many societies we’ll work longer), have money to spend, are fit/healthy and who have specific needs. This is why I think models like Wisr (a marketplace for senior talents listed on the landscape) or a Peloton for boom... See more

You'll need a business model that aligns you with not only consumers who can already afford gym memberships, digital subscriptions, and Whole Foods trips but with the mass market of consumers that have never been given the tools and frameworks to meaningfully incorporate wellness into their lives.

If the 90s was about thinking through your build, the 2020s is about thinking through marketing & distribution.

Among digital natives, everything is social. We see a steady march toward more social products. Examples from the Daybreak portfolio, across a range of sectors:

• Investing: AfterHour, which offers a social hub for trading and financial learning


• Dating: Amori, which takes single-player dating and makes it collaborative and social with LLM-powered ma

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In seeking stronger financial safety nets for millions of underserved Americans, might an identity-driven approach emerge as the most effective wedge into the broader financial services ecosystem? If so, might specific identity-aligned slices of the 57 million freelancers, 60 million Hispanics, or 73 million Boomers present attractive, addressable ... See more

In the next decade we will see a new generation of investing brands fight to become the primary brokerage for Millennials and GenZ. Why? Robinhood’s success awakened the investment mindset amongst Millennials/GenZ, and it’s not just equities. It’s trading cards, fine wine, vacation homes, streetwear, and other lifestyle assets turned investments.