Why Saving Isn’t Enough Anymore

Well, hello. It’s me, Mary Wisniewski, editor-at-large at Cornerstone Advisors and host of Money Isn’t Everything, a show that explores anything other than just holding money because, well, that’s a commodity thing.

Today on the show is Ronnie Green, CEO and co-founder of AlgoPear, and that’s a financial wellness platform for credit unions and banks.

He has a fascinating story, from living in his car as a college athlete to learning to invest, making money and founding his own company.

On the show, we talk about what younger consumers want from their financial institutions, where financial education goes wrong, and what institutions need to make sure they have right before going hard on GenAI.

Here’s our conversation.

Ronnie, welcome to Money Isn’t Everything.

It’s great to have you on the show today.

Yeah, I’m so glad to be here.

Well, I know we’ve had a pre-call, so I already know you’re a great conversationalist.

But I just want to get right at it.

Your ambition at AlgoPear is nothing short of trying to democratize wealth.

You’ve described a very pivotal moment in your early 20s when you were homeless and trying to figure out your financial future.

I wanted to start there because it feels very important.

What was going through your mind then, and how do you think it shaped what you’re building now?

Absolutely.

I’m happy to share.

I wouldn’t recommend it for anybody out there.

Don’t live in your car.

But if you are in that position, it doesn’t have to be that extreme.

I had just made some young, dumb money mistakes, as most people do when they’re in their early 20s.

No sense of direction, what to do.

So I ended up living out of my car while I was a student athlete in college.

Through that process, what was really going through my mind, especially at night, because I was also an athlete, so I worked out in the morning and at night, I did have some clarity there.

I understood that I needed to get out of the situation, but just didn’t know where to start.

So the first thing I did was go to people I knew were successful.

I knew they were successful.

Success was pouring all over them in their conversations, in their lifestyle and their freedom, those things that I noticed that I wanted for my life.

That was my first step.

If I don’t know what to do, ask someone who is either where you want to be or represents something that you want to represent for yourself.

I heard so many different things, real estate, stocks, everything.

And I was like, well, here I am in college.

One, I have school.

That’s what I’m there for.

Two, I have all these other things, football, weights, my life.

And I said, I have to sacrifice something.

I wasn’t willing to sacrifice football.

That was my first love.

School was important to me.

Education is important to me.

But it was my social life that I had to sacrifice to start somewhere.

I said, I don’t have a lot of time, so I need to be able to move my money, the money I did save up from working two night jobs, to allow it to grow while I’m in college and doing the things that I’m there to do.

That’s why I chose stocks.

Real estate, you kind of have to be there in person.

You kind of have to explore.

There are so many different avenues for real estate.

But investing in the stock market was one that fit my lifestyle at the time, understanding that I was a busy person.

I wasn’t going to be able to be on a computer or be present at a real estate deal.

So that’s why I chose stocks.

And the story, took five grand, turned it into $100,000.

I’m happy to get into the weeds of how that came to be and how I came to be a part of the 5% club of retail investors who actually can do it on their own and can produce a profit.

Yeah.

I was just going to highlight that this isn’t a typical story.

It’s definitely exceptional, and I would like to go into that.

But before we do, I kind of want to get into your headspace.

Usually when people are starting to invest, there’s a nervousness there.

But your storyline is at a different space, right?

It’s not necessarily fear of losing, fear of not making enough in a certain amount of time kind of thing.

What was it like emotionally when you’re like, oh, I’m investing now?

I can say this.

I was pretty excited, and that excitement turned into obsession because I had just got out of the situation.

I had just saved up my first five grand.

So I’m feeling good.

I got my first apartment at the age of 21.

And so I’m like, all right, things are progressing.

And I think that’s something that I speak on a lot today on LinkedIn and to anyone out there trying to serve the next gen, and on all the other platforms too when I talk and speak to next gen, is that for us young people, it’s instant gratification.

I want it now.

But you’ve kind of got to get out of that mindset and understand where you’re trying to go and what you’re trying to accomplish.

For me, it was really just an emotional drive, an emotional high because I’m making progress.

That’s where my happiness relied on, or that’s what really drove me to get up.

It’s kind of bigger than me, but at the same time, I have to take care of me first so I can take care of other people.

And that just gave me an emotional roller coaster.

The ups and downs, all that happened.

Every different emotion I went through.

But I kept on to the high emotions, the good emotions.

Of course, depression, those things happen.

But for me, it was about, how can I keep holding on to the highs in those moments?

That way, if I hit another low, I still have that emotional drive, which helps me essentially execute on what I’m trying to do and stay focused and stay disciplined and not get sidetracked by all the things in life that are designed to distract us from our goals.

Well, Ronnie, this is where I want to introduce the segment, “That’s What You Said,” because you said this on a podcast, but it ties to what you just said, and I think it’s so beautiful.

You said, “Jobs come and go. Maybe you get fired or laid off. What could have sustained me? So I said, I have to grow my money. I have to grow my nest egg. I can’t just have a savings account that runs out.”

We’ve kind of been talking about that already, but walk me through that.

I’ll call it an aha moment, and how it shaped the path you took, the mindset to go from savings to investing.

Which is also my message.

It’s a very strong message.

We work with financial institutions at AlgoPear, and I know it’s real strong to them to hear that because we’ve been taught, save, save.

What I realized when I entered into living in my car, I had savings.

It depleted.

And it didn’t move.

The money I had saved, it didn’t grow.

Even with a CD from a credit union or a savings account at the time, and that was 2015.

When I entered that stage, I understood that if I want to build generational wealth, I want to help my family.

I’m not a trust fund kid.

So if I want to live that life, I have to start thinking long term.

I have to understand, how do the wealthy move their money?

What do they do?

And we live in an age of information.

So of course I Googled it.

I YouTubed it and learned that they invest.

They’re not just saving.

Of course they have a savings account and a nest egg for a rainy day, but they are heavily invested.

They don’t keep most of their net worth in cash.

Some are 1%, 10% of their net worth actually in cash.

And so when I understood that, I’m like, okay, if I want to be wealthy, that’s what I need to start doing.

I need to start investing my money.

Because when those rainy days come, or you lose a job, or today when inflation is high and everything’s expensive, like I’m trying to go get eggs and I’m paying a whole lot of money to buy some eggs, then I need to understand that my money needs to grow.

Your money has to grow.

You can’t reach wealth.

Your version of wealth doesn’t have to be Elon Musk.

But if you are that ambitious, you definitely have to invest.

But if you just want to have a four-bedroom home, some land to leave for your kids, some assets, then you absolutely have to get out of the saving mode.

You have to hit your savings target.

I’m not saying don’t save, but once you save up six months, 12 months of savings, you need to start heavily investing, especially if you’re young.

Well, it’s National Financial Literacy Month, so this is all very applicable.

You mentioned how, when you were starting your investing journey, you were watching YouTube videos and that kind of thing.

But I’m kind of curious, at Algo, how are your educational offerings engaging with your customers?

I know it’s one of those really hard things, generally speaking, like, no, don’t talk to me about personal finance.

But what’s clicking for your users?

What’s clicking is what’s already clicking for our users, our members.

They’re already playing games.

They’re already engaged with entertainment.

You don’t want to try to take them away from that habit and rip and replace.

That’s where I see some people that are building or some institutions, they’re trying to send newsletters, emails.

With the next generation, my generation, this is not happening.

I’m not about to read a long memo or email.

When I was going on YouTube, the reason why I went there was because when I first saved up my five grand, I went to a bank and credit union.

They had a brochure.

They had some type of webinar.

I think at the time they had some workshops.

And to me, I was doing everything on my phone.

That’s where my attention was.

I was already playing games on the phone.

So how we do it at Algo is we don’t change that.

We gamify the experience.

If you’re getting education from Seline, which is our agentic AI that’s educating you on what to do, she sees your financial history, your habits, and she knows your goals.

She’s educating you on how to take the steps and make practical progress toward those goals.

And then you get rewarded for those conversations.

You get points.

And those points don’t only just go toward getting a free dinner or getting a discounted trip to your favorite location, but also, hey, you get one month free rent.

And when that starts to click to the young generation, that, hey, because I’m making progress, I am educating myself.

If I want to go deeper, I can watch a video.

Seline can send me a video.

I can take a small course.

Seline can engage with me, ask me questions, and I’m earning points.

And those points lead to things that I want.

Oh yeah, I’ll do that twice on Sunday.

That’s the engagement piece that I think a lot of financial institutions are missing.

You don’t want to say, “Hey, you need to come to this workshop and you need to do this.”

No.

You need to meet them where they’re already at, and they’re on their phones 24/7.

I think we got a name for it, Mary.

It’s called doomscrolling today.

Doomscrolling.

And let’s plug in and make financial progress a game because they’re playing games and their avatars on the game are making financial progress.

So let’s turn that into real life, but let’s keep it gamified and you’ll grab their attention.

I am so glad you brought up Seline because I was just at Fintech Meetup, and so of course, chatter, AI agents, everyone going bonkers for it as an idea.

And you have it out in the wild.

From your perspective, is this an overhyped area?

What do you think people are getting wrong, and where do you see the most opportunities for progress through an agent?

Okay.

So of course it’s going to get good.

Of course there is hype because I don’t want to demean anybody’s understanding of AI to them and what they see.

But there is a lot of hype.

And there’s going to be hype in every industrial revolution.

When the internet came out, there was a lot of hype, but the internet is still here.

So there’s some truth to what agentic can do.

There is truth and the power to solve real-world problems.

But I think where people are getting agentic AI wrong is just because they don’t understand the power of it truly and what it’s meant to do.

It’s meant to enhance.

It’s not meant to fix.

So if you have a problem with your strategy, or if you have a problem with your systems and how you operate, and you have messy data, AI is going to automate and make it autonomous to mess up.

It’s not going to fix what you have.

It’s going to enhance it.

And I think that’s where, specifically in financial services, it’s a big misconception.

You think AI is going to fix it.

It’s not.

It’s going to enhance the strategy that’s in place.

And if you haven’t already tested your strategy, you haven’t tested your systems, you haven’t tested what it can do in the financial area, then you don’t want to apply AI to it because it’s so powerful that it’s just going to enhance it and make it even greater.

But if you don’t fix the things before, then you’re just going to have a big AI mess.

You know what?

This is really important because I do know credit unions and banks struggle with the messiness of their data.

And I am wondering, Ronnie, it seems like such a big to-do.

Like, oh man, I’ve got to untangle all this data mess so I can move along with what customers are going to expect next.

Do you have any advice for a credit union or a community bank of, oh, this is a good place to start to be able to then proceed with an agent?

Yeah.

This is such a big topic right now.

The word is out.

Everyone’s talking about how credit unions’ core data is messy.

It’s clunky.

It’s not organized.

I think you start there first.

Because everyone’s excited about AI, but when you work with a fintech that can implement AI in your systems and you have an old core system that cannot interact with it well, that leads to what we just talked about.

It’s going to be messy.

But for now, I think the data needs to be structured.

You have to clean it up.

Then you have to understand it.

Every leader, not just at the board level but the executive level, needs to understand their data.

You need to look at it.

Spend some time with it.

Study it.

So that way you know how to implement strategy, create strategy and adjust your strategy.

But if your data is messy, it’s not clean, if you don’t fix it, man, it’s going to bite you later.

It’s going to bite you in the butt, and it’s going to be a big chunk because you have to fix it anyway to interact with these agentic systems.

There is a lot of conversation that I see on LinkedIn, and a lot of conversations from the direct core systems that are providing this data and creating these systems.

If you are having those problems with your core and they’re not moving, sorry, you may have to, for the betterment of your members and your institution and the employees at the credit union who want to do great work, you have to start exploring other options.

You may need to do a sidecar with another data provider that’s more cloud-based, more structured.

And I hate to say that because I have friends that work at these behemoth cores.

But we’re in a time where things are happening faster than the dot-com boom.

Every week, every day, there’s a new launch of a new product that can really help.

And if you keep your members in mind, sometimes you have to make sacrifices.

Just how you have a family.

I had to sacrifice something in my life to get to where I’m trying to go.

That was my social life.

For your family, you may have to sacrifice whatever it needs to be to make sure that your family members are taken care of, make sure that you’re taken care of.

It’s such a tough conversation because there’s a lot of rip-and-replace language that’s being thrown around.

And I know Fiserv is doing some great work.

I know the CEO well over there, and he is starting to make changes and do them in increments instead of rip and replace.

That’s good.

That’s healthy because it allows the FIs to digest what’s going on.

And like I said, learning that data, understanding your data, but making sure it’s structured and organized.

That way you can scale out into this new era of AI and you can implement those a lot faster.

This makes me have two questions.

One, you mentioned product being able to develop faster.

How is that showing up for you at AlgoPear?

I keep hearing entrepreneurs being like, whoa, we can go.

I’m like, what does that mean?

How much quicker is quicker?

What’s an example that you would cite to be like, wow, it helped me do this and I couldn’t do that before, or something along those lines?

Yeah.

So I can speak for AlgoPear, and I know a lot of other founders specifically in the fintech space.

What used to take three months to build, it can happen in a weekend.

Wild.

That’s the power.

Because another thing with fintech founders as well too is that if you don’t know what you’re coding, you don’t know how to code, you don’t know how to structure your infrastructure, you don’t know what’s going on and you’re just out there vibe coding and trying to build apps and you don’t understand it, it’s going to crash.

It’s going to be buggy.

It’s going to have cybersecurity attacks.

So you’ve got to understand that too.

Not just for FIs, but fintech founders, because I’ve seen some people build some AI slop and it’s like, man, you’re exposed.

Your data is exposed.

And so yeah, what used to take six months, three months, now happens in a weekend, especially if you know code, the knowledge of what you’re building.

You have deep, deep tech knowledge into what agentic AI is and the power that it can accomplish.

When you know that and you can vibe code, or you can use Anthropic, Claude Code, and you can use, I think, OpenAI’s system Codex, you can code these things.

But then you can understand it and clean it up because AI is not perfect.

It’s going to make mistakes.

But if you have the knowledge, you can go in there and fix it.

And it can even help you fix it.

You can code it within minutes to an hour rather than you having to spend two weeks trying to debug something.

And so that’s the power, and that’s why things seem like they’re moving a lot faster.

It’s because they truly are.

And the companies that you’ll see be successful and launch great products that can actually solve real-world problems are the deep-tech founders or the deep-tech executives that know what they’re trying to do.

And they can move really fast and use these tools to help them achieve their goals a lot faster.

Yeah.

I confess, if I tried to do coding with this, I would be generating a lot of slop.

But when I use it for writing, editing something, I’m like, oh, this is so much better for me because I can tell what is complete junk or otherwise spectacularly off in the case of me trying to code.

It’s like you almost need the skill to be able to use it well, to know what is lacking.

I can relate to that.

I’m not the best writer.

If you see me write on LinkedIn, I had to go back and learn how to structure sentences, paragraphs, because that’s not my strong suit.

Math was my strong suit.

So even then, I was like, hey, Ronnie, you’re putting out AI slop because I didn’t understand writing at the deepest level.

And so you do.

Writing must be great for you, and you can write great content.

Me, it’s going to take me a little bit more time.

We can use the same AI tool, and yours is probably going to be a hundred times better because you have that deep industry knowledge of what writing is and what good writing is.

So that’s a perfect example.

I’m still working on not producing AI slop in other areas.

Yeah.

Well, we both have our own versions of AI slop.

Absolutely.

But I guess at least we’re aware of it.

So that’s a starting point.

And Ronnie, I wanted to go back to how Seline is being used.

What are some popular ways it’s being used?

Yeah.

So Seline is purpose-built for community financial institutions.

Our vision is to free minds financially because we know young adults today, they need simple guidance, they need access, they need agency in a financial system that wasn’t built for them.

But into this new system, we’re opening that door and giving them the guidance without a middleman, without high minimum fees to get guidance.

That’s what we’re doing in a practical sense.

But on an individual level, we start with investing.

We can look at what’s saved.

Seline can look at that.

But then we need to understand where you’re going.

We need to know your goals.

What do you want to accomplish in the short term, but more importantly, in the long term?

Once we understand that, Seline, once she understands everything about your financial life, it’s one or two clicks.

She knows what’s going on.

She knows what you’re spending your money on, what you’re not doing.

Then once she understands where you’re trying to go, man, it’s powerful.

She can set up a portfolio that makes sense to you.

It’s not going to be cookie-cutter, something that you may get from an advisor because they have so many clients.

No.

It’s going to be specific toward you.

She’s going to help you build it, and it happens in minutes.

It doesn’t happen in weeks.

And then she’s autonomous.

So she’s always looking at the market, real-world events and understanding, hey, we may need to adjust the portfolio because of this.

We may need to maybe add a little bit more savings.

So let’s pause on the investing, or let’s slow down the investing and your contributions every week and let’s focus on that.

So she’s looking at everything in the world, tying it back to where you’re at today and where you’re at currently, and then where you’re trying to go, and mapping that out for you instead of you trying to talk to an advisor who doesn’t want to talk to you because you don’t have a lot of money.

They prioritize big deposit accounts.

So if you’re not there yet, if you’re not past $100,000, some FIs require more.

You have Seline today, and that’s how we’re using it from a practical sense and from a mission standpoint.

Crypto, digital assets, open up a door.

That door is to give people agency where they can transfer money if they’re underbanked.

They can hold money and they can own it.

And now AlgoPear is using Seline to open up that door through institutions.

Institutions can plug Seline into their banking app because that’s where the young people live, and they can get the guidance that they’re looking for.

And it helps the FIs also solve their problem.

They want to impact these young adults who are just starting out, and they want to keep them engaged because they actually want to help.

And that’s why we are purpose-built for the community institutions, because they have a mission behind it.

We don’t work with institutions who don’t understand that mission.

Because the whole point of what’s going on in society today, and we see it, inflation is high.

It’s probably not going to go down for a long time.

There are always financial market cycles, just like we had in 2008 when I was still in high school.

I remember that.

I remember the stress from my parents, what they were going through.

And that’s going to always happen at some point in time.

But Seline is going to make sure they’re prepared.

She’s going to give them guidance, encouragement as well too because she’s very conversational.

She’s not just a robotic conversation.

She understands you.

And she has the ability to also just create this system where it’s automatic.

It’s autonomous.

And you can stop thinking about all these financial problems and start focusing on why you’re here, why you were born, your purpose, the things you love and want to do, whether that’s spend time with family, whether that’s art, whether that’s being a doctor practicing medicine.

It doesn’t matter where you’re at in life, whether you’re a blue-collar, white-collar worker.

She’s designed to free your mind from that and create those disciplines for you and build those habits over time where, in 10 years, 15 years, you’re in a great position.

You’re in an outstanding position.

You have the confidence that life is good.

And it goes back to my story.

When I was making progress, that emotional high that I was talking about, it outweighed the emotional lows.

And it gave me confidence to know that I’m moving in the right direction.

I wish I had Seline back then, but that’s why I’m building it now.

Well, I do want to revisit your first comments.

Before we do that, though, you mentioned the advisor versus the bot.

And I have to imagine it could be so much more accessible to someone to be like, I’m talking to a bot versus a human who might be judging me severely and I can see it in their face kind of thing.

Do you think communicating with a bot opens up the door to more people to feel comfortable in their first interactions in financial services?

Yeah.

I would say the young generation is way more open to it than the older generation.

But at the same time, what Seline is, and other systems too, what it’s doing is just giving them agency and access to it instead of them having to wait until they reach that milestone.

That’s why we made it conversational.

That’s why it can speak and talk back to you.

You’re not just getting a kind of Siri-type response, but you’re getting something that just understands you from the bottom-line level and understands where you’re going.

And that really does help because if not, you don’t have access to it.

Then you have to search through YouTube like I did.

And now Gen Z is more so on TikTok.

Yeah.

And there’s a lot of great TikTok content, but we don’t know where.

You can’t just filter everybody on TikTok and understand, is this true?

Does this help?

Does this work?

And that’s where Seline comes in because it’s personalized.

Every advice is not good advice for you.

It can be good advice, but it’s just not for you.

And that’s what we try to make sure that Seline understands.

You need to understand this individual from a very meticulous level because, real estate was not good advice for me.

It’s good advice.

I’m getting into real estate now.

But at the time it wasn’t.

It was, no, Ronnie doesn’t have the time.

He’s working two night jobs, going to school, playing football.

He doesn’t have the time.

So stocks, digital online investing, that was for me.

And Seline can help map that out and give people agency to where they have access.

They don’t have to wait on a middleman or a big institution.

And so we want to give that power to the community institutions and make it affordable for them to offer this to people so that they can help.

And Seline has that training to understand, there are buckets of advice and we need to understand where this person’s at so that they’re not put in a bad bucket where it just doesn’t make sense for them.

They’re not seeing progress, and then they say, “Hey, Seline sucks. It’s very cookie-cutter.”

And we didn’t want that.

So that’s why we designed Seline the way we did, to make it really personalized for the individual.

Yeah.

The general advice.

I used to write for Bankrate, so it’s like these general pieces, maybe apply, maybe don’t.

But you brought up TikTok, and I think it’s still interesting because we just saw that Nubank hired a TikTok executive.

So I’ve got to imagine that’s going to be part of their U.S. expansion plan.

I’m still kind of bullish on short-form video for personal finance.

But to your point, there’s a lot of mess there on TikTok, and definitely don’t follow everything that you see.

I love TikTok too.

We’re on TikTok as well.

We have a nice-sized following on YouTube.

Short-form video.

I say this clip format, that’s how people learn.

Not even just the young generation.

Older generation.

I see my dad watching clips.

Pockets of information, and it’s quick.

It gives the young generation, who has a short attention span, time to digest and hear information.

And then when they want to dig deeper, then yes.

So we don’t turn away from TikTok at all.

We just know that Seline has to be able to verify this person, understand where this information is coming from, understand that person’s situation.

Seline has those capabilities today where, quick research, if you were on TikTok, Seline can look at the video, look at the script and see what you’re saying, and then tie it to your life, your story.

Because a lot of information is out there.

And then your TikTok may be for 20% of the bank’s or the credit union’s members.

It may not be for all.

So we’re not against the short-form content.

But we need to just verify if that information is right for that individual.

Then that individual can make a decision to understand, like, hey, this person is saying this is great advice.

This person did this and did that.

Does that match with where you’re trying to go, or does that match with your current situation?

And give people the option to understand the advice that they’re receiving and then help them make that guided decision.

Yeah.

Well, I know we’re wrapping up here, but I want to go back to the front of the call when you turned that $5,000 into more dollar bills.

What was the strategy here?

How did you become one of the rare people who made that work?

Right.

So today, I don’t mind sharing my edge.

What did I do?

I went to school for business and psychology.

I did not study computer science, but I’m a very self-taught person.

I believe that if you put your mind to anything, you can learn.

So I actually built an algorithm.

And this algorithm, it wasn’t as powerful as our algorithms today and agentic AI.

But what it was able to do was find me pharmaceutical companies that were producing life-changing products, life-changing medicine.

And if they reached clinical trial three, 80% of those companies during the 2016, 2017 era, most of them were getting FDA approval.

And so my algorithm would find these companies that had this clinical trial three.

I would look at the medicine.

I was like, this medicine is great.

If they get FDA approval, the stock price is going to shoot up.

So it would find it in the morning, and then I would click a button and it would run it and invest in the top three.

Then once the FDA approval came out, it was usually like a month or two later, boom, it skyrocketed.

And out of the $103,000 I made in that eight months, two of those were big, big home-run hitters.

So most of it, I want to say about half of it, was not just me always hitting home runs.

I was hitting very short wins, and they were just stacking up.

But then I hit twice because I focused on a certain area, and that was pharmaceuticals.

So two big investments changed my account.

And I was investing with a group too.

So I always encourage, if you’re out there investing, you’re trying to learn, be a part of a group that is learning with you and that has some knowledge because it did speed things up for me.

And that was my edge.

I don’t know if people still use it today.

I don’t use it.

By now, I have about 10 strategies that I use for myself.

But the edge is out there.

That’s how I got into the finance industry.

I went to go work for Charles Schwab after that.

Got recruited by them because we were on online forums.

I verified all my profits.

Showed the world what I was doing because I was excited.

Remember, I was obsessed.

And I was like, this is crazy.

I didn’t know you could make money like this.

That was how I did it.

It wasn’t like, what’s happening, man?

I shot my dad a text message, and my two big wins were $35,000 and then $10,000 on one investment.

So my first $10,000 profit day, I texted my dad because I invested in this pharmaceutical on Friday, and then on Monday the stock price just shot up.

I saw the message.

It was like, “Hey, FDA approved.”

And I shot it to my dad and I said, “Dad, is this money real?”

And he’s like, “Yeah, it’s real. You have a brokerage account? You invested in it?”

He said, “Did you sell the shares?”

I said, “Yeah, I sold. This is crazy. I made $10,000 over the weekend.”

And he said, “Well, if you sold it, it’s real. But you’ve got to pay taxes on it.”

So don’t go crazy.

Well, Ronnie, for those who might want to work with you or learn more, how should they reach you?

Yeah.

So you can reach me by email.

It is Ronnie at AlgoPear.com.

Ronnie M. Green is my social tag, so you can find me on all social media platforms.

Don’t be a stranger.

You can email me directly.

I will respond.

So we can have conversations.

And if you’re a credit union, a community bank, regional bank that’s truly trying to impact people, man, we have a solution for you today.

We have a solution that’s really helping the next generation.

We’re already in market, so let’s have a talk.

Let’s see what we can do to help you engage the young adults who need you.

And final question.

What’s the image on your phone’s lock screen?

All right, let’s do it.

So I’m a big anime fan.

I don’t know if...

Oh, I got on Do Not Disturb.

Let me turn that off and I’m going to show it.

It is Goku, right?

All right.

So I’m an anime fan.

That’s Goku highlighted in neon.

Yeah.

Me and my co-founder Ben, we’re big anime fans.

And so we always, if you watch Dragon Ball Z, you know anything about anime, you know that they power up and they reach a new level.

But they only reach a new level after they went through trials and tribulations.

And so that just speaks to our story.

So we’re Ascended Saiyans, as we would say.

That’s my lock screen.

A little bit about myself.

Oh, I love hearing about that.

Ronnie, thanks so much for joining me today.

It’s been wonderful to have you on the show.

It’s a pleasure.

Thank you for having me on, Mary.

Okay.

Here’s one thing I learned.

Messy data needs to be taken care of first before getting into AI agents.

As Ronnie says, it’s meant to enhance.

It’s not meant to fix.

Up next in May, a conversation about gig workers at a time when gas is surging and the fintech implications of it all.

Catch you then.