We’ve both hit that point where money stopped feeling theoretical and started feeling consequential. The paychecks got bigger, equity started to mean something, and for the first time, financial decisions actually mattered.

Seth learned this the hard way when his startup went public. Overnight, he had real wealth for the first time — and no idea how to manage it. Between missed 83(b) elections, tax missteps, and a total lack of guidance, he realized how little financial education most of us actually have, even when the stakes are high. Kara’s path was different but familiar. She did all the “right” things: maxed her 401(k), used a roboadvisor, held ETFs… but without much conviction or clarity. It was autopilot, not strategy. The questions she wanted to ask felt too small or too basic for her financial advisor, but too important to ignore.

We started talking about how many people live in this middle zone. Making healthy money, but not necessarily making it work. Comfortable, but not confident. Capable, but uninformed.

That’s who we’re building for: people like us, who are earning well but getting less yield [financially and mentally] than they should.

We’ve started calling this group REMYs: Rising Earners with Minimal Yield.