I got hooked on finance when I was 13, day-trading my bar-mitzvah money during the dot-com and telecom boom. That curiosity never went away.

After my first startup, Flowtown, was acquired, I decided to spend my time helping people live wealthier lives: less stress, better financial decisions, more freedom.

That led to building Digit, an attempt at giving people the kind of financial guidance usually reserved for the wealthy. It worked — automated saving took off — we helped people save $9 billion; and sold Digit for over $230M. But the bigger vision wasn’t possible yet. The technology wasn’t there.

Then AI caught up.

Today I’m building Hiro, the product I’ve been dreaming of building for the last 15 years. It combines a rigorous financial-planning engine with an intelligent conversational layer, so anyone can create, customize, and understand a real financial plan — instantly, transparently, and on their terms.