Podcasts about Revolut

Europe's startup ecosystem is maturing rapidly, with companies like Revolut, Lovable, and Legora demonstrating that world-class technology businesses can be built and scaled on the continent. While the US remains the dominant force in venture-backed software as home to the largest markets, the deepest capital pools, and the most ambitious exit culture, a growing number The post The European Startup Scene appeared first on Software Engineering Daily.

VLOG May 26 Unsealing project: Suno AI in Boston, Inner City Press filing docketed: https://storage.courtlistener.com/recap/gov.uscourts.mad.272063/gov.uscourts.mad.272063.233.0.pdf Sikkema guilty, book: https://books.google.com/books?id=hsDbEQAAQBAJ Revolut bank challenged by @FinanceWatchOrg https://www.patreon.com/posts/bank-beat-for-in-158964926 UN

Europe’s startup ecosystem is maturing rapidly, with companies like Revolut, Lovable, and Legora demonstrating that world-class technology businesses can be built and scaled on the continent. While the US remains the dominant force in venture-backed software as home to the largest markets, the deepest capital pools, and the most ambitious exit culture, a growing number The post The European Startup Scene appeared first on Software Engineering Daily.

VLOG May 22 Brazil murder trial closings, US v Sikkema https://matthewrussellleeicp.substack.com/p/art-world-hit-trial-for-murder-of-661 Live Nation, states mull Ticketmaster break-up, PA FOIA filings due. Tennis union fight; @FinanceWatchOrg v Enova-Grasshopper, Revolut coming. Volker Turk's $400 a day DSA on SG junket

Kaj vse lahko vpliva na trg? Največji izziv je regulacija. Ali je strategija postopnih nakupov smiselna tudi, ko govorimo o investiranju v bitcoin? Do kam se lahko povzpne cena? Preverili smo tudi dogajanje okrog stabilnih kovancev, saj v ZDA bančni lobiji poskušajo preprečiti visoke obresti na stabilne kovance. Pred mikrofonom: Toni Čepon, predsednik Bitcoin društva Slovenije Naroči se na YouTube in nas spremljaj v živo https://www.youtube.com/marjamilic Pridruži se pobudi Nula ni dovolj! Preveri na www.money-how.si/nula-ni-dovolj ______________________ Denis Avdić & Marja Milič predstavljata Psihologija denarja z avtorjem uspešnice Morganom Houslom 19.oktober 2026 I Hala Tivoli Podrobneje o dogodku https://psihologija-denarja.si/ ______________________ Spletna delavnica INR: kako izbrati račun, naložbe in strategije https://money-how.si/izobrazevanja/spletna-delavnica-o-inr-kako-izbrati-racun-nalozbe-in-strategije/ ___________________ Bootcamp za začetnike Termini: 21.maj 2026 med 17:00 - 20.00 (v živo on-line) Info: https://money-how.si/dogodki/ ______________________ PONATIS KNJIGE: Mami, oči, ali smo mi bogati? Od žepnine do investiranja. Vodnik za starše, ki želijo razumeti upravljanje denarja in to znanje samozavestno prenesti na otroke. Tiskana knjiga https://money-how.si/knjiga/mami-oci-ali-smo-mi-bogati/ ____________________________ Money-How Premium: https://money-how.si/narocnine/ vključuje: - Modri AI - Finančni asistent, ki pomaga pri raznih finančnih dilemah https://money-how.si/modri-ai/ - Taxistent - Davčni asistent, ki pomaga pri oddaji davčne napovedi https://money-how.si/taxistent/ (deluje za IBKR; Revolut, Trade Republic... in kombinacijo vseh) - poglobljene članke -- vsa INR orodja (primerjalnik, iskalnik, strategije) ____________________________ Finančna delavnica je lahko čudovito darilo. Več preveri https://money-how.si/izobrazevanja ______________________ (delavnica) Investiranje v delnice: Kaj moram vedeti, ko se odločam za investiranje v delnice Prijava: https://money-how.si/izobrazevanja _____________________ (delavnica) Investiranje za začetnike. Praktično o osnovah investiranja. Prijava: https://money-how.si/izobrazevanja _________________________________ DISCORD skupnost: V finančnih zagatah nismo sami, pridružite se nam na Discord Money-How / discord ______________________________ Več o Money-How na https://money-how.si/

Revolut hat knapp 70 Millionen Kunden, macht 6 Milliarden Dollar Umsatz und ist mit 75 Milliarden Dollar bewertet. Und der Mann, der für das Wachstum verantwortlich ist, findet diese Zahlen „ziemlich klein". Antoine Le Nel, Chief Growth and Marketing Officer bei Revolut, erklärt im Gespräch mit Christoph Fröhlich, warum 100 Millionen Kunden bis 2027 kein überhebliches Ziel sind – und was traditionelle Banken gerade verlieren, ohne es zu bemerken. Außerdem: Warum Candy Crush eine bessere Schule war als jede Bankkarriere, wie das DE-IBAN die deutschen Nutzerzahlen verdoppelt hat und was die Formel 1 mit Wachstumsstrategie zu tun hat.

Open een REVOLUT BUSINESS account (voor bedrijven die geregistreerd zijn of zullen worden) via deze link en ontvang €80

SpaceX ska börsnoteras med ett upplägg som ger Elon Musk total kontroll. Är det ett problem – eller är det just starka "owner operators" som börsen behöver? Vi träffar Petter Hedborg och pratar om hur bolagsstyrning, regleringar och passivt kapital omformar spelplanen för investerare och ägare. Dessutom hör vi hur Petter tänker om sina egna investeringar. I veckans avsnitt medverkar: Jacob Bursell, programledare Petter Hjerstedt, tidigare CFO på Tethys Oil Viktor Fritzén, styrelseproffs och investerare. Petter Hedborg, medgrundare av Modular Finance (MF Group) TIDSSTÄMPLAR 00:00:00 Introduktion – Petter Hedborg och Modular Finance. 00:02:00 SpaceX IPO – vad Elon Musks upplägg säger om börsen och bolagsstyrning. 00:06:00 Intelligent Fanatics – varför owner operators slår professionella vd:ar. 00:08:00 Viktor om Leo Vegas-noteringen – reglerena som hällde sand i maskineriet. 00:10:00 MAR, loggbok och kryssrute-samhället – reglering vs ansvar. 00:14:00 MTF vs börs och varför Finansinspektionen borde bli mer praxisstyrd. 00:18:00 Vd-skapets förklaringsvärde – hur man verkligen bedömer ett bolags ledning. 00:22:00 Passivt kapital och ISS-problemet – när Blackrock röstar via checklista. 00:26:00 Vad är en "fin ägarlista"? – grundarägande, kött och blod, och fonder som skapar likviditet. 00:32:00 Zombiebolag på Stockholmsbörsen – Sverige har sex gånger fler börsbolag per invånare än USA. 00:36:00 Börsen som demokratisk plats – varför public equity slår private equity för vanliga sparare. 00:40:00 Petter Hedborgs personliga portfölj – koncentrerad, fyra till sex bolag, och varför. 00:48:00 Modular Finance och Sprint – hur en extern ägare med 40% förändrar dynamiken. 00:58:00 Totalt 2 miljoner kronor i externt kapital – och varför mer pengar inte hade hjälpt. 01:04:00 VC-modellens offer – duktiga grundare som bränns av felaktiga incitament. 01:06:00 Revolut som förebild – trycka på snabbare OCH vara snålare. 01:10:00 Alternativet till VC-kapital - koka soppa långsamt. 01:14:00 Börsfönstret – varför bra bolag ska kunna notera sig när som helst. 01:16:00 Ankarinvesterare för småbolag – Lundin-familjen som mall

A közelmúlt legfontosabb külpolitikai eseményét, Donald Trump és Hszi Csin-ping pekingi csúcstalálkozóját elemeztük. Az amerikai és kínai médiában megjelent értelmezésekről Kusai Sándorral, Magyarország volt Pekingi nagykövetével, a Pázmány Péter Katolikus Egyetem Docensével beszélgettünk. A műsor második részében arról volt szó, hogy hamarosan megtörténik a magyar ügyfelek áthelyezése a Revolut magyarországi fióktelepéhez. A fintech cég magyarországi terveiről Turzó Ádámot, a Portfolio Pénzügy rovatának elemzőjét kérdeztük. Főbb részek: Intro – (00:00) Trump Kínában – (01:27) Revolut – (17:13) Makronaptár – (29:22) Kép forrása: Evan Vucci - Pool/Getty ImagesSee omnystudio.com/listener for privacy information.

Marc Rubinstein joins Excess Returns to explain what private credit, bank earnings, insurance balance sheets, fintech growth, and arbitrage firms reveal about the modern financial system. The conversation covers why private credit risks may not be systemic in the traditional banking-crisis sense, but still matter for investors because of redemption gates, hidden leverage, opaque structures, incentive conflicts, and correlations that can spike when markets are under stress.Marc Rubinstein on Xhttps://x.com/MarcRubyNet Interesthttps://www.netinterest.co/In this episode, we discuss:Why the Fed says private credit redemption risks are limited and manageableWhat Blue Owl's redemption gates reveal about private credit liquidityHow post-2008 bank regulation pushed risk into private credit, hedge funds, trading firms, and exchangesWhy banks and private credit firms are both competitors and collaboratorsThe “layer cake” of leverage connecting banks, private credit, and borrowersHow HSBC's loss tied to Atlas and MFS highlights hidden credit risksWhy insurance companies have become increasingly tied to private creditWhy rapid growth can be dangerous in financial businessesWhat bank earnings show about the gap between weak consumer confidence and resilient spendingWhy post-mortem reports from SVB, Credit Suisse, and other failures reveal what investors could not see in real timeHow Revolut became one of the most interesting fintech stories in global bankingWhy Marc calls this a potential golden age of arbitrageWhat Jane Street, public BDC discounts, private asset valuations, and geopolitical fragmentation tell us about market structureWhy investors may still be too anchored to the 2008 banking playbookWhere Marc sees risk and opportunity in financials, banks, Europe, and non-bank financial institutionsTimestamps:00:00 Private credit, hidden risks, and correlation spikes05:03 Why Blue Owl became a private credit warning sign10:20 How private credit grew after the 2008 financial crisis15:30 Banks and private credit as financial “frenemies”19:44 HSBC, Atlas, MFS, and the layer cake of leverage24:11 Apollo, Athene, insurance assets, and private credit incentives29:20 Why higher rates have not broken more of the financial system33:40 Bank earnings, consumer confidence, and resilient spending37:20 Why “I don't know” can be a powerful signal from bank CEOs41:46 Revolut and the ambition to build a truly global bank47:38 Why growth can be dangerous in finance52:19 Private assets, public BDC discounts, and arbitrage opportunities56:34 What investors misunderstand about banks today59:31 How Marc would think about financials as a long-short investor

Zakaj Slovenci kopičimo denar na bankah? Ali imajo zaradi tega banke rekordne dobičke? Zakaj imajo slovenske banke eno najvišjih neto obrestnih marž v evrskem območju in kaj to pomeni za varčevalce? Kaj bi se zgodilo, če bi prenesli 10 ali 20 odstotkov svojih prihrankov v ETF-je, obveznice, na neobanke in druge bolj produktivne naložbe? Bi se zaradi tega res lahko podražila posojila? V pogovoru tudi o tem, zakaj Slovenci ostajamo med najbolj konservativnimi varčevalci v Evropi, kako Banka Slovenije gleda na neobanke, kaj prinaša digitalni evro in zakaj centralne banke vse bolj kopičijo zlato. Kako Banka Slovenije upravlja svoje rezerve in ali del sredstev investira tudi v ETF-je. Pred mikrofonom: guverner Banke Slovenije dr. Primož Dolenc Naroči se na YouTube in nas spremljaj v živo. Pridruži se pobudi Nula ni dovolj! Preveri na www.money-how.si/nula-ni-dovolj ______________________ Denis Avdić & Marja Milič predstavljata Psihologija denarja z avtorjem uspešnice Morganom Houslom 19.oktober 2026 I Hala Tivoli Podrobneje o dogodku https://psihologija-denarja.si/ ______________________ Spletna delavnica INR: kako izbrati račun, naložbe in strategije https://money-how.si/izobrazevanja/spletna-delavnica-o-inr-kako-izbrati-racun-nalozbe-in-strategije/ ___________________ Bootcamp za začetnike Termini: 21.maj 2026 med 17:00 - 20.00 (v živo on-line) Info: https://money-how.si/dogodki/ ______________________ PONATIS KNJIGE: Mami, oči, ali smo mi bogati? Od žepnine do investiranja. Vodnik za starše, ki želijo razumeti upravljanje denarja in to znanje samozavestno prenesti na otroke. Tiskana knjiga https://money-how.si/knjiga/mami-oci-ali-smo-mi-bogati/ E-knjiga + bootcamp https://money-how.si/knjiga/mami-oci-ali-smo-mi-bogati-2/ ____________________________ Money-How Premium: https://money-how.si/narocnine/ vključuje: - Modri AI - Finančni asistent, ki pomaga pri raznih finančnih dilemah https://money-how.si/modri-ai/ - Taxistent - Davčni asistent, ki pomaga pri oddaji davčne napovedi https://money-how.si/taxistent/ (deluje za IBKR; Revolut, Trade Republic... in kombinacijo vseh) - poglobljene članke -- vsa INR orodja (primerjalnik, iskalnik, strategije) ____________________________ Finančna delavnica je lahko čudovito darilo. Več preveri https://money-how.si/izobrazevanja ______________________ (delavnica) Investiranje v delnice: Kaj moram vedeti, ko se odločam za investiranje v delnice Prijava: https://money-how.si/izobrazevanja _____________________ (delavnica) Investiranje za začetnike. Praktično o osnovah investiranja. Prijava: https://money-how.si/izobrazevanja _________________________________ DISCORD skupnost: V finančnih zagatah nismo sami, pridružite se nam na Discord Money-How / discord ______________________________ Več o Money-How na https://money-how.si/

Poplatky v bankách neustále rastú, no na trhu stále existujú účty, za ktoré nezaplatíte ani cent. A to bez nutnosti spĺňať prísne podmienky, ako je minimálny obrat, aktívne využívanie úverových produktov či desiatky platieb kartou.Fio banka, ČSOB, mBank či 365.bank lákajú klientov na bezplatné základné balíky. Každá z nich však volí iný prístup – od postupného spoplatnenia fyzických platobných kariet až po poplatky za výbery z bankomatov. Zaujímavou alternatívou sú aj plne digitálne banky ako Revolut či N26, ktoré mnohí Slováci využívajú ako sekundárne účty, no pre absenciu niektorých produktov u nás zatiaľ nahrádzajú hlavný účet len ťažko.Vďaka okamžitým platbám už navyše vôbec nemusíte riešiť, v akej inštitúcii majú účet vaši známi či rodina. O tom, ako si vybrať ten správny bezplatný účet a ako banky zarábajú na klientoch, ktorí im neplatia mesačné poplatky, sa v podcaste SHARE rozpráva Maroš Žofčin s redaktorom Živé.sk Filipom Maxom.Pripravte sa na budúcnosť s knihou od redaktorov Živé.sk „Umelá inteligencia: Pripravte sa na budúcnosť“. Teraz ju máme v elektronickej verzii. Nájdete ju na obchod.aktuality.sk.TIP: https://zive.aktuality.sk/clanok/0RfdZVW/nahliadnite-do-buducnosti-vydavame-knihu-o-umelej-inteligencii/V podcaste hovoríme aj o týchto témach:Ktoré štyri banky na Slovensku ponúkajú bežný účet úplne zadarmo.Kde si priplatíte za vydanie fyzickej platobnej karty.Kto si účtuje poplatky za výbery z bankomatu.Z čoho inštitúcie žijú, ak im klienti neplatia žiadne paušálne poplatky za vedenie účtu.Prečo sú služby ako Revolut a N26 ideálne na cestovanie, no ako hlavným účtom im stále niečo chýba.Prečo sa musíme pripraviť na to, že vydanie klasickej fyzickej karty bude čoskoro spoplatnené takmer všade.Či môžete získať bezplatný účet ako retenčnú ponuku, keď banke pohrozíte odchodom ku konkurencii.Podcast SHARE pripravuje magazín Živé.sk.

De Brits-Litouwse onlinebank Revolut werd 10 jaar geleden opgericht om de bankwereld op zijn kop te zetten. Ondertussen hebben ze wereldwijd 70 miljoen klanten, waarvan 1 miljoen in België, en een waardering van 64 miljard euro. Daarmee is Revolut het waardevolste private bedrijf van Europa. De ambitie is om overal ter wereld de grootste bank te worden. Maar hoe realistisch is dat? Op welke manier verdient Revolut geld? En zijn de grootbanken bang voor zulke nieuwe spelers? In deze extra aflevering van 'De 7' praat host Lara Droessaert met journalist Pieter Verlee en met Antoine Le Nel, Hoofd Groei & Marketing bij Revolut.See omnystudio.com/listener for privacy information.

In a world where performance can make or break a company, creating a high-performance culture is essential. In this post, we dive into a conversation with Andrei Oprisor, the head of the people product department at Revolut, to explore how their internal human resource management system, Revolut People, emphasizes performance and meritocracy. We uncover the key components that drive this approach and how you can implement similar strategies in your organization. Our Guest: Andrei Oprisor Engineer turned product leader, Andrei Oprisor is the creator of Revolut People, the performance management platform that helped scale Revolut to 12,000+ employees across 60+ countries. Originally from Bucharest, Andrei joined Revolut during its early hyper-growth phase as one of the company's first data engineers. Within months, he was working directly with Revolut's founder, Nik Storonsky, to tackle a challenge no off-the-shelf software could solve: how to build and scale a high-performance culture, with systems designed around quality, not bureaucracy. What started as an internal tool quickly evolved into Revolut People: a full-stack platform covering goal setting, performance cycles, engagement, compensation, core HR, and recruitment. After five years of internal development and hundreds of thousands performance reviews processed, Andrei now leads the global go-to-market of the product to hundreds of scale-ups building exceptional teams. References: Andrei Oprisor LinkedIn profile https://www.revolut.com/people/   Listen to the next Episode All Podcast Episodes

Paulo Passoni, Managing Partner at Valor Capital, and Olga Maslikhova break down the two forces reshaping tech and capital markets right now — the end of 40 years of global integration as the US-China tech split hardens, and the collapse of the services moat as AI lets companies scale from $0 to $100M in revenue in 24 months by replacing labor. This is the May 2026 edition of TJC Debrief — a monthly show covering tech, venture, and capital markets through a global lens.We cover why China blocked Meta's $2 billion Manus acquisition and what the new US-led versus China-led ecosystem split means for global M&A, how SoftBank's blocked Arm-NVIDIA sale cost half a trillion dollars in value creation and why deals like it will keep happening, Anthropic's $50B round closing in 48 hours with secondary markets pricing ahead of the primary and what it reveals about AI's escape velocity, why Anthropic and OpenAI are forming joint ventures with Blackstone, TPG, Apollo, Sequoia, General Atlantic, and GIC to lock in compute capacity and guaranteed revenue, Plata's $5B round and why Qatar Investment Authority, US endowments, and long-only funds piled in alongside Valor Capital — and what mispriced Russian and Eastern European talent has to do with it, why data is becoming the last real moat and how Nubank, Revolut, CloudWalk, Mercado Libre, and JPMorgan are racing to train proprietary models on their own customer data, the radiologist paradox and what it predicts for tax accountants, lawyers, and every services job AI is supposed to kill, the legal AI startup Enter and the wild story of prompt injections hidden in PDFs filed to courts, why humanoid robots at $600/month today and $100/month in ten years will reshape global labor markets, Elon Musk and SpaceX as the "build potential, then monetize" playbook, and the $0 to $100M in 24 months phenomenon — why early movers in vertical AI are already hitting this scale and where the next opportunities will emerge across legal, wealth management, healthcare, and security.Subscribe to The J Curve Insider newsletter for deeper insights and follow Olga on LinkedIn and Instagram.

Never say never again. Saylor backs downFEATURING:Daniel Cawrey (https://x.com/danielcawrey)Thomas Hunt (https://www.twitter.com/madbitcoins)THIS  WEEK:Billionaire Michael Saylor said he would never sell bitcoin. After 3 straight quarterly losses, he's changing his mindhttps://finance.yahoo.com/markets/crypto/articles/billionaire-michael-saylor-said-never-170500436.htmlSource: YahooMichael Saylor Backtracks From Sell a Kidney Stance to Selling Bitcoinhttps://finance.yahoo.com/markets/crypto/articles/michael-saylor-backtracks-sell-kidney-124329613.htmlSource: YahooBitcoin's Biggest Buyer Just Said He Might Sell It. Should You?https://finance.yahoo.com/markets/crypto/articles/bitcoins-biggest-buyer-just-said-105000495.htmlSource: YahooTreasury Secretary Scott Bessent Says the US Is Targeting Iran's Access to Cryptohttps://cryptopotato.com/treasury-secretary-scott-bessent-says-the-us-is-targeting-irans-access-to-crypto/Source: Crypto PotatoWestern Union Launches USDPT Stablecoin on Solana via Anchorage Digitalhttps://decrypt.co/366677/western-union-usdpt-stablecoin-solana-anchorage-digital?amp=1Source: DecryptSamourai Wallet Founder Writes From Prison Asking Bitcoin Community For Help — Family Is Out Of Optionshttps://www.tradingview.com/news/newsbtc:14950b26e094b:0-samourai-wallet-founder-writes-from-prison-asking-bitcoin-community-for-help-family-is-out-of-options/Source: Trading ViewBitcoin Price Crashes Near Zero on Revolut, Blamed on Third-Party Service Disruptionhttps://decrypt.co/367258/bitcoin-price-crashes-near-zero-revolut-third-party-disruption?amp=1Source: DecryptBitcoin Price Surge Incoming? Tom Lee Says 'Crypto Spring' Is Here Amid 2027 'Biggest Rally Ever' Predictionhttps://finance.yahoo.com/markets/crypto/articles/bitcoin-price-surge-incoming-tom-143215537.htmlSource: YahooCampaigners drop bid to make Swiss National Bank hold bitcoinhttps://www.reuters.com/sustainability/boards-policy-regulation/campaigners-drop-bid-make-swiss-national-bank-hold-bitcoin-2026-05-08/Source: ReutersSan Antonio to post warnings at Bitcoin ATMs after rise in cryptocurrency scamshttps://sanantonioreport.org/san-antonio-to-post-warnings-at-bitcoin-atms-after-rise-in-cryptocurrency-scams/Source: San Antonio ReportCaller posing as cop told a Connecticut woman she had a warrant for her arrest — it cost her $14,000https://www.ctinsider.com/news/article/connecticut-bitcoin-scam-fake-police-call-14k-22240438.phpSource: CT InsiderGeorgia inmate accused of targeting Lindale woman in $13k bitcoin scamhttps://www.kltv.com/2026/05/07/georgia-inmate-accused-targeting-lindale-woman-13k-bitcoin-scam/Source: KL TV__________________________________________________________________________________World Crypto Network https://www.worldcryptonetwork.com/On This Day in World Crypto Network Historyhttps://www.worldcryptonetwork.com/onthisday/---------------------------------------------------------------------------Please Subscribe to our Youtube Channelhttps://m.youtube.com/channel/UCR9gdpWisRwnk_k23GsHf

For online fraudsters to be successful they need a web of bank accounts to first receive the money they steal and then to channel it, often out of the country.Some people, often students, willingly let their bank accounts be used in exchange for a small sum of money. For others though, they have no choice, like the victim of sextortion before the courts this month who was blackmailed into letting his Revolut account be used by a crime gang.Drug gangs still use bricks-and-mortar operations to launder money; businesses that are often cash based, from barbers to nail bars. But the volume of cash generated particularly by online fraud needs a more sophisticated banking-based solution.Ten years ago An Garda Síochána was uncovering just 50 cases of money laundering a year in Ireland, in 2025 it was nearly 2,800. So why the huge increase and does the Garda have the resources to deal with this growing category of crime?Irish Times crime and security editor Conor Lally explains why money laundering is now big business in Ireland.Presented by Bernice Harrison. Produced by John Casey and Suzanne Brennan. Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Grow A Small Business Podcast, host Troy Trewin interviews Gulliver Moore shares how he scaled Sunday Treat alongside his co-founder Oliver Clubb from a freelance director/DP partnership into a £2M creative agency serving global brands like Google, Disney, and Revolut. In this episode, Gulliver reveals how consistent 20% year-over-year growth, smart hiring, strong company culture, and high-performing video marketing helped the agency expand to a 14-person team with clients across the US and Europe. He also explains how Sunday Treat is adapting to AI, building viral content strategies, and maintaining creativity while scaling fast. Gulliver shares honest lessons about leadership, delegation, difficult management decisions, and why founders should never delegate hiring. The conversation is packed with insights on business growth, branding, team building, and creating a sustainable agency in today's competitive digital landscape.  Why would you wait any longer to start living the lifestyle you signed up for? Balance your health, wealth, relationships and business growth. And focus your time and energy and make the most of this year. Let's get into it by clicking here. Troy delves into our guest's startup journey, their perception of success, industry reconsideration, and the pivotal stress point during business expansion. They discuss the joys of small business growth, vital entrepreneurial habits, and strategies for team building, encompassing wins, blunders, and invaluable advice. And a snapshot of the final five Grow A Small Business Questions:  What do you think is the hardest thing in growing a small business? Gulliver Moore shared that the hardest part of growing a business is consistently delivering on big promises while maintaining quality and trust with clients. What's your favorite business book that has helped you the most? Gulliver Moore said his favorite business book is Radical Candor because it deeply influenced how he manages people, gives feedback, and builds an honest company culture. He also highly recommended The Making of a Manager for its practical advice on leadership and team management. Are there any great podcasts or online learning resources you'd recommend to help grow a small business? Gulliver Moore recommended podcasts like Hard Fork, The Vergecast, and Today in Focus to stay updated on technology, AI, and current events. He also emphasized learning through experimentation, especially with AI tools, social media content creation, and hands-on business experience rather than relying heavily on formal coaching or consultants. During the conversation, host Troy Trewin additionally recommended Marketing School, Uncensored CMO, and Everyday AI for marketing and business growth insights. What tool or resource would you recommend to grow a small business? Gulliver Moore recommended using Claude AI for brainstorming, strategy, copywriting, and improving workflows with AI. He also highlighted Monday.com as a powerful CRM and project management system for organizing teams and client work, while Figma was his preferred platform for creating visually engaging presentations and creative assets. He emphasized that combining strong systems, consistency, and AI tools can significantly improve productivity and business growth. What advice would you give yourself on day one of starting out in business? Gulliver Moore said he would tell himself to trust the process, stay patient, and focus on consistently hiring great people. He emphasized that long-term success comes from building a strong team culture, trusting your instincts during hiring, and sticking with the journey even when growth feels slow or uncertain. Book a 20-minute Growth Chat with Troy Trewin to see if you qualify for our upcoming course. Don't miss out on this opportunity to take your small business to new heights! Enjoyed the podcast? Please leave a review on iTunes or your preferred platform. Your feedback helps more small business owners discover our podcast and embark on their business growth journey.     Quotable quotes from our special Grow A Small Business podcast guest: Hiring the right people is the most important investment you can make in your business — Gulliver Moore You don't need to control everything — great teams do amazing work when you trust them — Gulliver Moore Consistency in your process will eventually create the growth you're looking for — Gulliver Moore       

The Ultimate Guide for Americans Moving to Spain: Visas, Taxes, and Cross-Border Financial Planning By AIO Financial — Fee-Only Fiduciary Financial Planners Spain has quietly become one of the most popular destinations for Americans relocating abroad. The lifestyle is compelling — long lunches, walkable cities, world-class healthcare, sunshine, and a cost of living that, in many regions, runs 20–30% below comparable U.S. cities. But behind that lifestyle is a tax and regulatory system that can blindside Americans who move without proper planning. We work with U.S. expats every week at AIO Financial, and the same patterns keep showing up. People sell investments at exactly the wrong moment. They convert Roth IRAs and trigger Spanish tax bills they didn’t know existed. They open European brokerage accounts and accidentally buy PFICs. They miss the six-month window for the Beckham Law and lose six figures of potential tax savings. None of this is necessary. Almost every cross-border financial mistake we see is preventable with planning that starts twelve to eighteen months before the move — not after the boxes are unpacked in Valencia. This guide walks through what we believe every American family should understand before moving to Spain: the visa landscape after the Golden Visa was eliminated, how Spain actually taxes Americans (including the surprising treatment of Roth IRAs), what to do with your investments before you become a Spanish tax resident, and how to think about banking, currency, and cash transfers across borders. None of this is legal or tax advice for your specific situation, but it should give you a real working framework before you sit down with a cross-border specialist. Why Americans Are Moving to Spain Right Now The reasons people give us are remarkably consistent. They want better work-life balance. They want their kids to grow up bilingual. They’ve watched U.S. healthcare costs spiral and want a system that just works. They’re approaching retirement and the math on living in coastal Spain versus coastal Florida is hard to argue with. A few are motivated by political concerns; many simply want to live somewhere that feels less hurried. What makes Spain particularly attractive compared to other European destinations is the combination of a well-functioning Digital Nomad Visa, a meaningful (if imperfect) tax treaty with the United States, and a cost-of-living advantage that still holds up despite recent inflation. A single person can live comfortably in mid-sized Spanish cities like Valencia, Granada, or Málaga on roughly €1,600–€1,900 per month. Madrid and Barcelona cost more, but still less than San Francisco, Boston, or Seattle. The catch — and this is the part most relocation guides skip — is that Spain has a wealth tax, taxes worldwide income for residents, does not respect the U.S. tax-free status of Roth IRAs, and uses a fiscal-year structure that can leave new arrivals exposed to a full calendar year of Spanish taxation if they cross the 183-day threshold without realizing it. Done well, moving to Spain can be one of the best financial and lifestyle decisions a family makes. Done poorly, it can be a multi-year tax mess. Visa Pathways: What’s Available in 2026 Before any tax planning matters, you need legal residency. Spain offers several pathways for non-EU citizens, and the right one depends on whether you’re working, retired, or have substantial passive income. The Digital Nomad Visa (DNV) The Digital Nomad Visa, introduced under Spain’s 2023 Startup Act, has become the most popular route for working-age Americans. It allows non-EU remote workers — both employees of foreign companies and self-employed freelancers — to live legally in Spain while working for non-Spanish employers or clients. As of 2026, the income threshold is set at 200% of Spain’s Minimum Interprofessional Salary, which works out to approximately €2,850 per month, or roughly €34,200 per year. Most Spanish consulates recommend showing at least €3,000 monthly to account for currency fluctuations. If you’re applying with family, the income requirement increases. You’ll need to demonstrate an additional 75% of the SMI (about €1,035 per month) for your first dependent — typically a spouse — and 25% for each additional family member. A family of four moving together generally needs to show somewhere around €4,400 per month in qualifying income. The DNV initially issues a residence authorization valid for up to three years if applied for from within Spain, or a one-year visa if applied for through a Spanish consulate abroad. It can be renewed for additional periods, allowing total stays of up to five years, after which permanent residency becomes available. Citizenship is generally available after ten years of legal residency for U.S. nationals (two years for citizens of Latin American countries, the Philippines, Andorra, and a handful of others). Other key requirements include having worked with your current employer or clients for at least three months before applying, holding either a relevant university degree or three years of professional experience in your field, working for a company that has been in operation for at least one year, and earning no more than 20% of your income from Spanish sources. The application process typically takes four to five months. One important wrinkle for Americans: the U.S.–Spain Totalization Agreement does not currently cover remote work in the way that some other bilateral agreements do, so the U.S. Social Security Administration rarely issues Certificates of Coverage for DNV applicants. Most U.S. W-2 employees need to either get their employer to set up a Spanish “shadow payroll” arrangement, switch to 1099 contractor status and register as an autónomo (self-employed) in Spain, or accept that they’ll be paying into the Spanish social security system. This is a frequent friction point and is best resolved before the move, not after. The Non-Lucrative Visa (NLV) The Non-Lucrative Visa is the traditional retiree route — and increasingly used by Americans of any age with sufficient passive income. It explicitly does not permit working in Spain or remotely for any employer, which is its main limitation. As of 2026, applicants need to show approximately €2,400 per month (around €28,800 per year) in passive income or savings, with additional financial requirements for dependents. For genuinely retired Americans drawing Social Security, pension income, or living off investment portfolios, this is often the cleanest path. It comes with one substantial caveat that we’ll return to in the tax section: NLV holders are not eligible for the Beckham Law, so they pay full progressive Spanish tax rates on worldwide income from day one. The Golden Visa Is Gone If you’ve been planning around Spain’s Golden Visa — the residency-by-investment program that previously offered residency in exchange for a €500,000 real estate investment — that program ended in April 2025 as part of housing market reforms. New applications are no longer accepted. Existing Golden Visa holders retain their residency, but anyone considering this route now needs to look at alternative visas, or alternative countries (Portugal and Greece still operate similar programs, though Portugal’s no longer accepts real estate). The Highly Qualified Professional Visa For Americans being recruited by Spanish companies for skilled positions, the Highly Qualified Professional (HQP) Visa provides a path tied to a specific job offer. It’s typically valid for two years and renewable, and it qualifies the holder for the Beckham Law tax regime. This is less common for traditional relocation but matters for executives and engineers being hired into Spanish operations. Choosing Among Them In practice, most Americans we work with end up on either the DNV (if working remotely) or the NLV (if retired or financially independent). The choice has significant tax implications down the line, particularly around eligibility for the Beckham Law, which we’ll cover next. The Spanish Tax System: What Americans Actually Pay This is where most pre-move planning gets serious. Spain taxes its tax residents on worldwide income — meaning your U.S. dividends, your rental income from a property in Texas, your capital gains from selling Apple stock, all of it can be subject to Spanish tax. The U.S.–Spain tax treaty and the Foreign Tax Credit prevent most cases of literal double taxation, but the interaction between the two systems creates real planning challenges. When You Become a Tax Resident Spain considers you a tax resident if any one of three things is true: you spend more than 183 days in Spain during a calendar year, your “center of economic interests” is in Spain (meaning your primary income or main assets are there), or your spouse and minor children habitually live in Spain (a rebuttable presumption). The 183-day rule is the most common trigger, and importantly, sporadic absences count toward the total unless you can prove tax residency in another country. This matters because Spanish tax residency is binary and applies to the full calendar year. If you arrive in Spain on July 1 and stay through year-end, you’ve spent 184 days there and you’re a tax resident for the entire year — including January through June, when you were still living in the U.S. Smart timing of the move can save substantial tax. We often recommend arriving after July 2 in a given year, which keeps you under the 183-day threshold for that year and pushes Spanish tax residency to year two. Income Tax Brackets Spanish income tax (IRPF) is progressive and combines a national portion with a regional portion that varies by autonomous community. For 2026, the combined general rates run roughly: Up to €12,450: about 19% €12,451 to €20,200: about 24% €20,201 to €35,200: about 30% €35,201 to €60,000: about 37% €60,001 to €300,000: about 45% Over €300,000: about 47% Investment income — dividends, interest, capital gains, and rental income from investments — is taxed on a separate “savings” schedule: Up to €6,000: 19% €6,001 to €50,000: 21% €50,001 to €200,000: 23% €200,001 to €300,000: 27% Over €300,000: 30% For most American expats earning between €40,000 and €80,000 per year, the effective Spanish tax rate is about 25–33%, which is comparable to or slightly lower than combined U.S. federal and state taxes for the same income. The pain points aren’t usually the standard rates — they’re the wealth tax, the lack of Roth recognition, and Modelo 720 reporting. The Beckham Law: A Major Opportunity Spain’s “Beckham Law” — named for the soccer player who was its early high-profile beneficiary — allows qualifying newcomers to be taxed as non-residents for up to six years, despite physically living in Spain. Under this regime, you pay a flat 24% on Spanish-source employment income up to €600,000 per year (47% on amounts above that), and your foreign income is generally exempt from Spanish taxation. For an American earning €100,000 per year on a Digital Nomad Visa with an employment contract, the Beckham Law saves roughly €10,000 annually compared to standard progressive rates — and the savings grow rapidly at higher income levels. For someone earning €250,000, the savings can exceed €40,000 per year. The Beckham Law has strict requirements. You generally must not have been a Spanish tax resident in the previous five years, you must move to Spain because of an employment contract or to take on a directorship, and — critically — you must elect into the regime within six months of registering with Spanish Social Security. Miss that six-month window and you cannot opt in later. We’ve seen this mistake destroy tens of thousands of euros of potential tax savings. The regime is available to W-2 employees and DNV holders with employment contracts. It is not available to self-employed autónomos in most circumstances, nor to Non-Lucrative Visa holders. This is why your visa choice has such significant tax implications. The Wealth Tax This is the tax that most surprises Americans. Spain’s wealth tax (Impuesto sobre el Patrimonio) is an annual levy on net worth as of December 31 each year. Spanish tax residents pay on their worldwide assets; non-residents only pay on Spanish-located assets. The structure includes a national tax-free allowance of €700,000 per person (which means €1.4 million for a married couple holding assets jointly), plus an additional €300,000 exemption for your primary residence in Spain. Above those thresholds, rates run progressively from 0.2% to 3.5%, depending on total assets and the autonomous community where you reside. Regional variation matters enormously here. Madrid and Andalucía effectively eliminate the wealth tax through 100% regional bonifications, though the national-level Solidarity Tax on Large Fortunes still applies above €3 million in those regions. Catalonia, by contrast, applies the tax in full. If wealth tax exposure is a serious concern for your situation, the autonomous community you choose to live in becomes a meaningful planning variable. There’s also a Solidarity Tax on Large Fortunes, introduced in 2023, that applies to net wealth above €3 million and adds an additional 1.7% to 3.5% on assets above that threshold. It coordinates with regional wealth tax relief to provide a national floor, so even residents of Madrid pay it on assets above €3 million. Roth IRAs in Spain: A Critical Issue Here is one of the most important things for Americans to understand before moving: Spain does not respect the tax-free status of Roth IRAs. Under U.S. law, qualified Roth IRA distributions are entirely tax-free, since contributions were made with after-tax dollars. Spain doesn’t see it that way. The Spanish tax authority (Hacienda) classifies Roth IRA distributions as investment income — specifically, as income from movable capital — and taxes them at savings rates. The taxable portion is generally the gain (the increase in value over your contributions), not the entire distribution, but this still represents a substantial loss of the Roth’s core benefit. A 2022 binding consultation (V1291-22) clarified this treatment, and the same ruling generally requires Roth IRAs to be reported on Modelo 720 and included in wealth tax calculations. The strategic implications are significant. If you have a large Roth IRA and you’re moving to Spain, you may want to consider taking distributions before establishing Spanish tax residency, while distributions are still tax-free in both countries. After becoming a tax resident, every Roth IRA distribution will likely face Spanish tax on the embedded gains. The same applies to any Roth conversions you might be considering — generally you want these completed before the move, not after. Traditional 401(k) and IRA distributions are treated more conventionally as pension or general income in Spain, and they’re taxable in both countries with foreign tax credits relieving most of the double taxation. The U.S.–Spain treaty was updated by a protocol that entered into force in November 2019, and it improves the treatment of cross-border pensions in several ways, though it does not solve the Roth issue. Capital Gains and Investment Income For Spanish tax residents, capital gains on the sale of most U.S. securities (like stocks held in a brokerage account) are taxable in Spain at savings rates of 19% to 30%. Under the U.S.–Spain treaty, gains on the sale of shares are generally taxed only in the country of residence, with limited exceptions for real estate and substantial shareholdings, so the planning here is relatively clean: if you sell while a U.S. resident, you owe U.S. tax; if you sell while a Spanish resident, you owe Spanish tax. This creates a major pre-move planning opportunity. If you have substantial unrealized gains in your taxable investment accounts, the year before your move is a powerful window. You can harvest gains at U.S. long-term capital gains rates — which top out at 23.8% including the Net Investment Income Tax — rather than at Spanish savings tax rates that run as high as 30% above €300,000 in gains. For a portfolio with $500,000 in unrealized long-term gains, the difference can be tens of thousands of dollars. This is one of the most common planning moves we recommend for clients moving to Spain with appreciated portfolios. The strategy isn’t always to harvest. If you’re moving to a non-Beckham regime and your overall income will push you into Spain’s higher capital gains brackets later, harvesting now may be valuable. If you have low income in Spain and modest gains, the Spanish tax may actually be lower than your U.S. rate. The right answer depends on your specific numbers — which is exactly the kind of cross-border modeling a fee-only planner is well-positioned to do without bias. The Foreign Earned Income Exclusion and Foreign Tax Credit U.S. citizens are taxed on worldwide income regardless of where they live, so you’ll continue filing U.S. returns from Spain. Two main mechanisms prevent literal double taxation. The Foreign Earned Income Exclusion (FEIE), claimed on Form 2555, allows you to exclude up to $130,000 of foreign earned income from U.S. taxation for the 2025 tax year (the limit adjusts for inflation each year). Qualifying requires either the bona fide residence test or the physical presence test (330 full days outside the U.S. in any 12-month period). Importantly, the FEIE only covers earned income — wages and self-employment income — not investment income. The Foreign Tax Credit (FTC), claimed on Form 1116, gives you a dollar-for-dollar credit against U.S. taxes for income taxes paid to Spain. Because Spanish rates often exceed U.S. rates at higher income levels, most expats earning above the FEIE threshold find the FTC works better. Excess credits can be carried back one year and forward ten years. The choice between FEIE and FTC has secondary effects worth understanding. The FEIE can disqualify you from making Roth IRA contributions if it pushes your taxable U.S. income low enough. The FTC preserves earned income for IRA contribution purposes. For families with college-age children, the FEIE can also affect the calculation of education credits. Reporting Obligations: Modelo 720 and FBAR Spanish tax residents must file Modelo 720 each year, declaring foreign accounts, securities, and real estate that exceed €50,000 in any of three categories. The form is informational, not a tax return, but penalties for non-filing have historically been severe (though the European Court of Justice forced Spain to substantially soften them in 2022). The filing window is January 1 through March 31 each year for the prior year’s data. On the U.S. side, you’ll continue to file: FBAR (FinCEN Form 114): required when total foreign accounts exceed $10,000 at any point during the year. Form 8938 (FATCA): required when foreign financial assets exceed $200,000 at year-end or $300,000 at any point during the year for single filers living abroad ($400,000/$600,000 for married filing jointly). Form 8621: required for any PFIC holdings — more on this below. Form 8833: to disclose treaty positions. The reporting load is real but manageable with the right preparer. What gets people in trouble isn’t usually the difficulty of any single form — it’s not knowing the forms exist. Investments: What to Do Before You Become a Spanish Tax Resident This is the single most consequential financial planning area for Americans moving to Spain, and the area where pre-move action matters most. Once you’re a Spanish tax resident, your options narrow considerably. The window before that happens is when most of the high-leverage decisions get made. The Brokerage Account Problem A wave of U.S. brokerage firms — including Vanguard, Fidelity, Morgan Stanley, Merrill Lynch, Edward Jones, Ameriprise, TIAA, USAA, and others — have been restricting or closing accounts of U.S. citizens who update their address to a foreign country. The pace accelerated sharply in 2024 and 2025 as firms tightened compliance with anti-money-laundering and FATCA-related requirements. Some firms close accounts outright; others restrict trading to liquidating positions only; some allow continued holdings but block new purchases. The practical implications for someone planning to move to Spain are: Don’t update your address until you have a plan. Once your firm sees a Spanish address, you may have 30 to 60 days to make decisions under significant time pressure. Identify expat-friendly custodians in advance. Charles Schwab International and Interactive Brokers continue to serve U.S. expats in Spain with relatively few restrictions, and a handful of independent advisory firms maintain relationships with custodians who will hold accounts for U.S. citizens abroad — typically when those accounts are managed by the advisory firm rather than self-directed. Transfer assets in-kind, don’t liquidate. If you’re forced to move accounts, transferring securities directly between custodians avoids creating a tax event. Liquidating into cash can trigger massive unintended capital gains. We spend considerable time at AIO Financial helping clients structure their accounts to remain compliant and accessible from abroad. The best time to do this work is before the move. Why Local European Brokerages Are a Trap for Americans The natural instinct, once you’ve moved to Spain, is to open a Spanish or European brokerage account and invest locally. For non-Americans, this is fine. For U.S. citizens, it’s a tax catastrophe — because of the Passive Foreign Investment Company (PFIC) rules. Under U.S. tax law, virtually any non-U.S. pooled investment vehicle — every European mutual fund, every UCITS ETF, every European-domiciled index fund — is classified as a PFIC. The IRS designed PFIC rules to discourage Americans from investing in foreign funds that the IRS cannot easily audit, and the punishment is severe: PFICs are taxed at the highest ordinary income rates (currently up to 37%) on gains, with interest charges layered on top, and require an annual Form 8621 filing that can take a tax preparer several hours per fund to complete. There’s a Qualified Electing Fund (QEF) election that can avoid the worst of these rules, but it requires the foreign fund to provide an annual PFIC statement with very specific information. Almost no European fund managers produce these for retail investors, so QEF elections are theoretically available but practically impossible. The bottom line is straightforward: as a U.S. citizen living in Spain, you generally need to invest through a U.S. brokerage in U.S.-domiciled funds and ETFs. Buying European funds — even excellent, low-cost European index funds — turns a clean financial picture into a tax disaster. There’s a complicating wrinkle: EU MiFID II regulations restrict EU-resident investors from buying many U.S.-domiciled ETFs, because U.S. fund providers haven’t produced the EU-required Key Information Documents. Most U.S. expats in Europe end up holding individual stocks, ETFs purchased through expat-friendly U.S. brokerages, and pre-existing fund positions. Some use options strategies or structured workarounds. Working with a cross-border advisor who understands which products remain accessible matters here. Pre-Move Investment Moves to Consider Twelve to eighteen months before your move, the following are typically worth analyzing: Harvesting long-term capital gains. As discussed above, U.S. long-term gains rates often beat Spanish savings rates, and once you’re a Spanish resident, every sale potentially triggers Spanish tax. Strategically selling and rebuying appreciated positions in your final U.S. year can lock in U.S. tax treatment. Roth conversions. If you have meaningful traditional IRA balances and you’re not in a high U.S. tax bracket, completing Roth conversions before the move means the conversion is taxed at U.S. rates only. After the move, conversions get more complicated (and the resulting Roth doesn’t get U.S.-style tax-free treatment in Spain anyway). Roth distributions. For older clients with substantial Roth balances who plan to draw on them in retirement, taking distributions before becoming a Spanish tax resident captures the full Roth benefit. Once in Spain, the gain portion of every distribution is taxable. HSA decisions. Health Savings Accounts are not recognized by Spain. The income inside them is potentially taxable annually for Spanish tax residents. Some clients draw down HSAs before the move; others maintain them with the understanding that ongoing reporting and tax will apply. 529 plans. Similar issues. 529 plans aren’t recognized as tax-advantaged in Spain, and depending on the structure, may create ongoing Spanish tax liability. Drawing down 529s for U.S. educational use before the move, or restructuring them, is often part of the plan. Real estate decisions. Selling a U.S. primary residence before the move keeps the Section 121 exclusion ($250,000 single / $500,000 married) cleanly available under U.S. rules. Selling after the move adds Spanish tax considerations and can complicate the exclusion. Renting out the U.S. home while abroad creates ongoing reporting in both countries but can be the right answer for those who plan to return. Trust and estate review. U.S. revocable living trusts are not recognized as transparent in Spain — Spanish tax authorities may treat them as opaque foreign entities, which can create unexpected tax consequences. Estate plans drafted under U.S. assumptions often need substantial revision before a move. Should You Keep Investments in the U.S. or Move Them Abroad? For almost every American citizen moving to Spain, the answer is: keep your investments in the U.S. The combination of PFIC rules, EU MiFID II restrictions on U.S. ETFs, and the comparatively higher costs and lower transparency of European retail investing means that a U.S.-domiciled portfolio held at an expat-friendly U.S. brokerage is almost always the right structure. The exception is if you renounce U.S. citizenship — but that’s a separate, much larger conversation. What changes is what you hold and how you manage it. U.S.-domiciled ETFs and individual stocks remain the foundation. You may need to adjust around currency exposure (more on this below), tax-efficiency rules that differ between the two countries, and the loss of access to certain U.S. mutual funds that don’t allow non-resident purchases. Asset location — what you hold in Roth versus traditional versus taxable accounts — also looks different through a cross-border lens. Currency Considerations One question we get often: should you convert to euros once you move? The honest answer is “it depends on your time horizon and liabilities.” Most retirees and long-term residents in Spain end up with euro-denominated living expenses but dollar-denominated investments. Over time, this creates currency exposure: a 10% drop in the dollar means your investment portfolio buys 10% less in Spain. There are a few approaches we use with clients: Hold a euro cash reserve sufficient to cover 1–2 years of living expenses. This protects against short-term currency movements forcing investment sales at bad prices. Don’t try to time currency markets. Strategic currency hedging at the portfolio level is rarely worth the cost for individual investors. For larger portfolios, consider modest direct euro exposure through ETFs that hold European equities or international developed-market funds. Don’t overdo it — global diversification is good; concentrated currency bets are not. Moving Cash: How to Actually Get Money to Spain Getting funds across the Atlantic has gotten easier in recent years but still has friction points worth understanding. Wire Transfers vs. Money Service Providers Traditional bank wires from a U.S. bank to a Spanish bank work but are typically expensive — fees commonly run $25–$50 per outbound wire from the U.S. side, plus a poor exchange rate that often costs another 1–3% of the amount transferred. For a $100,000 transfer, that’s potentially $3,000+ in spread costs. Specialized providers like Wise (formerly TransferWise), OFX, and Revolut typically offer mid-market exchange rates with much lower fees, often under 0.5% all-in. For larger transfers, a foreign exchange broker can negotiate even better rates, sometimes with a forward contract that locks in the exchange rate for a specific future date — useful when you’re closing on a Spanish property and want to know exactly how many dollars the euro purchase price will cost. For most cross-Atlantic transfers under $250,000, Wise is the simplest and lowest-cost option. Above that, dedicated FX brokers start to make sense. Spanish Bank Accounts You’ll need a Spanish bank account for daily living. The traditional banks (CaixaBank, BBVA, Santander) all offer non-resident accounts you can open before establishing residency, though increasingly they want to see your NIE (Spanish foreigner identification number) or your visa. Newer digital banks like N26 and Revolut are popular with expats for their lower fees and English-language interfaces, though some Spanish landlords and employers still prefer traditional banks. A common approach: open a basic non-resident account at a major Spanish bank for housing transactions and government payments, plus a Wise multicurrency account for receiving USD income and converting to EUR efficiently. Reporting Large Transfers Both U.S. and Spanish authorities track large cross-border transfers. On the U.S. side, transfers over $10,000 are reported automatically by your bank to FinCEN. On the Spanish side, banks report incoming international transfers to the Banco de España and tax authorities. None of this is illegal or problematic — but if you’re moving $400,000 to buy a house in Valencia, expect both sides to know, and don’t structure transfers in ways that look like you’re trying to avoid reporting (which is itself a U.S. federal crime). Cash Buffer for the First Year We typically recommend clients have at least six months — preferably twelve months — of Spanish living expenses available in liquid form before the move, in addition to their long-term investment portfolio. The first year in Spain comes with surprise costs: temporary housing, deposits, immigration fees, legal and tax advisor fees, furniture, car purchases, healthcare deposits. Having a cash buffer means none of this requires selling investments at a bad time or running up debt at unfavorable rates. Healthcare, Insurance, and Social Security Spain has one of the better healthcare systems in the developed world, but accessing it as a new arrival requires planning. Most visa categories require private health insurance during the application process and typically through the first year of residency. Standard policies from companies like Adeslas, Sanitas, and Asisa run €60–€150 per month per person depending on age and coverage level. After establishing residency and (for those working in Spain) contributing to Spanish Social Security, you become eligible for the public system, which is generally excellent. For Americans on Medicare, Medicare does not cover care received in Spain. Some retirees maintain Medicare and pay the Part B premiums in case they return to the U.S.; others let it lapse. Reactivation comes with late-enrollment penalties, so this decision deserves careful thought before it’s made. U.S. Social Security retirement benefits continue to be paid to U.S. citizens living in Spain, and the U.S.–Spain Totalization Agreement helps prevent dual social security taxation for many work situations. Working in Spain also generates Spanish social security credits that may eventually qualify you for Spanish retirement benefits, though qualification typically requires fifteen or more years of contributions. Estate Planning Across Borders This is the area most often deferred — and most often regretted. U.S. estate plans drafted assuming U.S. residence rarely work cleanly in Spain. Spain has its own inheritance and gift tax (Impuesto sobre Sucesiones y Donaciones) that applies to Spanish residents and to inheritances of Spanish-located assets. National rates run from 7.65% to 34%, with multipliers based on the relationship between the deceased and the beneficiary. Autonomous communities have wide latitude to set their own rates and bonifications, so effective rates vary enormously: in Madrid, Andalucía, and several other regions, close family members pay almost nothing; in others, rates approach the national maximum. Spanish forced heirship rules also differ from U.S. rules. Spain reserves a legitimate portion of an estate for certain heirs (typically children), which can override testamentary wishes expressed in a U.S. will. EU Regulation 650/2012 allows you to elect U.S. (or your nationality’s) law to govern your succession, but this election generally must be made explicitly in your will and is not automatic. Revocable living trusts, the workhorse of U.S. estate planning, are not transparent in Spain. The Spanish tax authority may treat the trust as a separate opaque entity, which can create unexpected income tax during life and complicate inheritance treatment at death. Many cross-border families need to revise or replace their trust structure before the move. Practical recommendations: consult a Spanish abogado experienced in cross-border estate planning before the move. Have a Spanish will (separate from your U.S. will) covering Spanish-located assets. Make explicit choice-of-law elections under EU Regulation 650/2012. Review beneficiary designations on all U.S. accounts to ensure they still make sense. Lifestyle Costs: What Spain Actually Costs in 2026 A rough framework for Spanish living costs in 2026, by region: Mid-sized cities (Valencia, Granada, Málaga, Seville, Zaragoza): A comfortable lifestyle for a single person runs €1,800–€2,500 per month including rent for a one-bedroom in a desirable neighborhood. A couple typically lives well on €3,000–€4,500 per month. Madrid and Barcelona: Add 30–50% to the above. A nice one-bedroom in central Madrid runs €1,400–€2,000 per month; in Barcelona, €1,500–€2,200. Total monthly costs for a single person comfortably range €2,800–€4,000. Coastal premium areas (Marbella, Ibiza, parts of Mallorca): Closer to U.S. coastal city costs, especially in summer months. Expect €4,000+ monthly for comfortable single living, often €6,000+ for couples. Rural and smaller towns: Substantially lower. Many Americans report living comfortably in Spanish villages or small cities for €1,500–€2,000 monthly per person, including rent. These figures cover housing, food, utilities, transport, basic entertainment, and private health insurance. They don’t include big-ticket items like a car purchase, international travel, or major medical events. A Practical Pre-Move Timeline For a hypothetical move twelve to eighteen months in the future, here’s the timeline we generally recommend: T-18 to T-12 months: Strategic planning. Engage a U.S.-side cross-border financial planner and a Spanish abogado/tax specialist. Decide on visa pathway. Begin tax-projection modeling. Identify which U.S. accounts will move and which custodians can serve you abroad. Begin Spanish language study if you haven’t already. T-12 to T-9 months: Big financial moves. If indicated, complete Roth conversions. Begin strategic gain harvesting in taxable accounts. Review 529 and HSA balances for pre-move decisions. Decide on U.S. real estate (sell, rent, or hold). Update estate documents. T-9 to T-6 months: Visa application. Gather documents, get FBI background check apostilled, prepare income documentation, file the visa application. (Application processing typically takes 4–5 months.) T-6 to T-3 months: Logistics. Arrange international moving company. Begin planning what to ship versus sell versus store. Open expat-friendly U.S. brokerage account if needed. Open Spanish non-resident bank account if possible. Identify Spanish housing for the first 3–6 months. T-3 months to move date: Execution. Final tax planning moves. Cancel U.S. utilities, services, insurance. Notify employer if working remotely. Confirm all Spanish appointments (NIE, padrón, visa pickup). Time the actual move date for tax efficiency — generally after July 2 in any given calendar year if circumstances permit. T-0 to T+6 months in Spain: Settling in. Register with local padrón. Apply for Tarjeta de Identidad de Extranjero (TIE). Set up Spanish utilities, internet, healthcare. Critically: file Beckham Law election within 6 months of Social Security registration if eligible. Begin Spanish tax registration with AEAT. T+12 months: First Spanish tax return. File first IRPF return for the partial year (if applicable). Review and adjust ongoing tax strategy based on actual income realized. How AIO Financial Works With Cross-Border Clients At AIO Financial, our work with Americans moving to Spain is fundamentally about reducing the cost of bad surprises. We are a fee-only fiduciary firm — meaning we receive no commissions, no kickbacks, no revenue from any product we recommend. Our clients pay us directly, and we work only for them. That structure matters especially for international moves, where the financial services industry’s commission-based incentives often push expats into expensive insurance products and PFIC-laden offshore structures that primarily benefit the salesperson. Our typical engagement with a Spain-bound client involves an initial deep planning phase eight to twelve months before the move, then transition support during the move itself, then ongoing investment management and annual planning review once settled. We coordinate with Spanish tax counsel and U.S. expat tax preparers — we don’t replace them, but we make sure all the pieces fit together. We help clients maintain compliant U.S. brokerage relationships from abroad through our institutional arrangements. We don’t claim to be everything. We’re not Spanish lawyers or accountants. We don’t handle Spanish tax filings ourselves. Spain’s gestores and Spanish tax advisors handle that side of the picture. Our role is the U.S.-side planning and the cross-border coordination — making sure the two systems work together rather than against each other for our clients. The Bottom Line Moving to Spain can be one of the best financial and lifestyle decisions an American family makes. It can also be one of the most expensive, depending on how the planning goes. The difference is rarely about how much money you have — it’s about how much advance planning you do. The tax rates aren’t usually the killer. Spain isn’t dramatically more expensive than the U.S. on income tax for most middle-income families. What costs people money is the avoidable mistakes: missing the Beckham Law deadline, holding the wrong type of investments, triggering U.S. capital gains in Spain when they could have been harvested at home, getting blindsided by Modelo 720 reporting, ending up in a high-wealth-tax region without realizing it. Almost all of these are preventable. The work to prevent them mostly happens twelve to eighteen months before the plane takes off, not after. If you’re seriously considering Spain, the time to start the financial planning conversation is now. AIO Financial is a fee-only fiduciary financial planning firm registered with the SEC, headquartered in Tucson, Arizona, and serving clients virtually across the United States and abroad. We specialize in expat financial planning, sustainable and impact investing, retirement planning, and tax-aware investment management. We earn no commissions, sell no products, and are compensated only by our clients. To discuss your situation, visit aiofinancial.com or contact us at 520-325-0769. This guide is for educational purposes only and is not legal, tax, or investment advice. Tax laws and visa rules change frequently. The figures, thresholds, and rates cited reflect our understanding as of early 2026 and are subject to change. Please consult qualified U.S. and Spanish professionals about your specific situation before making cross-border financial or relocation decisions.

SumUp prüft den Börsengang, Wero steckt im Gegenwind und Revolut baut eine neue Europa-Zentrale in Paris auf. André Bajorat und Jochen Siegert ordnen den April ein – direkt nach einem dichten Konferenzmonat.

Slovenci smo rekorderji v kopičenju denarja na bančnih računih. Po zadnjih podatkih Banke Slovenije imajo Slovenci na bankah skoraj 33 milijard evrov, skupaj z gotovino v nogavici pa še bistveno več. Zakaj ta denar ostaja neaktiven in kaj to pove o vlagateljih? Kako poiskati varne naložbe za naš denar? Kaj je obveznica, zakladna menica, kako lahko investiramo v obvezniške sklade, ter kakšna so tveganja, stroški in davčna obravnava. Ali je smiselno še naprej puščati denar na banki? Pred mikrofonom: Domen Granda, Prva pokojninska družba *epizoda se je prenašala v živo na YouTube 5. maja ob 16:00 Naroči se na YouTube in nas spremljaj v živo. Pridruži se pobudi Nula ni dovolj! Preveri na www.money-how.si ______________________ Denis Avdić & Marja Milič predstavljata Psihologija denarja z avtorjem uspešnice Morganom Houslom 19.oktober 2026 I Hala Tivoli Podrobneje o dogodku https://psihologija-denarja.si/ ______________________ Spletna delavnica INR: kako izbrati račun, naložbe in strategije https://money-how.si/izobrazevanja/spletna-delavnica-o-inr-kako-izbrati-racun-nalozbe-in-strategije/ ___________________ Bootcamp za začetnike Termini: 21.maja 2026 med 17:00 - 20.00 (v živo on-line) Info: https://money-how.si/dogodki/ ____________________________ PONATIS KNJIGE: Mami, oči, ali smo mi bogati? Od žepnine do investiranja. Vodnik za starše, ki želijo razumeti upravljanje denarja in to znanje samozavestno prenesti na otroke. Tiskana knjiga https://money-how.si/knjiga/mami-oci-ali-smo-mi-bogati/ E-knjiga + bootcamp https://money-how.si/knjiga/mami-oci-ali-smo-mi-bogati-2/ ____________________________ Money-How Premium: https://money-how.si/narocnine/ vključuje: - Modri AI - Finančni asistent, ki pomaga pri raznih finančnih dilemah https://money-how.si/modri-ai/ - Taxistent - Davčni asistent, ki pomaga pri oddaji davčne napovedi https://money-how.si/taxistent/ (deluje za IBKR; Revolut, Trade Republic... in kombinacijo vseh) - poglobljene članke -- vsa INR orodja (primerjalnik, iskalnik, strategije) ____________________________ Finančna delavnica je lahko čudovito darilo. Več preveri https://money-how.si/izobrazevanja ______________________ (delavnica) Investiranje v delnice: Kaj moram vedeti, ko se odločam za investiranje v delnice Prijava: https://money-how.si/izobrazevanja _____________________ (delavnica) Investiranje za začetnike. Praktično o osnovah investiranja. Prijava: https://money-how.si/izobrazevanja _________________________________ DISCORD skupnost: V finančnih zagatah nismo sami, pridružite se nam na Discord Money-How / discord ______________________________ Več o Money-How na https://money-how.si/

This week, we unpack what's really happening in IPO markets.From a Hong Kong listing surging nearly 400%, to breaking down how IPOs actually work (including the “green shoe” mechanism), to Revolut's long-term IPO ambitions — and why UK listings like RAC are being delayed.If you're trying to understand how companies go public and what's driving today's market, this is a simple, real-world walkthrough.(00:00) IPO market overview(02:41) Hong Kong's IPO surge(12:05) How IPOs work (green shoe explained)(20:58) Revolut & fintech vs banks(29:01) UK IPO struggles & RAC delay*****Subscribe to the daily Market Maker newsletterTake a free Finance Accelerator simulationCheck out more about simulations for attraction, training and assessment at www.amplifyme.com

Am stat de vorbă cu Flavius Iacobovici, un „contabil detectiv” care ne-a arătat ce se ascunde, de fapt, în spatele cifrelor din balanțele firmelor românești. Am învățat că într-un business – dar și în familie – cea mai importantă regulă este că „cash-ul este rege”, pentru că profitul de pe hârtie nu te ajută dacă nu ai lichiditate disponibilă imediat. Ne-am uitat cu atenție și la zona de crypto, unde ANAF-ul a început deja să facă verificări serioase, semn că era „banilor din umbră” lăsați la voia întâmplării se apropie de sfârșit. Un alt punct critic discutat a fost discrepanța dintre mediul privat, care susține economia prin taxe pe salarii, și rezistența sistemului de stat la reformă și eficiență. Am atins și subiectul fierbinte al inteligenței artificiale, care în viziunea lui Flavius trebuie privită ca un aliat, un „levier” care va elimina munca repetitivă și va restructura profesiile liberale. Totodată, am analizat de ce prosumatorii ar trebui să fie atenți în următorii ani, deoarece taxarea energiei produse pe cont propriu ar putea deveni o realitate mai repede decât credem. În final, rămânem cu ideea că timpul este singura monedă pe care o plătim cu toții, iar educația fiscală este singura care ne poate salva de „costurile” viitorului. IGDLCC înseamnă Informații Gratis despre Lucruri care Costă! Totul ne costă dar mai ales timpul așa că am făcut această serie pentru a mă informa și educa alături de invitați din domeniile mele de interes. Te invit alături de mine în această călătorie. Mi-am propus să mă facă mai informat și mai adaptat la schimbările care vin. Sper să o facă și pentru tine.

Arthur Firstov, Chief Business Officer at Mercuryo, joined Alex Richardson at Paris Blockchain Week 2026 to challenge the dominant DeFi narrative.The future isn't DeFi platforms beating banks — it's DeFi primitives living as backend infrastructure inside Revolut, neobanks, and traditional banks with polished UX and millions of users. Plus crypto cards as the consumer gateway, the 2026 fintech-pivot M&A wave, and Mercuryo's Mastercard crypto credentials product.We cover:- DeFi's actual adoption path: white-label inside banks- Crypto cards as the mainstream stablecoin gateway- The fintech-pivot driving crypto M&A in 2026- Mercuryo + Mastercard's crypto credentials product- What MiCA actually changed for an early-stage compliant firm

Dave and Fionnuala are on a mission to raise big money for Focus Ireland to help end child homelessness — and the total is already over €5,500, with €10k in sight.Donate at least a fiver (more if you can) via iradio.ie/focus or on Revolut. Send in proof and you're into the draw to decide what tattoo goes on Dave's posterior. Yep, forever.They chat to Fay from Phoenix Tattoo Studio on the Tuam Road in Galway about arse tattoos, pain levels, how long it'll take, and the all-important question: does Dave need to shave?

În episodul 80 am avut una dintre cele mai personale și prețioase conversații de până acum: o discuție liberă cu bunica mea, la vârsta de 85 de ani.A fost căsătorită timp de 58 de ani cu bunicul meu, Tata Gim, domnul Anchidim ROȘ, iar împreună au construit o familie impresionantă: opt copii - cinci fete și trei băieți, 38 de nepoți și 55 de strănepoți. Deși mulți dintre ei locuiesc la distanță, bunica îi cunoaște aproape pe toți, se roagă pentru fiecare și continuă să fie prezentă în viețile lor cu aceeași dragoste și dedicare.Pentru mine, bunica este imaginea unei femei care și-a construit viața în jurul lui Dumnezeu. Rugăciunea nu a fost doar un obicei pentru ea, ci locul din care și-a luat puterea, pacea și chiar energia pentru fiecare zi. Credința ei se vede în felul în care a iubit oamenii, și-a crescut familia și și-a deschis casa pentru oricine îi trecea pragul.Dacă ai fost vreodată în casa ei, știi deja: nimeni nu pleacă fără să fie primit cu căldură, fără o farfurie cu mâncare sau fără o vorbă bună. Cartofii ei prăjiți, plăcintele, sarmalele și tocănițele au devenit aproape legendare în familie. Dar dincolo de mâncare, oamenii au simțit mereu ceva mai profund — dragoste, grijă si rugăciune. Mereu spune o binecuvântare când ajungi și una inainte să pleci. Episodul acesta este despre familie, credință, perseverență și moștenirea pe care o lasă un om atunci când trăiește cu Dumnezeu în fiecare zi. O conversație simplă, sinceră și plină de viață cu o femeie care a influențat generații întregi fără să caute vreodată atenția lumii._______________Dacă VULNERABIL te-a ajutat în viața ta de credință — sau pur și simplu te-a atins într-un mod personal — ti-aș fi recunoscătoare dacă m-ai susține:

Dave Lofts joins Dave and Fionnuala in studio ahead of our Secret Session.He chats all things his rise in music, Russell Crowe, his big plans for the future, and he sings 'Running Up That Hill' live in studio!It's all building to iRadio's Secret Session this Friday in Galway, kicking off the Bank Holiday weekend in aid of Focus Ireland.It's so easy to donate. Just go to Payments on Revolut and search Focus Ireland or you can give what you can at iRadio.ie/focus.

This week on Riding Unicorns, we welcome back Alan Chang, Founder and CEO of Fuse Energy.Since his last appearance, Fuse has scaled rapidly, reaching a $5B valuation and setting its sights on £1B ARR. In this episode, Alan breaks down what it really takes to build a full-stack energy company from scratch, and why solving energy is one of the hardest and most important challenges of our time.We cover:• Why lowering the cost of energy is a trillion-pound opportunity • The reality of building in a deeply complex, regulated industry • What it actually means to “buy the grid” and why it matters • How Fuse has already reduced energy costs by 15% • The next big product: plug-and-play solar and battery for every home • Why time, not capital, is the biggest constraint in building a company • Hiring world-class engineers and building a high-performance culture • Lessons from Revolut and applying them to energy • Why the best founders are obsessed with speed, not comfortAlan also shares his mindset as a founder, why he rarely looks back at achievements, and why he's more convinced than ever that this problem can be solved.Clear thinking on how to build a generational company in one of the world's most complex industries.

En este episodio Víctor cuenta, con una metáfora futbolística que no tiene desperdicio, cómo Claude Code ha cambiado radicalmente su manera de trabajar y de pensar. Diez años gestionando equipos de desarrollo para GuideDoc, peleando con muros, reuniones interminables y 150.000 euros gastados en proyectos que nunca vieron la luz. Y de repente, en cuestión de semanas, ya está tocando código en producción solo, a su ritmo, como a él le gusta. No es solo una herramienta nueva. Víctor lo encuadra filosóficamente: Andy Clark y la mente extendida, McLuhan y las amputaciones que provocan las prótesis, Sócrates en contra de la escritura. Claude no es un asistente, es ya parte de cómo piensa. Y eso, dice, lo cambia todo. ¿Quieres saber exactamente cómo ha dado el salto a tocar código en GuideDoc? En el episodio Premium de esta semana Víctor entra en todos los detalles que aquí no caben. → Apúntate al Premium Lo que vas a escuchar La metáfora del Messi empastillado: cómo Claude Code ha transformado la sensación de Víctor al desarrollar en tiempo récord. Diez años de muros con equipos de desarrollo: 150.000 euros perdidos, un año y medio sin resultados y la frustración acumulada de GuideDoc. De las pruebas al código en producción en cinco días: cómo el plan de «probar durante un año» duró menos de una semana. Andy Clark y la mente extendida: por qué Claude no es solo una herramienta sino cognición externalizada. McLuhan y las amputaciones: qué puede estar amputando Claude que aún no vemos. El contrapunto honesto: el background técnico que Víctor reconoce tener y que ayuda, aunque insiste en que no es imprescindible. El episodio Premium de esta semana En el episodio Premium de esta semana Víctor da muchos más detalles sobre cómo ha llevado todo esto a la práctica: Cómo ha empezado a tocar código real en GuideDoc con Claude Code y qué pasos concretos ha seguido. Las pruebas y plataformas previas que hizo antes de atreverse a entrar en producción. Los detalles del flujo de trabajo que ha montado y que antes le hubiera costado dos años de reuniones. → Apúntate a No es Asunto Vuestro Premium para escuchar el episodio completo. Transcripción del episodio [00:00] La pastilla de Messi: así se siente Víctor con Claude Soy el puto Leo Messi. Desde hace días, piso el campo y todo fluye, regateo a cualquiera, me los quito de encima como si no existieran, golpeo faltas que son misiles desde lejos, desde dentro del área, a la escuadra. Soy el puto Leo Messi. Marco un golazo en el Bernabéu, camino hacia la grada y me quito la camiseta mostrando el 10. Me he tomado una pastilla, chicos, y soy Leo Messi. Así es como me siento con Claude. Os lo digo de verdad. [00:39] Diez años peleándome con el desarrollo de GuideDoc Yo toda mi vida he sido guionista, periodista, he hecho programas de televisión y de radio. Llega un momento en que dejo todo ese mundo y paso a tener una empresa tecnológica: GuideDoc, una plataforma de cine documental en streaming. Pero lo que he hecho durante estos diez años ha sido básicamente gestionar películas, hacer curación y gestionar un equipo de desarrollo. Y esos diez años han sido muy difíciles. La frase más repetida en No es Asunto Vuestro es: todo es mucho más difícil de lo que parece. Tú piensas una cosa, piensas que la desarrollarás, que te juntarás con un equipo y que podrás tirarla adelante. Sí que se puede, pero siempre todo es más complicado de lo que parece. Me he encontrado con infinitos muros. Siempre que me han preguntado por esto yo he dicho: si pudiera volver atrás, al Víctor de los 18 o 19 años, a lo mejor hubiera estudiado desarrollo, o más adelante hubiera hecho algún curso, para tener las herramientas para poder desarrollar aquello que tenía en la cabeza. Si pudiera volver atrás, sería desarrollador. ¿Por qué? Por todos los muros que me he encontrado estos más de diez años. [02:22] 150.000 euros y un año y medio sin ver nada He estado en desarrollos que no han salido: un año y medio de trabajo, 150.000 euros gastados y nunca vimos ningún resultado. Lo he explicado muchas veces en el podcast. Y en los proyectos actuales, cualquier mínimo cambio cuesta. Cuesta hacerte entender, cuesta que salga exactamente como lo tienes en la cabeza, cuesta que ese mockup se entienda, cuesta desarrollar la mínima cosa. Imaginad un proyecto como GuideDoc: decenas de aplicaciones, plataformas, backends, con una infraestructura increíble y complicada. Es como un puto Netflix. Y lo he hecho yo, peleándome con la gente. Pues imaginad lo que me ha costado. [03:16] De las pruebas al código en producción en cinco días Ahora me he tomado una pastilla y soy el puto Messi. Desde hace unas semanas, gracias a Claude Code, he ido desarrollando plataformas e ideas. Todo ha sido pruebas, tests, teniendo en mente que en un futuro, yo pensaba hace una semana, haría todas estas pruebas para ver cómo funciona Claude, y en un año o año y medio, quizás haría alguna prueba con GuideDoc. Pues bien: al cabo de cinco días ya llegó ese día. Después de todas las pruebas que hice, me vi con ganas, con fuerzas y con suficiente valentía como para comenzar a tocar código en GuideDoc y empezar a hacer las cosas con la rapidez y de la manera como a mí me gusta. Si queréis saber cómo lo he hecho, en el episodio Premium de esta semana doy muchos más detalles. [04:21] Andy Clark, McLuhan y Sócrates: las herramientas nos cambian Lo que quería decir aquí es que esto se ha hablado mucho. Pensadores y filósofos han reflexionado sobre las herramientas y sobre cómo el humano cambia según la que usa. Andy Clark hablaba de la mente extendida: tu mente no termina en el cráneo. Tu libreta, tu móvil, tu Google Maps, todas las herramientas que utilizamos son cognición externalizada de nuestra propia mente. Y si aceptas esto, Claude ahora mismo se está convirtiendo, o puede llegar a convertirse, no en un asistente sino, literalmente, en parte de cómo pienso. Os lo digo de verdad: la manera en que estoy trabajando estos últimos días no tiene nada que ver con cómo trabajaba hace un mes. Ha cambiado mi manera de pensar y, evidentemente, mi manera de ver la vida. Ya no eres tú y una herramienta, sino un sistema cognitivo nuevo. Por otro lado, y esto es McLuhan: las herramientas nos amputan una parte de nosotros y actúan como una prótesis. Cada cosa que ganamos es algo que dejamos de usar. El coche nos amputó las piernas. La calculadora se lió un pollo que flipas, ya no calculamos mentalmente. Aún no sé qué amputa Claude, pero comienzo a vislumbrarlo. Y esto no es de ahora. Sócrates ya estaba en contra de la escritura, porque decía que iba a destruir la memoria: si lo escribimos, ya no hace falta pensar tanto en las cosas a la hora de recordarlas. Entiendo que haya muchos developers que se pongan las manos en la cabeza con algunas de las cosas que digo. Pero chicos: puede haber errores, evidentemente. También los hay en estos diez años de desarrollo en GuideDoc. Muchos errores, y ya los he encontrado todos ahora con la inteligencia artificial. [07:03] Dos años de reuniones en media hora Si la inteligencia artificial comete errores, me da igual, porque ya los arreglaremos. Pero la IA me hace una cosa que antes nos hubiera costado, sin exagerar, dos años de discusiones, de reuniones, de dolores de cabeza, de despertarme a medianoche pensando en eso. Dos años en media hora. Y es así de exagerado. ¿Cómo coño no voy a abrazar esto, viniendo de donde vengo? [07:28] El Messi empastillado y el proceso como producto Evidentemente, a lo mejor he puesto un ejemplo con poca gracia, porque a mí un Messi empastillado no me haría gracia. Es como lo que digo siempre: no seré capaz de ver actores generados por IA ni de escuchar un podcast donde sé que ese tío no existe. Y tampoco quiero ver un futbolista falso. Pero es que en el deporte el proceso es el producto. Estás ahí porque te gusta la esencia, y un Messi empastillado es una cosa distinta. Pero aquí, en lo que estamos hablando, el proceso es igual. ¿Qué importa si lo único que importa es lo que estoy construyendo? Si ahora viene Revolut y me pide que les haga la aplicación, con Claude, después de todo lo que he hecho estas semanas, soy capaz. ¡Soy un developer! ¿Lo veis lo que os quiero decir? [08:41] Lo que ha cambiado no es lo que sabes, sino lo que te atreves a empezar Lo que ha cambiado casi no es lo que sé hacer. Es lo que me atrevo a empezar. Eso es la clave. Sí que es verdad, para poner un contrapunto honesto: cuando se lo explico a alguien que no tiene nada que ver con el sector, un abogado por ejemplo, hay un gap porque no tiene ciertas herramientas de base. Yo tengo un poco de trampa: no soy desarrollador, entiendo muy poco de líneas de código, pero me he estado peleando con ellos durante diez años. Sé su lenguaje, sé cómo piensan, sé cómo se estructura un proyecto, sé qué es un servidor, un backend, un commit, un GitHub. Eso ayuda. Pero también es verdad que si os lanzáis con Claude y hay algo que no entendéis, se lo preguntáis y te lo explica. Estamos en ese punto. Son un montón de fronteras que se han disuelto en estas semanas. A lo mejor no es para todo el mundo, pero yo creo que sí lo es para quien tiene las ganas, la idea, cierto criterio y, sobre todo, curiosidad. Si sois de esos, lo estamos petando en la parte Premium de No es Asunto Vuestro. Os aconsejo que le deis un vistazo en noesasuntovuestro.com. Un abrazo muy fuerte, nos vemos la semana que viene. Ciao. Menciones y recursos del episodio Claude Code (Anthropic): la herramienta protagonista del episodio, que Víctor usa para desarrollar GuideDoc. GuideDoc: la plataforma de cine documental en streaming de Víctor. Andy Clark: filósofo de la mente extendida («Extended Mind»), referenciado por Víctor. Marshall McLuhan: teórico de los medios, citado por la idea de que las herramientas actúan como prótesis que nos amputan. Sócrates: mencionado como el primero en alertar sobre los efectos de una nueva herramienta, en su caso la escritura. Revolut: usado como ejemplo hiperbólico de proyecto de app complejo que Víctor siente que podría abordar. No es Asunto Vuestro Premium: donde Víctor desarrolla en detalle todo lo que cuenta en abierto en este episodio. ¿Te has quedado con ganas de saber cómo lo ha hecho en la practica? En el episodio Premium de esta semana Víctor entra en los detalles reales: las pruebas previas, el momento en que decidió tocar código en GuideDoc y el flujo de trabajo que ha montado con Claude Code. Lo que en años de desarrollo te costaría meses, en minutos. → Apúntate a No es Asunto Vuestro Premium Noesasuntovuestro.com

Fionnuala struggles through her full-face licking from Dave's Dog.The challenges spiralled and now Dave is getting WHAT tattooed????All these challenges are in aid of Focus Ireland to help end child homelessness.Donate via iradio.ie/focus or Focus Ireland on Revolut.

Dave has declared war on coleslaw.But it's all for a serious reason: we're raising money for Focus Ireland to help end child homelessness. The deal is simple - hit five donations and Dave has to chow down on a tub of the “devil's spawn”… live, with all the gagging, chewing and regret included.And just when you think it can't get worse, Fionnuala gets volunteered for tomorrow's challenge: a full face-licking from Dave's dog. Donate via iradio.ie/focus or Focus Ireland on Revolut.

Après des années à voir Revolut exploser partout, j'ai voulu comprendre ce qu'il y a vraiment derrière la machine.J'ai reçu Nicolas Moalic, en charge du marketing pour la France et le Benelux.On parle sans filtre de :→ Comment ils sont passés de 3 personnes à 300 en France→ Les vraies stratégies d'acquisition derrière une boîte à 70M d'utilisateurs→ Pourquoi Revolut ne “paye pas” vraiment ses utilisateurs contrairement aux autres banques→ Leur approche ultra structurée de l'influence (et pourquoi ils misent tout sur le long terme)→ Les coulisses de leurs gros partenariats (YouTube, TV, NBA, créateurs…)→ Leur stratégie pour devenir la banque principale des utilisateursMais surtout, on parle d'un truc clé :

For years, Daisy Xia's performance reviews said the same things: hardworking, great team player, result-driven, quiet. Cycle after cycle, different managers, same words. Then she realized: those were her brand hashtags, and they were never going to get her to where she wanted to go. She wanted "confident," "influential," "driven," "leadership." And nobody was going to give her those labels. She had to earn them by using her voice. Daisy is Head of Strategy and FP&A at Revolut, one of the world's fastest-growing fintechs. Originally from China, she built her career navigating the cultural expectation that hard work and results would speak for themselves. They didn't. In this episode, she breaks down exactly how she changed that, and what she now teaches every junior person who reports to her. You'll learn: The performance review pattern that finally made her realize she was building the wrong brand, and the specific words she decided to own instead Why she stopped being the silent note-taker in every meeting, what she lost by doing it, and why AI has made that role completely obsolete The 4-phase framework for asking questions in town halls and large meetings, from canned questions that still get you seen, to strategic dialogue that opens collaboration doors with senior executives The "golden three months" strategy: how to use your newness as a security blanket to ask anything, map broken processes, and deliver visible value before anyone expects it Why there is no such thing as over-communication at work ,and how staying quiet to avoid being "too much" is actually the riskier move The one mandate she gives herself and every person she mentors: say something in every meeting, even if it's just a rephrasing If you've ever been called "hardworking" but not "leadership material," or if you have great ideas that only come out in one-on-ones but never in the room, this episode is the blueprint. About Daisy Xia: Head of Strategy and Financial Planning & Analytics at Revolut, Daisy leads strategic and financial operations at one of the world's largest fintech companies. Originally from China, she coaches and mentors junior professionals on speaking up, building visibility, and translating strong technical work into leadership presence. Connect with Daisy on LinkedIn: https://www.linkedin.com/in/daisy-xia Stop Taking Notes, Start Getting Noticed: Revolut Head of Strategy Daisy Xia on Building Your Brand Through Your Voice  

Everyone in wealth management is talking about artificial intelligence, but the more important question is what happens when it stops being just another feature and starts becoming the operating layer for the firm. Not just a notetaker. Not just a chatbot. Something that can actually help advisors scale capacity, reduce operational drag and make the tech stack feel a whole lot less fragmented. In this episode of The WealthStack Podcast, host Shannon Rosic chats with Mark Swan, CEO and co-founder of Nevis, to explore what it really takes for AI to move beyond point solutions and into the core infrastructure of a modern RIA. He unpacks the difference between horizontal AI tools and vertical AI platforms, why voice may become the next major interface in advisor technology, and how firms can start thinking about AI not as a collection of disconnected tools, but as a system for orchestrating work across the front, middle and back office. Key takeaways: Why the real bottleneck in wealth management is advisor capacity, not demand The difference between AI point solutions and a truly unified platform What lessons from digital banking can teach wealth firms about scaling and reducing costs Why voice could become a much more natural way for advisors to interact with their technology  How lowering the cost to serve could make professional financial advice accessible to more clients Resources: Listen to WealthStack on Wealth Management Subscribe and listen to WealthStack on Apple Podcasts Subscribe and listen to WealthStack on Spotify Connect with Shannon Rosic: Shannon Rosic WealthStack website Wealth Management Connect with Mark Swan: LinkedIn: Mark Swan LinkedIn: Nevis Wealth Website: Nevis Wealth About Our Guest: Mark Swan is the CEO and Co-founder of Nevis, an AI platform built specifically for wealth management firms. Originally from Scotland, he brings a global perspective shaped by his experience helping scale Revolut into one of the largest digital banks in the world. At Nevis, Mark is focused on reducing the administrative burden that limits advisor capacity, using AI to streamline workflows and improve how firms operate. His work centers on helping advisors spend less time on processes and more time with clients, while also expanding access to financial advice through more efficient and scalable systems.

Nik Storonsky, CEO of Revolut, built one of the world's most valuable fintech companies -- now worth around $75 billion. In this interview, he explains how a simple idea -- eliminating hidden foreign exchange fees -- turned Revolut into a global digital bank offering payments, trading, crypto, and business banking in one app.In this episode of The David Rubenstein Show: Peer to Peer Conversations, Storonsky discusses Revolut’s growth, the future of fintech, plans for US expansion, and whether an IPO is coming. This interview was recorded April 14 at the Johns Hopkins Bloomberg Center in Washington DC. See omnystudio.com/listener for privacy information.

The rapid commercial evolution of Formula 1 has been clear to see in recent years, but what makes the property so attractive to brands? At last month's BlackBook Motorsport Forum, representatives from LVMH, Lego, Revolut and Heineken appeared on stage to answer exactly that question. Moderated by the founder and CEO of Right Formula, Robin Fenwick, listen out for some best practice advice on how to bridge motorsport with fashion and culture, and also the big differences and opportunities between sponsoring a team and a series.Mics Out is your inside track to the business of motorsport - part of the SportsPro podcast network. If you're enjoying the show, explore more episodes here: https://open.spotify.com/show/3rOlbQh95rVJ16ZtqGkVsG?si=d9847e664e1e4900

Eind februari zette het Amerikaanse Hooggerechtshof een streep door een groot deel van Donald Trumps tarieven. Ze bleken illegaal. Het grote procederen kon beginnen: transportreuzen als FedEx spanden procedures aan om onterecht betaalde heffingen terug te vorderen. En nu is het zover. Amerikaanse importeurs die onterecht importheffingen hebben betaald, kunnen deze vanaf vandaag terugvorderen bij de Amerikaanse douane. Welke bedrijven hier nog van kunnen profiteren, bespreken we deze aflevering Hoor je ook over Tesla. De cijfers komen woensdag, maar vandaag was er nog ander nieuws. Nieuws met een Nederlands tintje, al is het weinig feestelijk. Reuters ontdekte dat Tesla de afgelopen 20 jaar zo goed als geen belasting betaalde in de VS. Het bedrijf kreeg dat voor elkaar door een slimme belastingconstructie via Singapore en Nederland. Er ging liefst 18 miljard dollar aan winst door die twee landen, zonder dat daar ook maar een cent belasting over werd betaald. En we hebben een nieuwe Warren Buffett voor je gevonden: Brad Jacobs is een miljardair die graag hele industrieën consolideert. Vandaag zette hij met een nieuwe overname van 17 miljard dollar het aandeel TopBuild bijna 20 procent hoger. Of jij erbij moet zijn, gaan we je vertellen. Hoor je ook nog: Over een nieuwe stap in de overname van Commerzbank door Unicredit: Italië wil een reorganisatie Wanneer online bank Revolut eindelijk naar de beurs komt Welk bedrijf tot 10 procent verliest door een foutje met een raket van Jeff Bezos Wat we moeten verwachten van de hoorzitting van beoogd Fed-baas Kevin Warsh Te gast: Arend-Jan Kamp van Stockwatch BNR Beurs is een journalistiek onafhankelijke productie, mede mogelijk gemaakt door Saxo. Over de makers: Jelle Maasbach is presentator van BNR Beurs en freelance financieel journalist. Zijn favoriete aandeel om over te praten is Disney, maar daar lijkt hij de enige in te zijn. Sinds de eerste uitzending van BNR Beurs is 'ie er bij. Maxim van Mil is presentator van BNR Beurs en journalist bij BNR, waar hij zich focust op de financiële markten en ontwikkelingen in de tech-wereld. Je krijgt hem het meest enthousiast als hij kan praten over ASML, of oer-Hollandse bedrijven zoals Ahold of ABN Amro. Jorik Simonides is presentator van BNR Beurs, economieredacteur en verslaggever bij BNR. Hij wordt er vooral blij van als het een keer níet over AI gaat. Milou Brand is presentator van BNR Beurs, freelance podcastmaker en columnist bij het Financieele Dagblad. Jochem Visser is presentator van BNR Beurs, maakt Beursnerd XL en is redacteur bij de podcast Onder Curatoren. Vraag hem naar obscure zaken op financiële markten en hij vertelt je waarom het eigenlijk nóg leuker is dan je al dacht. Over de podcast: Met BNR Beurs ga je altijd voorbereid de nieuwe beursdag in. We praten je in een kleine 25 minuten bij over alle laatste ontwikkelingen op de handelsvloer. We blijven niet alleen bij de AEX of Wall Street, maar vertellen je ook waar nog meer kansen liggen. En we houden het niet bij de cijfers, maar zoeken ook iedere dag voor je naar duiding van scherpe gasten en experts. Of je nu een ervaren belegger bent of net begint met je eerste stappen op de beurs, de podcast biedt waardevolle inzichten voor je beleggingsstrategie. Door de focus op zowel de korte termijn als de lange termijn, helpt BNR Beurs luisteraars om de ruis van de markt te scheiden van de essentie. Van Musk tot Microsoft en van Ahold tot ASML. Wij vertellen je wat beleggers bezighoudt, wie de markten in beweging zet en wat dat betekent voor jouw beleggingsportefeuille.See omnystudio.com/listener for privacy information.

In Folge 8 von AI in Finance sprechen Sascha und Maik über eine Woche, die zeigt, wie schnell sich KI weiterentwickelt. Zwischen dem Mythos-Modell von Anthropic, neuen AI-Strategien im Banking und globalen Machtfragen wird klar: Die Diskussion ist längst größer als Technologie.

MOIA-Chef Sascha Meyer rechnet damit, dass die VW-Tochter ab dem nächsten Jahr autonom fahren kann. Meyer sieht Robotaxis als Zukunft – allein schon wegen des demografischen Wandels und des damit verbundenen Arbeitskräftemangels. Meyer rechnet vor, dass bis 2030 in ganz Deutschland 120.000 Busfahrer fehlen. „Wir gehen momentan davon aus, dass wir in Europa eine Parität zu menschlichen Fahrern in den 2030er Jahren erreichen werden." [05:44] Das Solinger Startup Dash0 hat die Milliardenbewertung geknackt – Gründer Mirko Novakovic sieht die rasante Entwicklung von KI als eine Herausforderung für sein Geschäftsmodell. Dash0 überwacht komplexe IT-Landschaften für Kunden wie Zalando, in einem Markt, der weltweit auf rund 40 Milliarden Dollar geschätzt wird. Novakovic sagt, das sei eine „reale Gefahr". Er sieht seinen Vorteil gegenüber KI-Anbietern im Management der Datenmengen. Dash0 verarbeitet Milliarden von Datenpunkten pro Tag – etwas, was LLMs bisher nicht bewältigen können: „Ob das ewig hält? Ich wage da aktuell keine Prognose", sagt Novakovic. [22:48]Auf der FIBE in Berlin haben Neobanken gezeigt, wie weit sie inzwischen ins Firmenkundengeschäft vorgedrungen sind. Revolut zählt weltweit 800.000 Geschäftskunden, das Segment ist 2025 um 56 Prozent gewachsen. Die Sparkassen ziehen mit S-Neo nach. [01:28]Hier geht es zur Anmeldung für den Space.TableTable Briefings - For better informed decisions.Sie entscheiden besser, weil Sie besser informiert sind – das ist das Ziel von Table.Briefings. Wir verschaffen Ihnen mit jedem Professional Briefing, mit jeder Analyse und mit jedem Hintergrundstück einen Informationsvorsprung, am besten sogar einen Wettbewerbsvorteil. Table.Briefings bietet „Deep Journalism“, wir verbinden den Qualitätsanspruch von Leitmedien mit der Tiefenschärfe von Fachinformationen. Professional Briefings kostenlos kennenlernen: table.media/testenHier geht es zu unseren WerbepartnernImpressum: https://table.media/impressumDatenschutz: https://table.media/datenschutzerklaerungBei Interesse an Audio-Werbung in diesem Podcast melden Sie sich gerne bei Laurence Donath: laurence.donath@table.media Hosted on Acast. See acast.com/privacy for more information.

Plačujemo premije zavarovanja in na koncu nič ne dobimo, si pogosto rečemo. Potem sledi: ah, meni se to ne bo zgodilo. Nekateri se zato ne odločajo za zavarovanja ali pa so podzavarovani, ker ne dobijo nečesa materialnega ali pa ne vidijo rasti ali upada portfelja kot pri vlaganju v vrednostne papirje — skratka nimajo občutka, da so si s tem kupili zaščito. Velikokrat se zgodi, da plačujemo premije za stvari, ki jih zlahka nadomestimo, pustimo pa nezavarovano tisto, kar nam lahko pokuri naše prihranke. Denimo: 5.000 evrov na dan v bolnišnici v tujini. Hiša zavarovana za 150 tisoč evrov, obnova stane 300 tisoč. Potres povzroči požar, zavarovalnica pa potem ne izplača zavarovalnine. Kaj moramo vedeti o zavarovanjih? Pred mikrofonom: Maja Krumberger, direktorica Slovenskega zavarovalnega združenja *epizoda se je prenašala v živo na YouTube 14. aprila ob 14:00 Naroči se na YouTube in nas spremljaj v živo. Koliko kapitala je treba imeti, da mesečno prejemamo 500 ali 1.000 evrov neto dividend? Poigrajte se z dividendnim simulatorjem za SBITOP. Simulator je prosto dostopen. ______________________ Denis Avdić & Marja Milič predstavljata Psihologija denarja z avtorjem uspešnice Morganom Houslom 19.oktober 2026 I Hala Tivoli Podrobneje o dogodku https://psihologija-denarja.si/ ______________________ Bootcamp INR v živo: kako izbrati račun, naložbe in strategije Termini: Ljubljana - 23. april 2026 med 17.00 in 20:00 Info: https://money-how.si/dogodki/ ___________________ Bootcamp za začetnike Termini: 21. april 2026 med 17.00 - 20:00 (v živo na Ekonomski fakulteti v Ljubljani) 21.maja 2026 med 17:00 - 20.00 (v živo on-line) Info: https://money-how.si/dogodki/ ______________________ Bootcamp za mlade Vse, kar mora vaš otrok vedeti o upravljanju denarja Termini: Ljubljana - 28. april 2026 med 10.00 Info: https://money-how.si/dogodki/ ____________________________ PONATIS KNJIGE: Mami, oči, ali smo mi bogati? Od žepnine do investiranja. Vodnik za starše, ki želijo razumeti upravljanje denarja in to znanje samozavestno prenesti na otroke. Tiskana knjiga https://money-how.si/knjiga/mami-oci-ali-smo-mi-bogati/ E-knjiga + bootcamp https://money-how.si/knjiga/mami-oci-ali-smo-mi-bogati-2/ ____________________________ Money-How Premium: https://money-how.si/narocnine/ vključuje: - Modri AI - Finančni asistent, ki pomaga pri raznih finančnih dilemah https://money-how.si/modri-ai/ - Taxistent - Davčni asistent, ki pomaga pri oddaji davčne napovedi https://money-how.si/taxistent/ (deluje za IBKR; Revolut, Trade Republic... in kombinacijo vseh) - poglobljene članke - vsa INR orodja (primerjalnik, iskalnik, strategije) ____________________________ Bootcamp v živo: Investiranje – kako sploh začeti Že dolgo razmišljaš o vlaganju in ne veš, kje in kako začeti? Nimaš energije, da bi raziskoval vse podrobnosti. Skrbijo te davki? Presekaj in se nam pridruži v živo, kjer bomo skupaj naredili prvi korak v svet investiranja! Termini: Ljubljana - 21. april 2026 med 17.00 in 20.30 Info: www.money-how.si/dogodki/ __________________ Finančna delavnica je lahko čudovito darilo. Več preveri https://money-how.si/izobrazevanja ______________________ (delavnica) Investiranje v delnice: Kaj moram vedeti, ko se odločam za investiranje v delnice Prijava: https://money-how.si/izobrazevanja ____________________ (delavnica) Investiranje za začetnike. Praktično o osnovah investiranja. Prijava: https://money-how.si/izobrazevanja _________________________________ DISCORD skupnost: V finančnih zagatah nismo sami, pridružite se nam na Discord Money-How / discord ______________________________ Več o Money-How na https://money-how.si/

Are you still manually posting to every social media platform one by one? In this episode, we sit down with Joe Zeplin, serial entrepreneur, CEO of Joe Zeplin Marketing Agency, and one of YouTube's most practical voices on Social Media Management Tools. Joe breaks down exactly how small businesses, freelancers, and content creators can grow their online presence organically — without spending a cent. From choosing the right post scheduler, to getting paid properly online, to understanding what hashtags actually do for your algorithm in 2024, this is a masterclass in working smarter on social media. If you've ever wondered how to post once and reach five platforms, why your content isn't getting the views it deserves, or how to finally stop leaving money on the table with payment processors — this one is for you.   Join my PodFather Podcast Community https://www.skool.com/podfather/about Start Your Own SKOOL Community https://www.skool.com/signup?ref=c72a37fe832f49c584d7984db9e54b71 Join our Brain Fitness SKOOL Group https://www.skool.com/brainfitness/about Join Podmatch https://www.joinpodmatch.com/roy   What we Discussed: 0:02 - Welcome & Introduction — Roy introduces Joe Zeplin 0:49 - Joe's background — from Pennsylvania to the corporate world 1:44 - The "cruise ship vs. dinghy" analogy — building something on the side 2:59 - Joe clarifies the analogy and his journey to full-time content creation 4:25 - How AI wiped out Joe's project manager role and forced the leap early 5:09 - Going from one video a month to four videos a week 6:30 - Roy on the freedom of working for yourself — and the boats that sink 7:43 - Accepting payments online — Square, PayPal, Venmo, and Stripe compared 9:53 - Why talking about getting paid matters for small businesses 10:14 - Currency exchange fees — making the client pay the spread, not you 11:52 - Roy's experience with Wise, Revolut, and invoicing across currencies 13:06 - Post schedulers — Buffer, Hootsuite, Metrical, and Virally explained 14:07 - Free versions and budget-friendly tools for podcasters and creators 16:21 - How to customise timing across platforms from one scheduled post 17:14 - Tailoring your content title and tone for Facebook, LinkedIn, and Instagram 20:13 - Platform-by-platform strategy — what works where and why 21:58 - Standing out on Instagram by doing the opposite of everyone else 23:17 - Hashtags in 2024 — are they still relevant? 24:03 - How algorithms have changed and what that means for hashtags 26:36 - Are third-party post schedulers penalised by platforms? 27:30 - Posting and ghosting — why engaging after you post matters 29:23 - Commenting on others in your niche to grow your audience 30:45 - Roy on always engaging — hearts, comments, and even negative feedback 31:20 - AI-generated comments — will they help or hurt? 33:00 - Virally's inbox management tool — responding across all platforms in one place 34:00 - Roy's experience tracking spikes — why 50/50 content sometimes outperforms 35:11 - Clickbait thumbnails vs. matching content — what the analytics reveal 36:38 - Using sound bites and previews in podcasts and videos 37:16 - Building a team and scaling content production 38:54 - Sleeper videos — why old content can suddenly take off 40:29 - Facebook post analytics — realising 700 people saw a post with 2 hearts 42:00 - Why content creators quit too early — the reality of silent viewers 43:57 - Vanity metrics vs. genuine engagement — 200 loyal beats 1 million fake 44:43 - How brands and guests still look at follower count over quality metrics 46:00 - The future of creator metrics — loyal fan base over vanity numbers 48:34 - vidIQ, TubeBuddy, and free SEO workarounds using Google search 50:39 - Maximising YouTube's 5,000-character description limit for SEO 50:59 - Using AI (ChatGPT/Claude) to build keyword-rich descriptions 51:45 - Long-tail SEO keywords — targeting the right viewer, not just more viewers 51:51 - Roy wraps up and invites Joe back 52:02 - Where to find Joe Zeplin and what you'll learn on his YouTube channel #JoeZeplin #SocialMediaManagement #SocialMediaManagementTools #PostScheduler #YouTubeGrowth #ContentCreator #SmallBusiness #Metrical #Hootsuite #Buffer #SEOTips #Hashtags #Podfather #RoyColin #OnlineMarketing #DigitalMarketing #SocialMediaTips #YouTubeSEO #ContentMarketing #GrowOnline How to connect with Joe Zeplin:

Carles Reina is VP of Sales at ElevenLabs, where he was the first investor and fourth employee. Carles has scaled the revenue org from Day 1 to over $350M in just 3 years. Carles is also an active investor with investments in ElevenLabs, Revolut, Happy Robot and more.   AGENDA: 00:00 - Is the Traditional CRO Dead in the Age of AI? 01:01 - Building the AI Sales Machine: Agents that Actually Generate Revenue 08:35 - Will AI Shrink the Sales Teams of the Future? 09:51 - The ElevenLabs Masterclass: Why We Set a 20x Sales Quota 11:00 - How to Structure Explosive Sales Accelerators 12:15 - Why You Should Stop Paying Commission on Pilots 14:00 - Customer Success: Is it 'Total Bullshit' or a Growth Engine? 16:15 - The 'Global-First' Fallacy: Why You Need to Open Every Market Now 17:23 - Why Startups Are Wrong to Ignore 20-Year Sales Veterans 19:15 - The Pipeline Construction Secret: Liquidity vs. Whales 24:30 - Forecasting the Unpredictable: How to Hit a $1B Revenue Target 31:55 - The Substitution Threat: Is AI Voice Just a Commodity? 34:10 - Verticalization Mistakes: Lessons from Scaling India 38:40 - The 'IBM Effect': Does Brand Actually Shorten Sales Cycles? 40:15 - Extreme Expectations: Why ElevenLabs is a Hard Company to Work For 42:15 - Internal Leaderboards: How to Use Public Competition to Drive Results 44:20 - Hunting the Obsessed: Identifying the 'Inner Psychopath' in Hires 46:40 - The SaaS Apocalypse: Will Companies Build Their Own CRM? 48:30 - Formula 1 Branding: The Mindset Behind the Audi-Revolut Deal 50:15 - Dinner vs. Conferences: Which Marketing Channels Actually Scale? 52:45 - Designing Un-Salesy Content: How to Run a Legendary Summit 54:20 - CVC Strategy: Turning Corporate Investors into Distribution Channels 01:01:45 - The Globalization Nightmare: Why You Can't Sell in English Everywhere 01:06:45 - Operator-Investors: Can You Be a High-Performer and a VC Simultaneously? 01:11:30 - Unit Economics in AI: Why Good Early Numbers Might Mean Failure 01:18:25 - The Next Wave: Why Foundational Model Consolidation is Inevitable  

Send us Fan MailInvest in pre-IPO stocks with AG Dillon & Co. Contact aaron.dillon@agdillon.com to learn more. Financial advisors only. www.agdillon.com00:00 - Intro00:51 - Anthropic Crosses $30B ARR as Revenue Triples in Three Months01:51 - Anthropic Launches $1B PE Consulting Venture to Monetize Enterprise Adoption02:47 - OpenAI and Anthropic: Massive Capital Burns, Racing to Break Even04:51 - Firmus Raises $505M for Next-Gen AI Data Centers Across Australia05:39 - Perplexity Hits $500M ARR as It Shifts from Search to Autonomous Agents06:14 - Canva Acquires Two AI Startups to Build End-to-End Marketing Platform07:14 - Stripe Launches Agentic Commerce Suite to Become the Payment Layer of the AI Era08:12 - Stripe Powers In-Chat Shopping Inside Microsoft Copilot09:03 - Databricks Lands Tata Power in Enterprise-Wide AI Platform Adoption09:58 - Revolut Eyes $9B Revenue and 100M Users as IPO Moves Closer10:50 - Revolut in Talks to Acquire Turkish Neobank FUPS11:37 - Anduril Tapped to Build Orbital Interceptors for $185B Golden Dome Program13:02 - Cursor 3 Launches with Parallel Agents and a Proprietary In-House Model14:20 - Anysphere Targets $50B-$60B Valuation as Cursor ARR Surpasses $2B15:15 - Neuralink Targets Hearing Restoration as Clinical Enrollment and Valuation Surge16:37 - Ramp and Visa Deploy AI Agents to Automate $100B+ in Annual Corporate Spend17:43 - OpenEvidence Embeds AI Directly into Epic EHR at Mount Sinai's 48,000-Person System18:48 - Harvey Study Exposes "Mobile AI Gap" as Legal Professionals Preview Mobile App

Your future customers aren't just Googling you, they're asking ChatGPT, Gemini, and other AI platforms if they should trust you.In this podcast, ⁠Charlie⁠ and ⁠Luke⁠ go behind the scenes of ChatGPT and major AI platforms to show you exactly how LLMs describe your business. We demo our brand new tool, ⁠⁠Mine My Brand⁠⁠, designed to help you audit and optimise you the way AI describes your business.Using a live deep-dive into Revolut, we reveal:Why what you say on your website might be completely different from what AI tells users.The specific websites and articles feeding ChatGPT its "opinion" of your brand.Actionable strategies to influence AI mentions and ensure you're the recommended choice in your industry.Stop guessing what AI thinks of you.Are you being cited as an industry authority, or are you invisible to the world's most powerful AI models? It's time to find out.

En El Brieff de hoy desentrañamos el choque de México con la ONU y la agresiva pinza comercial de Washington sobre Pemex y Carlos Slim. Analizamos el ajuste petrolero de Hacienda, el "muro digital" en las visas de EU y la purga judicial de Trump. Además, debatimos la crisis de Tesla, la sanción a Revolut, el límite de Microsoft en IA y cómo el fracaso mundialista italiano impulsa una peligrosa agenda política y nacionalista.Si te interesa una mención en El Brieff, escríbenos a arturo@strtgy.aiRecibe gratis nuestro newsletter con las noticias más importantes del día.Si te interesa una mención en El Brieff, escríbenos a arturo@strtgy.ai Hosted on Acast. See acast.com/privacy for more information.

Hivatalosan is elindítja magyarországi fióktelepét a Revolut. A várható változásokra több mint kétmillió hazai ügyfélnek kell majd tudatosan odafigyelnie. Épp ezért gondoltuk úgy, hogy érdemes egy kicsit beszélni róla, mire számíthatunk. Vendégünk Argyelán József, a Bankmonitor vezető elemzője. BŐVEBBEN: 00:00:00 - Gyorstalpaló: mi a Revolut, mit tud, amit a hazai bankok nem, és hol a bibi? 00:07:21 - Lesz hazai fióktelep: változások, amikre az ügyfeleknek fel kell készülniük. Változások, amikre a hazai bankszektornak fel kell készülnie. 00:11:47 - Lehet azt mondani, hogy köszi, de én ezt nem akarom? Előnyök és hátrányok. Csomagok útvesztői. 00:21:46 - Vissza a hazai bankokhoz: lépéskényszerbe kerülnek? Hogyan hathat rájuk? 00:25:39 - Gyorstalpaló 2.0: a következő két hónapban mire érdemes figyelnie az ügyfeleknek, mit ellenőrizzenek mindenképp. Kérdés, kérés, javaslat, meglátás -> dohanygyar@444.hu Hang: Botos Tamás/444, kép: Mehes Daniel/Daniel - stock.adobe.comSee omnystudio.com/listener for privacy information.

Matthew Fisher is CEO of Katana.Many L2s have launched, hoping the apps show up. Katana is taking a different approach, building apps itself and designing the economic engine from day one to make this all possible.In this episode, Matthew breaks down how vaultbridge assets like vbETH and vbUSDT redirect real yield from Ethereum Mainnet to active DeFi participants on Katana, why they acquired the team behind IDEX to launch Katana Perps, and their roadmap to onboard major liquidity from CEXs like OKX and fintechs like Revolut who can route liquidity through Katana for yield.------

En este episodio final de Arquitectura de los Negocios, Susana Sáenz analiza cómo Wall Street ha leído la historia de Nubank: de su IPO a $10 dólares, su caída a $3 y su recuperación hasta $17, explicando qué hay detrás de esos movimientos junto a un analista de Citi. Más allá del precio, exploramos la guerra de tasas en México y la verdadera batalla que viene: la de la principalidad. También abordamos la creciente competencia de jugadores como Revolut y Mercado Pago y la gran incógnita: si Nubank puede replicar su modelo en mercados como Estados Unidos. Compra tu gorra o ilustraciones de Whitepaper aquí⁠Escucha nuestro newsletter diario "Whitepaper Hoy" en Spotify⁠Explora el futuro de la infraestructura financiera global en bridge.xyz

Oil above $100, Qatar's LNG infrastructure in ruins, and a 150-year-old grid buckling under AI-era demand: Sean Murray breaks down why energy has an L1 problem and how Fuse is building the crypto-native fix. --- Multichain Advisors is an emerging technology growth firm that has helped create over $50 billion in enterprise value for 80+ clients. Services include TGE support, go-to-market strategy, BD, partnerships, capital markets advisory, PR, media placements, and KOL activations. Visit https://www.multichainadv.com/ --- A $5 billion UK energy company built by Revolut alumni is about to launch a new token, and they already have an SEC no-action letter to back it up.  But the real story starts with the grid itself. European gas prices are running 50-70% above normal. Multi-billion dollar LNG facilities damaged in recent attacks could take years to repair. And a power grid designed 150 years ago is buckling under AI data centers, EVs, and renewables it was never built to handle.  Sean Murray, Fuse Energy's crypto lead, joins Steven Ehrlich to lay out why an estimated $70 billion in clean energy has been wasted because the grid can't move it, why that congestion problem mirrors crypto's own L1 scalability crisis, and how coordinating millions of smart home devices through a token-incentivized network could fix it. Host: ⁠⁠⁠⁠⁠⁠⁠⁠Steven Ehrlich, Head of Research, SharpLink Guest: ⁠⁠⁠⁠Sean Murray, Head of Special Projects & Crypto Lead, Fuse Energy — Previously part of the Revolut early team; now leading Fuse's crypto strategy and DePIN network launch for a vertically integrated energy company doing ~$500 million in annual revenue across the UK and Europe. Learn more about your ad choices. Visit megaphone.fm/adchoices