00:00 Introducing Al Goldstein: Enova, Avant, and StoicLane 01:18 What Al learned hosting 57 episodes of his own podcast 02:31 Trust, media, and the rise of creators as a news source 04:22 AI, critical thinking, and raising kids in this era 05:36 Alpha School, Y Combinator, and rethinking education 07:56 Inside Avant: mission, scale, and the credit builder product 09:23 How Al thinks about a potential Avant IPO 10:12 The new wave of fintech bank charters, including Erebor 17:24 Al's family story: Soviet Union to Chicago 19:32 Teaching STEM and math in the age of AI 22:13 AI inside Avant: 100x engineers and a mobile app rebuilt solo 23:57 AI voice agents now handle most of Avant's customer service calls 24:43 Building toward a "personal CFO" banking experience 28:11 The White House AI summit, Elon Musk's reversal on AI risk, and Jevons paradox 32:18 Does AI widen inequality between the curious and the complacent? 32:57 Midterms, populism, and the state of free markets 38:23 Inside StoicLane: rolling up accounting, payroll, and IT services with AI 47:46 Competition heats up as capital floods into AI services roll-ups 49:52 Comparing the model to industrial roll-ups like Brad Jacobs' 50:02 Avant's NASCAR partnership and closing thoughts
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