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In this episode Rex chats with Sheel Mohnot from Better Tomorrow Ventures. Sheel shares his journey of living on a dollar a day in India, founding and selling multiple companies (including one sparked by a chance meeting on a train), and even hosting nine weddings—one of them sponsored by Taco Bell in the metaverse. They dive into Sheel’s evolving personal finance stack, from traditional banks to Robinhood’s gold credit card, and discuss why consumer fintech is suddenly exciting again. Sheel also unpacks how AI-driven solutions are transforming bookkeeping, mortgage operations, and more. From vertical SaaS insights to San Francisco’s culture of radical experimentation, this conversation is a whirlwind tour of where fintech is headed. Sheel: / smohnot 00:00:00 - Introduction 00:01:00 - BTV Office & Life Above Work 00:02:46 - Microfinance & Typhoid Stories 00:04:01 - Half-Billion Domain Startup 00:05:13 - Nine Weddings & Taco Bell 00:06:28 - Building a Modern Finance Stack 00:08:14 - Credit Cards & Margin Lending 00:10:24 - Bank Inefficiencies & Chime’s IPO 00:11:33 - Consumer Fintech: Lessons & LTV 00:15:50 - B2B Focus & Early-Stage Strategy 00:19:15 - AI in Services: Accounting & Mortgage 00:23:07 - Vertical SaaS & Embedded Finance 00:31:10 - AI’s Impact on Low-Margin Services 00:33:34 - Doing More with Less & Moats 00:40:01 - Regulatory Shifts & SF’s Future ___ Connect with Rex on social media: LinkedIn: / rexsalisbury Twitter: / rexsalisbury TikTok: / rex.salisbury Instagram: / rexsalisbury