Gig workers make up a major share of the U.S. workforce—but many still face volatile income, constant cash-flow pressure, and financial systems that weren’t built for them.

Jay Millard, chief revenue officer at Ualett, joins Mary to discuss what banks and credit unions can learn from “some of the hardest-working people you will ever meet.” They also cover rising gas prices, the strain on gig workers, and where traditional underwriting falls short.

Show notes:

• Ualett

Subscribe to the Money Isn't Everything podcast here:
https://qrco.de/bgfV82

Chapters
[00:00] Intro + Final episode announcement
[01:07] Meet Jay Millard (Ualett)
[02:00] Gig workers feeling the financial pressure
[03:00] Stress, uncertainty & working more hours
[04:30] How gig workers find income opportunities
[06:00] Why fintech is missing the mark
[07:30] The size of the gig economy
[09:00] Building for underserved workers
[12:00] The reality of gig work today
[14:00] The banking system’s blind spot
[18:00] Rewards, cash flow & new solutions
[33:30] AI, tech, and the future of gig work

Send us Fan Mail

Financial advice hasn’t changed too much, but how people learn and build wealth has. Ronnie Green, CEO and co-founder of AlgoPear, talks about what’s different now in engaging younger consumers, how agentic AI is reshaping the space and where credit unions may be falling behind.

Show notes:

• AlgoPear

Subscribe to the Money Isn't Everything podcast here:
https://qrco.de/bgfV82

Chapters
[00:00] Intro
[00:35] From Living in His Car to Starting Over
[01:30] Learning How to Invest From Scratch
[03:47] Turning $5K Into $100K
[05:07] The Mindset That Changed Everything
[07:18] Why Saving Isn’t Enough
[10:01] Fixing Financial Education for Gen Z
[11:30] How AlgoPear Engages Young Users
[13:25] AI in Finance: Hype vs Reality
[16:13] Why Messy Data Kills Innovation
[20:17] Building Faster With AI
[31:33] TikTok & The Future of Learning

Send us Fan Mail

Banks and fintech brands are missing opportunities to build real connections largely because of how they communicate.

On the show today: Mary chats with Allison Netzer about the second edition of her book, “Think Like a Brand, Not a Bank." They explore what it takes for a brand to pop in a commoditized industry. Hint: jargon, complexity, and “busy” messaging aren’t the answer.

Show Notes:

Allison's Book: Think Like a Brand, Not a Bank

🔗 https://brandthnk.co/book/

Subscribe to the Money Isn’t Everything podcast here:

🔗 https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everything

Connect with Mary on LinkedIn:

🔗 https://www.linkedin.com/in/mary-wisniewski-3a7578b/

Connect with Allison on LinkedIn:

🔗 https://www.linkedin.com/in/allisonnetzer/

Send us Fan Mail