I suspect that a generation of young male investors will suffer poor lifetime returns because they have become addicted to crypto/gambling and find 1… - Ramit Sethi

You can do it. All it takes is a plan. And it's really as simple as that.

Schwab rolled out a phenomenal high-interest checking account years ago that offered unrivaled benefits for free. They've honored it and improved it over time. I trust them and have a checking account with them.

There are many audiences you should not build a business around, simply because they will never buy. For example, any business that serves nonprofits is doomed. Nonprofits are not going to pay you. Neither will restaurants or students. Restaurant owners believe they're "too busy" for most services, and students are poor and want to spend their limited money on alcohol. A huge part of your success in business comes from consciously choosing who you're attracting and who you're repelling.