Welcome to the Tearsheet Podcast. I'm Tearsheet editor in chief, Zack Miller. This article was sent out to subscribers to EarlyStage, Tearsheet’s newest newsletter. With EarlyStage, we go deeper on some younger companies that point to trends, products and services, and entrepreneurs that should be on your radar screen. Into a sea of sameness, new challenger banks are launching left and right. More are focusing on demographic needs, like providing banking services to the LGBTQ community or to immigrants. Better Financial, on the other hand, addresses a problem the majority of Americans know well: financial shocks. It could be losing a job or getting sick. Better Financial has embedded insurance products into its banking platform that provide a safety net for when something unexpected happens. It all happens behind the scenes. Thiel fellow and founder Kaushik Tiwari is my guest today on the Tearsheet Podcast.