Fabian Geyrhalter:
Welcome to the show, Aleksandra and Katrin.

Aleksandra Medina:
Thank you for having us.

Katrin Kaurov:
Thank you for having us.

Fabian Geyrhalter:
Oh, I’m so thrilled to have both of you. Thank you both for making the time. I always love it when co-founders join. You are the co-founders of Frich, a financial literacy app for Gen Z or Social Finance for Gen Z, as you like to call it, that the money taboo and makes money a social topic on your site. You see the following, and I really like that, so I’m going to read it straight off your site. We dream of a world where everyone can feel confident about money regardless of the school they went to or the family they grew up in. Join us at Frich and let’s make money a topic that’s social and empowering. Katrin, you started working as a fashion model at age 14, and it basically got you around the world until the age of 20, which meant that you also became financially independent at a very young age, but it must have been super hard to make the right choices along the way at that age. How did this journey lend you and then both of you at NYU and why did you decide to enter the FinTech startup world?

Katrin Kaurov:
Well, first of all, I think neither of us really knew what we were getting back. We just started, well, as you mentioned, I started my professional career very early, so I just kind of naturally had to figure out what to do with my money, how to pay rent in different cities, how do taxes work? So I think I just developed a very early interest in personal finance, which I definitely didn’t call by this name as a 14-year-old. And then when me and Aleksandra met at NYU Abu Dhabi years ago, we became best friends, honestly, at first sight, which

Fabian Geyrhalter:
awww

Katrin Kaurov:
Really a lot of coincidence that we’re now building a company together. And I think one of the things that tied us together was that both of us had managed our money really early on in life, and both of us had been maybe surrounded by people who had more money than us, and we always had to keep up with them. And I think the fact that we didn’t come from a financial background really made us relate to an average ordinary user of someone who’s about to graduate, someone who just graduated and is trying to figure out how to invest, how to save, earn enough money. And I really think that, we didn’t even call it FinTech when we just first started. We were literally thinking, how can we figure out how young people manage their money? And I think it was very organically born from that.

Fabian Geyrhalter:
That is pretty amazing. So you feel, and I didn’t even think about that when you both traveled the world professionally, you had to pay taxes in different countries and go through all of this. I mean, that’s a huge ask, but you already answered my next question to a certain extent. I always say that if you have no business being in a business, get into that business. And I think that that’s exactly you right? You’re like, look, we didn’t even know the term FinTech, really. We just wanted to empower the next generation to start figuring out how can they deal with their money, which I think is exceptional. A big part of your reasoning for why rich demands to exist is how social media portrays financial success and makes most people, I would say, feel inadequate. So you raised the question, how do I compare to my peers financially in a world that is either closed about the topic or is misinterpreting the topic? You build the Frich app so anyone can compare their money habits to anonymous peers in their city. It’s very relatable. It’s like the same group of people. What gave you the confidence to believe that you’d be able to get Gen Zf to talk about this topic on your channel and app and give you all of the data? I’m just amazed. Was that something where you did some research or you just started with friends, or how did those first months go?

Aleksandra Medina:
I mean, I think I would very genuinely say ignorance is bliss. I didn’t realize how hard it was going to be when we started because it did start from such a personal problem and personal kind of wanting to resolve this for ourselves and our friends, like Katrin mentioned, we kept finding ourselves in situations where we were always surrounded by people that either had very wealthy parents or we’re so many steps ahead of us than we were financially. So we just had to figure it out for ourselves and we’re like, there’s no way. There’s no chance we’re the only ones stuck in this, right?

Fabian Geyrhalter:
Yeah.

Aleksandra Medina:
But the whole comparison thing, I would say it still is a very delicate thing to balance. I think because you brought up social media and you brought up this idea of comparisons, obviously we talk about a lot. It’s been a little bit of an uphill battle to try to argue that comparison actually can be good for you.
Because recently, which rightfully so when people speak of our want and need to compare ourselves to others in social media, it’s a very, very negative thing. You look at yourself, you look at your lowest moments, and then you compare themselves. Then you compare yourself to everyone else’s highest moments on social media, and you’re like, what is this disconnect? Why is my life so bad? And everyone else seems to be having bottles of rose and pizza, what is happening here? Right?

Fabian Geyrhalter:
Yeah, exactly.

Aleksandra Medina:
And I think that’s also why we wanted to spend the meaning of comparison for money is that, let’s actually talk about real comparison, not perceived comparison, but actually what does your bank statement look compared to someone else’s bank statement? Why are you seeing such discrepancies? Is it because people are racking up insane credit card debt? Is it because they have rich parents?
Is it because they actually eat ramen every single day and then blow money on these trips? And that’s why we wanted to first start this very, very honest conversation about what actually comparison means. Let’s level the ground and let’s have one place on the internet or just in general, just one place where we can very, very honestly and factually based on data, compare ourselves and then catch our own financial mistakes early and either correct our perception of how we’re doing compared to others, or if we do notice that maybe I am falling behind financially, I can catch that early on and then try to set myself up for success.

Fabian Geyrhalter:
And I mean, you have to ask a lot of questions to your users in order to successfully cater the app experience to them, because data is an important aspect of how your business can actually function in the way that it’s currently set up. And GenZe is rightfully so big into privacy, right, yet to give that data to you freely. How do you reassure them that, because I know you’re also a lot about transparency as a brand. How do you reassure them that their data is safe with you?

Katrin Kaurov:
I mean, very, very fitting for this podcast. I would say it’s our brand, right? We’ve put in so much effort building this brand, we’ve made sure that Frich as a brand sounds as a person, like Frich as a brand sounds like that friend that gives you tough love. And we put in so much work and effort to sound like your friend and sound like someone who is similar to you, which is why the whole unconventional background thing plays in our favors because we don’t sound like someone that has been working in finance for three decades. So there’s less of a fear that we’re going to be flipping your data in the market and selling stuff about you because we sound and we act like you and your friends. So what actually ends up happening is that the way we interact with our users, it starts as a conversation starter or it works as a conversation starter. So we ask a daily question on the app to our users. Like today we’re doing a theme about how do you handle money with your siblings? And today’s question is, would you Venmo your sibling for a dinner? Right? But it sounds like such a silly question, but it actually does start this conversation. Okay. But how do you deal with money and siblings or money in families and should, how much your siblings make? Or should you have honest conversations with your siblings of how much can you afford to pay for certain things?
Yeah, I would say that’s kind of..

Fabian Geyrhalter:
I think it’s fascinating because you ask real life questions, not questions that a FinTech would ask in a questionnaire.

Katrin Kaurov:
It doesn’t sound like a questionnaire. We ask you things like, I don’t know, would you marry someone for money? Doesn’t sound like a FinTech company collecting data on you and then selling it to a major bank to get a loan or something.

Fabian Geyrhalter:
And it’s interesting because usually when people answer these questions, they answer them on public platforms. So they have to skew their answer to be seen in the light that they want to be seen. And hopefully with your app, you get people to just really anonymously, basically tell you how they really feel. And I mean, that’s gold. That’s really amazing. How big is your team today? And do you do all the marketing, social, all the copywriting, all the content? I know that you talked about how important brand is, and it shows, right? I mean you can tell from the outside, I mean that’s why you’re here. Do you do everything or would you work with agencies currently? How are you set up?

Katrin Kaurov:
So we have a team of six people, and I would say it’s a really good mix between understanding Gen Z and understanding FinTech. So for example, our growth person used to lead growth at Bumble. So Obvious has super strong Gen Z understanding, but then someone we recently hired a product used to be an early Robinhood employee. So I think we really cover both sides very well. And I think that again, is something that makes us really unique. We do everything. We are a small team who’s been always grinding away to get to the goals currently. And I think that’s also important not to overhire and have too many people team, but rather have a small and tight team who really, really believes in the mission and is willing to wear multiple hats to make the startup goals happen.

Fabian Geyrhalter:
I look back at the days when I was running my agency and I only had six people, and then suddenly next thing I wake up to is 12 people. And I’m like, go, oh my God, how did that happen? And it’s my biggest advice to everyone. It’s like, don’t hire unless you really need to. So having a six people strong team with all of these amazing diverse backgrounds sounds remarkable. Did you create the brand image yourself? Did you work with a designer? Did you hire an agency? How did that come about? Because I know it’s super important to you, and we’ll talk about the name in a second too, don’t worry.

Katrin Kaurov:
So the brand was created. We actually, in the beginning we’re looking at some agencies, but then we just realized that there is nobody else who’s going to understand the brand as well as us. So everything has been created. And I think because it was created in-House, it became so integral to every single thing that Frich does. And I do think that the brand is something that people recognize the most about us from day one and something that really made us stand out and definitely maybe irritated investors in the early days, but later on they started to see the value and started to see what a strength that actually is,

Fabian Geyrhalter:
Which, yeah, let’s talk about it. So Frich, the name stands for Effin Ridge, which is hilarious. And the minute that I realized that, I’m like, I got to have you on the show, this is great. It’s like how did you come up with it and what made you, even more importantly, what made you decide that that’s the one to keep? Because obviously it comes with its own territory of potential issues.

Aleksandra Medina:
Yeah, good question. I think we definitely were brainstorming a lot of question or a lot of name options and how usually when you approach creating a brand, you do your market research and then you look at your competitors and you’re like, okay, everyone names companies this way and everyone uses Blue or green. Maybe we should look a little bit other so people understand what we’re doing. But it just didn’t make sense for us because we weren’t trying to be another neobank or another budgeting app. And honestly, when we came up with the name, it just made us laugh every single time. But I think the beauty of the name is that if we don’t tell you what it means, you probably won’t figure it out.

Fabian Geyrhalter:
It takes a little while.

Aleksandra Medina:
It takes a moment for you to figure it out, but if it clicks, if you get it, you won’t forget the name ever.

Fabian Geyrhalter:
So here’s how this works. Here’s Aleksandra and Katrin in their most amazing business outfit walking into the VC firm sitting down with this slide deck, and they’re five minutes in and they just look at each other. Did they figure it out yet or not? Do we have a chance? You’re like, Frich, Frich is a person. Frich is 22 years old.

Aleksandra Medina:
Yeah, no, it’s funny because you enter the room and you read the room, you’re like, are we telling them or are we not telling them this time? And depending on whether you tell the person or not, the conversation can be led in two different ways, which works in our favor of course, when we work with more legacy financial institutions. But if you’re having a chat with, I dunno, potentially user, the local credit union, or maybe you don’t mention it today, but it is so funny, the moment it clicks in that person’s mind, their face lights up and they can’t stop giggling, they’re like, oh my God. Of course. It’s so funny.

Fabian Geyrhalter:
And there’s something to be said, right? There’s something to be said. And it’s been used in branding and marketing so much, and I don’t even want to use the word anymore, but yet here it comes. But it’s delightful, right? There’s a certain delight that when you hear it and when you think money, and that’s what happens, you sit there with a glass of rosee and a pizza at Sunset, and you talk about who is effing rich and are we ever going to be that, right? And so I think it is really, there’s something about the name that no one would go with it, right? No one would be bold enough to go with it, and when you are that you’re doing something right. So that’s super cool. But now fast forward a couple of years later, because I think you started in 2021, right? Yeah. So a couple of years later, your app has over a hundred thousand users. You were featured in Forbes, TechCrunch, and of course the highlight and hitting the mark. No, and you’ve got a million in recurring revenue or above. What does the monetization model look like currently with Rich? Because obviously you’re making money, you need to make money, you have investors. How do you bring that back in?

Katrin Kaurov:
Yes. So I would say once we started Frich, we obviously knew that Gen Zers are bad with managing money. But then over time we realized that it’s not only Gen Zers are bad with managing money, it’s also brands and banks who are really struggling to acquire the younger demographic. And we realized that there’s such a huge opportunity in us really understanding Gen Z, understanding their spending habits, their preferences, and connecting them with the right banks and financial institutions and brands at the right time. So what we’re currently doing is almost like a subscription model, but with brands and with banks. So anybody who wants to get in front of Gen Zs, we can help them get in front of Gen Zs in a meaningful way. I think one of the things that has made Frich really special is that we’re not just a finance app who only partners with banks. We can also partner with dating apps with mental health apps because dating and money are correlated, mental health and money are correlated. We can partner even with food and beverage brands because also spending money on food is a huge problem for college students. So I think we’ve been very creative when it comes to our monetization model and creating, I would say, a really different and new ad model that really resonates with Gen Z.

Fabian Geyrhalter:
I think that’s really interesting. And in the end, I mean fast forward, that means that Frich can turn into anything it wants to in five years from now, basically, right? As long as it has to do with community. And it has to do with just living a positive life, which finance is most probably, people say money doesn’t make happy, but that obviously is not correct. You need just a certain platform upon which you can build your own satisfying life. So it seems like you can go into many directions with this, and this might be the beginning of it, which I think is really, really smart and super interesting thinking about where it can go.

Katrin Kaurov:
Yeah, absolutely. I think the way you can think about it also is that there are kind of different sectors that we’re hitting. One part is obviously that the whole financial industry is really outdated. The banks, the credit unions, the investment platforms, none of those are really created for Gen Z. And a lot of them, especially if you speak about credit unions and some community banks, they pretty much risk to go out of business if they’re not going to figure that out for themselves. But the same also goes to certain mental health apps, certain other brands, for them to stay relevant, they need to know how to be put in front of Gen Z in a meaningful way. And that’s where Frich steps in.

Fabian Geyrhalter:
And we talked a little bit offline before we started taping today’s show that I’m pretty involved in the credit union movement myself, working with several large clients in the space. And that angst, that fear of credit unions turning obsolete because it’s all about car loans and it’s all about things that are just not relevant for a financial organization that needs to constantly grow with the next generation. That conversation has been part of the credit union movement for the last 10 plus years. So that constant fear of how do we keep clinging on? And I think that that’s why having someone like you and hopefully more like you and making this more of a movement of how the next generation can actually be financially savvy across the board. And that’s not downloading Robin Hood. That’s literally in a very diverse way from all the questions that you ask.

It starts with how you invest and where you put your money, but it goes all the way of how do you spend it on a macro level every day? I think that credit unions have not been able to really capture that successfully, and I am a big advocate. I think that what they’re doing is actually absolutely noble and fantastic, and the world just doesn’t really know about them. It’s kind of like this underdog. So I’m glad that a FinTech like yours comes in and actually wants to partner with credit unions and shine a light on that entire movement.

Katrin Kaurov:
Yeah, I think last note on credit unions, there’s so much opportunity there. Although today only 4% of Gen Zers are using credit unions because most of them just don’t know what they do. There’s so much alignment. Credit unions are community based. They actually want to give back to community their personalized, they actually have better rates. There’s so many things that really resonate with Gen Zs, but I think there’s just no communication between the two of them because credit unions and Gen Zs live on very different platforms and very different worlds. So again, that’s kind of why we’re there to bridge the gap.

Fabian Geyrhalter:
Totally, absolutely. Hey, when you look back the last year or so, can you put your finger on when there was a breakthrough moment where you felt like, oh, our little startup idea is now turning actually into a brand that people really clinging onto and love and they start using it daily? And was there a moment maybe when you got your first round of investment or when something happened where you just got an email in both of you’re, I think that’s it. It’s like we made it.

Katrin Kaurov:
I think there have been a couple of moments. So I would say, I think there really have been two big moments. I think one of the first moments was when we first went with Rich on campuses, which was I would say already a couple years ago, and we just started getting traction on campuses. Students were wearing our merch who were acquiring a lot of ambassadors, doing tons of money workshop on campuses. And that was the moment when we realized that we’re resonating with Gen Z. But then from a business perspective, I would say it was really last summer when we figured out that other parts that we’re not just serving Gen Z, but we’re also serving the banks and the credit unions and the brands trying to understand Gen Z. And I remember super well one of the first conferences that we did that was kind of more corporate. And when I started talking about Fred, I was like, hi, my name is Catherine. I’m one of the co-founders. And I was like, Fred stands for Fucking Rich.
And I was at that point, okay, either I nailed it or I’m going to be eliminated from this conference. And I think at that point, our name really got out there, not just with Gen Zers, but also with banks and brands who really understood that there is nobody Frich out there, nobody has a brand like Frich, and nobody understands Gen Z the way we do. And that’s kind of the moment when our last funding round followed as well. So I think in a way that was more on the B2B side, a big breakthrough for us.

Fabian Geyrhalter:
I think it’s amazing that you went on the stage of your first big corporate event and you actually spelled it out. You might not do that today, but you did it back then. And I think that that must have shown you the ripple effects after that speech. Must probably must have shown you that doing something totally against the grain and going with something that most probably a lot of people would say, yeah, that’s not a good idea, is how you stand out. And I think that that’s most probably the moment where you really felt it. It’s like, oh yeah, it’s a little hard to get myself to say that, but the ripple effects afterwards, it was probably wonderful. So talking about the power of brand, it’s pretty amazing. What does branding, talking about the power of brand, what does branding mean to you both? And if you both want to answer, that’s great, but what does it mean to you now? Because it’s so misunderstood. People think like, oh, branding, it’s a logo, but now you lift it, you felt it how big it really is. What does it mean to you?

Aleksandra Medina:
Yeah, I mean, I would say earlier in the conversation you asked, oh, who writes all the copy? Who creates all the visual? Who comes up with all the questions? It’s one of us. So we are the brand for us, when we think of Frich, we think of what does branding mean for Frich? It’s the entire essence of Frich. And in the early days when we were trying to figure out, okay, we are trying to do this impossible thing. We’re trying to make talking about money cool and not awkward and not embarrassing and not a taboo, how do we do this? And the way that we went about it was we started thinking of Frich as a person. If Frich was my friend, who would this person be? How old would they be? What kinds of hopes and dreams would they have? Would we be friends?
What other friends would this person have? And that just helped us embody the company within us. Every time we do something, whether it’s just as simple as creating a pitch deck or it’s me writing out those questions that people see on the app every day, or it’s the newsletter or it’s the marketing campaign, it comes as a person is talking to you. And I think that makes the brand and the company and the product feel a lot more sincere rather than, like you said, just slapping on a logo every two years or how everyone loves to just change the background of their logo to pride colors for four weeks in Junior. Like, okay, cool, but why so meaningful? Are you actually deep? What was the reason here? Have you actually done anything? Are you actually standing for anything here? So that’s kind of how we think about the brand. It’s more kind of like brand is your personality in a way.

Fabian Geyrhalter:
I think it’s interesting because all of your personalities capturing Aleksandra and the other four team members, you are all to a certain extent or maybe all the way your brand archetype in a way, even though, but you still had to channel all of that to be one singular voice and one singular person so that when you write something, you’re like, well, is this Frich? Is this our voice? And this is something that brand consultants like myself do all the time with clients. And so I’m glad that you did it even though you’re such a small team that you could have easily had a cop out move where you’re like, we don’t really need it. We are already talking like that. But I’m glad to see that you put these guardrails on really, really, really early on. That’s great.

Katrin Kaurov:
Yeah, no, I’m happy we did it because I mean, this is something that is an ongoing back and forth. It’s what we discuss with our investors. It’s what we discuss with our partners. It’s what we discuss internally as a team. When we started in 2021, I was a couple of years younger than I right now, and whenever we create anything, it comes out of us because FR was created for us. It was created by us. FR is a reflection of who we are as people. So this Frich grow older as we grow older, or do we keep trying to bring in those insights of just a new group of 21 year olds or 20 year olds. So that’s also a very, very interesting mark that we’re trying to navigate of actually, if FR had a birthday, what year would it have been born? Right? Yeah. Is it frozen in time as a person or does it grow older as well? So that’s been an interesting development of the brand for the last year or so as well.

Fabian Geyrhalter:
It’s a super interesting development, and I give this a lot of thought with brands that I work with too, and I always compare it a little bit to TV series. In a TV series. Does the character grow older or not? Right? Do you still relate to the old character or not? But especially with you where you are so tight with one particular generation, will you keep bringing the next generation in and how do you do that and does the voice need to change? And then does your current tribe graduate after 10 years of Rich? Is that how it’s going to be? It’s really interesting to wonder and to kind of act accordingly based on your findings or based on your gut instinct of what the best direction is for it then. I mean, obviously you have to grow with the next generation in one way or the other.

Katrin Kaurov:
Yeah, I mean the future will show us, we’ll, see, how it ah..

Fabian Geyrhalter:
It’s a Philosophy.

Katrin Kaurov:
It’s a very philosophical question, right? It’s like, who am I?

Fabian Geyrhalter:
No, totally. I think it’s really, and it’s fun. It’s like who is this fictitious person that really is a brand that actually every day needs to function and bring in money? So yeah, no, it’s a fantastic question to ask. They’re talking about fantastic questions to ask. Here comes one of them. I always ask every single founder on my show that one question, and I usually give people a heads up that it’s coming because it’s something that is also very deeply rooted in philosophy. If you would take the entire Frich brand, let’s say it’s Frich, the person, and you really come up, it comes down to that essence of if you could describe Frich in its entirety, what is one word that could describe the brand? You think about Everlane and its radical transparency, and you think about different brands, they all have this or Zappos is like, wow. It’s like wow service or whatever they come up with right now. But it’s that idea that’s the essence, and it’s not shoes, right? For you, what could be one word that describes Frich as a brand?

Katrin Kaurov:
I would say it’s truth behind everything that we’re showing their users is the fact that Gen Zers are sick of all the illusions they see on social media, everything you see on TikTok and Instagram, how everyone pretends to have their lives together when in fact they don’t. And Frich is that one place where they can come for raw truth and reality check. So that would be our answer.

Fabian Geyrhalter:
I really like that. I think that’s great. And it’s such a big brand pillar to live up to too, because it’s going to go through everything you say and everything you do. That idea of it, it is based on truth, which goes back to you acting with transparency with everything you do, including partnerships, et cetera, et cetera. So it’s really, it’s such a great platform upon which you can keep building. It’s great. Do you have any piece of brand advice? Because I give brand advice 24 7, and I would love to hear it from you instead. Do you have any piece of brand advice for maybe founders or for marketers or for anyone out there as a takeaway of maybe something that you learned over your brand building journey or even your life, right? Because in a way, even when you were modeling that very much is creating a personal brand or becoming a brand for your client, for publication, et cetera, et cetera. Any advice is very welcome. The floor is yours.

Katrin Kaurov:
Yeah, I mean this is, it’s hard I think to give just general advice, but without quite long about this, what would we actually give as advice so that it’s actually helpful to anyone? I feel like if anyone who’s like an early stage founder or trying to build something new, I think it is definitely worth the time to think about what the brand is. And I think you should truly try your best to fall in love with your brand because in the early days, you are equal to your brand. There’s almost no distinction between who you are or your brand, especially if you’re out there fundraising or hiring or selling your product. You’re always selling, you’re selling, you’re selling, you’re selling, and you’re trying to present you your brand in the best possible way. So if you don’t fall in love with your brand, if you are unable to love it, why would anyone else love it?

Why would anyone else spend nine hours a day working for you? Or why would anyone give you a million dollars? Or why would anyone use your product, trust you with really, really personal data? How can they love it? The creator of it? You, the person that supposedly believes it the most, if you don’t fully love it. So if something in your gut feels a little bit off, I think it’s worth taking the moment and thinking, are you really putting out there the best representation of you, your product, your company, your team? And the truth is every single brand gets, I don’t know, what is it, like 0.2 seconds or something of attention. So if it’s not great, no one’s going to give you another shot or no one really is going to care.

Fabian Geyrhalter:
I think that’s fantastic, fantastic advice from the heart. And it is something that is being lost a lot in the every day. And so I think that you thought deep about that advice, and it’s something that really people should take to heart more often. What’s next for the Frich brand, besides everything, but what are you excited about in the next, let’s say six months? What’s coming up?

Katrin Kaurov:
I think one of the things we’re actually really focused with the brand is really taking it nationwide. So making sure that every Genzer in the US knows about what FR is. Everybody knows that they can come to FR for raw real truth around money, and really just taking everything to the next much bigger scale. So really, really excited to do more tv, go marketing wise nationwide, and make sure that our brand is just not known within certain colleges or certain startup circles, but it’s really kind of like a household name among Gen Zers

Fabian Geyrhalter:
Tv. Wow. I’m excited that’s, it’s going to be such a cool ride to see you both and to see Frich grow over the next months. I’m super excited for what’s around the corner. How do you want people to get in touch with you? How can people follow you either personally or how can they get to know Rich?

Aleksandra Medina:
Well, you all now know how Frich is spelled F Rich. So you can find us on the app store and then if you want to find a website, it’s GetFrich.com. So get fucking Rich together with us and you can subscribe to our newsletter and you’ll get all the insights, all the spicy questions we ask people, all the recommendations we give our young readers. But if you want to connect with us personally, and I’m Aleksandra Medina, so you can find us on LinkedIn or anywhere else, honestly. And if you have any spicy money questions you want to know the answer to or you want to know how people actually behave around these things, you can email the question at hello@getfrich.com and then we’ll feature it on that.

Fabian Geyrhalter:
It’s an anonymous tip line,

Aleksandra Medina:
Anonymous tip line, ask whatever you ask away, we’ll give you all the spicy money insights.

Fabian Geyrhalter:
That is fantastic. That is awesome. Well, hey, listen, Aleksandra and Katrin, it was such a pleasure having both of you on the show for a good almost 40 minutes of your day, which I’m sure things are crazy hectic on a daily basis. So thank you so much for your time. But more importantly, thank you so much for your insights. This was really, really enjoyable.

Katrin Kaurov:
Thank you so much for having us. It was really a great chat. You ask really insightful and great questions.

Fabian Geyrhalter:
Well, thank you. I appreciate it.