Podcast Index
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The Free Toaster
thefreetoaster
Shares for Beginners
Philip Muscatello - Australian Investor Education
美股早咖啡
Meng
Your Brain at Work
Neuroleadership Institute
Insurance Exam Prep
Ran Chen, EA, CFP®
Stay On Course: Ingredients for Success
Julie Riga
The Arena! Podcast
Hoody Frankliano
High Voltage Business Builders Podcast
Neil Twa
TBPN
John Coogan & Jordi Hays
Global Economic Press
Global Economic Press
NTD Evening News
NTD Evening News
SECRETOS DE UN EMPRENDEDOR
Streamla
3Bs Radio
3Bs Radio
Work On Your Game: Discipline, Structure, and Execution Under Pressure
Dre Baldwin
Artificial Intelligence Growth Architect | Connor with Honor | Real Estate Consultant
Connor T. MacIvor | Connor with Honor
吳淡如人生實用商學院
吳淡如
美商挖挖Wow
LA小丹丹
Web3 101
Web3 101
The Level Up Podcast w/ Paul Alex
Paul Alex Espinoza
Financial Home Stretch
David Polatis
Pathway To Retirement
Daniel Flores
Bitcoin Liberty Live
Fritz
Valuetainment
Valuetainment Episodes
Achievers Therapy
Kingsley Nwaekwe
LifeBlood
LifeBlood
7 Minute Leadership
Paul Falavolito
InvestTalk
Hosts Justin Klein & Luke Guerrero, CFA | Wealth Managers and Investment Advisors
Joel Bomgar on Bitcoin: The FB Live Audio
Joel Bomgar
Bloomberg Law
Bloomberg
Real Estate Exam Prep
Ran Chen, EA, CFP®
NZZ Akzent
NZZ
Commanding Morning
Peter Adekeye
No Vacancy Live!
No Vacancy Live
Dare To Shine Podcast for Inspiration
Pamela Geer
Ca$hMire de Pierre Couture
Pierre Couture
The Jas Johal Show
CKNW / Curiouscast
Digital Social Hour
Sean Kelly
Business
thefreetoaster
Klarna just filed to become a bank. They're the ninth major fintech since December, joining Affirm, PayPal, Upstart, Revolut, Bunq, Mission Lane, and OppFi. The OCC saw 18 de novo applications in 2025, nearly matching th...
In this solo News Pod episode, Carlos unpacks the story underneath Lending Club’s recent rebrand to Happen Bank. The story was covered in this week’s Newsletter: https://www.thefreetoaster.com/p/happen-bank-is-running-...
Carlos sits with Megan Bauer, Head Of Customer Success at Spinwheel, to discuss affiliate marketing & business lessons learned playing poker. ****** This episode is reposted from Spinwheel's Video Podcast - "What's You...
Nick and Carlos discuss an Editorial piece recently published in The Free Toaster Newsletter https://www.thefreetoaster.com/p/how-lenders-win-when-ai-calls-the The premise of the conversation -- an LLM-based personal ...
Most lenders underestimate how long it takes to get onto a major affiliate platform. The honest answer is 6 to 12 months. Sometimes 18. If one of these channels is on your 2027 roadmap, you need to start now. In this s...
Pagaya filed a lawsuit against Klarna for (allegedly) stealing is underwriting. Carlos & Nick discuss the implications for fintech marketers that share their underwriting policies with affiliate marketing platforms. Tod...
JD Power sued Chime in the Southern District of New York over its "America's #1 choice for banking" campaign, alleging breach of contract, trademark infringement, and false advertising. Carlos and Nick discuss, expanding...
We've been writing about Cash Flow Underwriting lately. This week we continue the conversation. We expand on what we wrote this week in The Free Toaster Newsletter: https://www.thefreetoaster.com/p/will-llms-solve-distr...
In an October 2024 article in The Free Toaster, Carlos laid out 3 things that would unlock distribution for Cash Flow Based Lenders. In today's episode, he shares the progress we've made on all 3 fronts over the last 18 ...
ChatGPT just integrated Plaid, giving 200 million monthly users a personalized finance experience built on real account data. Carlos and Nick break down what that means for affiliate marketing. Credit Karma's approval od...
Jeff Keltner was the first non-founder employee at Upstart. He spent over a decade there running consumer acquisition, building the bank partnership business from zero to ten banks, and managing both sides of the affilia...
Carlos and Nick break down NerdWallet's Q1 2026 earnings, the first full read on the company since the stock dropped 32% post-print. Headline numbers look fine on the surface. $222M in revenue, 6% YoY growth, $34M in non...
Wall St. sold off what seemed to us like a killer performance from SoFi in Q1 2026. Carlos, Nick, and special guests Rachel Lauren react to the earnings report. This news Pod expands on our reporting from this week's New...
Zak Ali runs the US business at Finder, the financial comparison site that started in Australia in 2006 and launched stateside in 2015. Lending now drives roughly 40–50% of Finder US revenue across personal loans, busine...
Nick Madrid interviews Carlos Caro live at the Fintech Summit in NYC on April 28th. On the heels of a Curated Table Event on April 27th (sponsored by Spinwheel), Nick bumped into Carlos at the Fintech Summit and did a ...
Carlos flies solo this week (Nick is wheels-up from NYC to SF after FinTech Week) to break down three stories from this week's newsletter: OnePay's no-deposit credit builder card, Credit One Bank's embedded integration w...
Carlos and Nick expand on the headline story from this week’s Newsletter. And they speculate on what this might mean for consumer lending distribution platforms. https://open.substack.com/pub/thefreetoaster/p/openai-do...
Carlos and Nick try to make sense of Wells Fargo's 60% YOY increase in new credit card customer bookings. They covered this story in Wednesday's Newsletter and they dig deeper into potential sources of their growth: h...
Rachael Olson spent years running product strategy on Discover's $6 billion personal loan business, and she joins the show to walk through a real lender's application from marketplace click all the way to the hard pull, ...
Carlos and Nick welcome Amanda Braslow to the show as the newest partner in the business and GM of events. Amanda brings fifteen years from Capital One, most of it in the co-brand trenches. Her first big project putting ...
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