Invest Like The Best — searchable YouTube transcripts & AI Q&A

How AI Is Repricing Every Software Company

Christina Cacioppo, CEO of Vanta, argues that token-based pricing for AI features is a losing strategy because customers will compare the markup directly to model costs, so Vanta absorbs token costs to focus on usage and deployment. She emphasizes that the real competitive advantage lies in data and integrations, and that companies must constantly ship new products and adapt to AI to survive. She also discusses the challenges of talent wars, the pressure to adopt AI, and the importance of building trust in an era of low trust in tech.

The World’s Largest Digital Bank Taking on America's Financial Institutions

Nubank's CEO argues that global financial services are still in the early stages of a digital transformation, with over 90% of the $10 trillion industry still flowing through incumbent banks. He explains that Nubank's cost to serve a customer is about 3% of a traditional bank's, enabling it to offer lower fees and better rates, and that AI will further multiply this efficiency. He also predicts that the end of cash and the rise of open banking will expand credit access to billions of unbanked people, and that stablecoins will help the US dollar remain a reserve currency.

How Founders Can Build the Energy to Do More | Andrew Huberman

Andrew Huberman argues that founders can sustain high energy by honestly assessing their sleep needs and training themselves to switch off thoughts at night. He recommends focusing on pure sensation, long exhales to slow the heart rate, and techniques that mimic rocking to forget limb position, which together help drop into sleep faster. He also predicts that non-invasive neural stimulation devices will soon allow precise control of brain states, but notes that current tools like caffeine and nicotine are blunt instruments.

Inside the Personal AI Assistant Growing 10% a Day | Instinct Founder

The founder of Instinct argues that the future of AI interaction is a simple, text-based personal assistant that can act on behalf of users across the internet, rather than a new app. He reports that the product is growing 10% daily, with users sharing credit card details within three weeks, and that the business model will likely be a transaction take rate, similar to Apple Pay, rather than a subscription. He emphasizes that the key to success is building trust through user control over data and proactive safety systems.

Why OpenAI and Anthropic Won't Win Finance

Rogo's founder argues that AI labs like OpenAI and Anthropic won't dominate finance because the real value lies in building vertical-specific infrastructure, not just raw model intelligence. He explains that success requires deep integration with messy workflows, compliance, and data systems, which labs are unlikely to build. He predicts that in 10 years, top financial firms will derive 90% of their enterprise value from software and data, not people, and that the biggest challenge is applying AI across the investment lifecycle.