People with disabilities are often treated as a niche. In reality, more than 1 in 4 adults in the U.S. live with some kind of a disability.

Today on the show, Mary chats with father-son founders Amit and Angad Sahgal of LetMeDoIt about why financial services miss this market and how their startup is using technology to support independence and design financial tools that work for more people.

Show notes:

• LetMeDoIT
• People With Disabilities: An Underserved And Untapped Market For Banks

Subscribe to the Money Isn’t Everything podcast here:

https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everything

Chapters
[00:00] Meet the Father–Son Founders of LetMeDoIt
[01:03] “Disability Is Not a Niche” — The 62–70 Million Market
[04:01] The School Story That Sparked the Idea
[06:09] What Is Supported Decision-Making?
[08:36] Where Financial Services Gets Disability Wrong
[11:13] Support vs. Supervision: Why Autonomy Matters
[13:05] Why Credit Unions Are Key to Financial Inclusion
[18:11] From Financial Education to Real Access
[22:29] The Caregiver Perspective & Financial Safety Nets
[27:06] What’s Next for LetMeDoIt?

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It’s January, and people are thinking about their money habits again. Mary talks with Andy Bandyopadhyay, PhD, founder and CEO at Attune Insights, about why financial institutions ought to seize the moment and encourage consumers to make financial health appointments at their branches. They chat about how financial health isn’t a tool or a tab and why PFM rarely changes behavior.

Show notes:

• Attune Insights

Subscribe to the Money Isn’t Everything podcast here:

https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everything

Chapters:
[00:00] Welcome to Money Isn’t Everything + Introducing Andy Bandyopadhyay
[01:05] New Year, New You: Why Financial Health Starts With Looking
[03:23] Financial Health Appointments & Using the Branch Differently
[05:32] How Credit Unions Can Pilot Financial Health Centers
[07:17] Why Personal Financial Management (PFM) Tools Failed
[10:57] Knowing vs Doing: Why Information Alone Doesn’t Change Behavior
[12:31] Access Barriers: When Financial Help Is Hard to Reach
[16:05] Measuring Outcomes, Not Just Engagement Metrics
[22:50] The Myth: Finance Employees Are “Fine” Financially
[31:49] The Future of Financial Health, Trust & AI

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Slowing down payments could be a selling point. On the show, Mary talks with Erik Beguin, CEO of Austin Capital Bank, about why friction can be a feature, not a flaw. Plus, they unpack the rising wave of fraud, how security and convenience clash and why it’s time to measure success by protection, not just profits.

Show notes
- Austin Capital Bank

Subscribe to the Money Isn’t Everything podcast here:
https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everything

Chapters:
[00:00] Fraud Is Exploding
[02:10] Why Fraud Numbers Are All Underreported
[04:45] The Emotional Trap: Denial & Embarrassment
[07:20] Seniors and the Bitcoin ATM Scam Surge
[10:15] Why “Education” Isn’t Stopping Fraud
[14:00] Pig Butchering: The Scam You Don’t See Coming
[18:30] Why Victims Stay Silent
[22:40] How Fraudsters Stay Ahead of Banks
[26:50] What Consumers Actually Need to Stay Safe
[30:30] Erik Beguin’s Call to Action

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