Brad Stroh - entrepreneur and CEO (https://teapaw.org/t.co/nUk5zacvef & https://teapaw.org/t.co/PFsLZy20hp), advisor, author, coach, husband & dad. Getting better every day. Having fun!
San Francisco
Joined December 2008
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Fun chatting appreciation for our military, finance for veterans and how to level up on money. Thanks Anthem.
Conversation with Brad Stroh of Achieve youtu.be/p2l0N-fpEl0?is=j6vu… via @YouTube
Bradford Stroh retweeted
As AI becomes more accessible, execution may matter more than the algorithm itself.
Will Lansing, CEO of FICO, joins Eric Kutcher on The McKinsey Podcast to discuss leadership and competitive advantage. mck.co/481n7CY
Bradford Stroh retweeted
Ring season for @NULax 💍
The 2026 national champions celebrated their incredible season with new hardware 🏆
@NCAALAX x @NU_Sports
Bradford Stroh retweeted
Hiring exceptional people may be one of the most asymmetric investments a company can make.
A great person doesn’t just do their own job well.
They make better decisions. Solve harder problems. Raise the standard. Attract other talented people. Help the people around them get better.
One exceptional hire can create value far beyond a single role.
Investing in great people compounds.
Bradford Stroh retweeted
The difference between a $1M business and a $100M business:
How you delegate... The 6D Execution Brief...
Bradford Stroh retweeted
All employees come in 5 levels, choose wisely:
Level 1 - tells you there's a problem
Level 2 - tells you there's a problem and what caused it
Level 3 - tells you there's a problem, what caused it, and options to fix it
Level 4 - tells you there's a problem, what caused it, options to fix it, and which one they'd pick
Level 5 - tells you there was a problem, what caused it, how they fixed it, and future proof’d it
Bradford Stroh retweeted
Elon Musk on why his companies move faster than anyone else.
"I'm constantly addressing the limiting factor. Whatever the limiting factor is on speed, I'm going to tackle that. If capital is the limiting factor, I'll solve for capital. If it's not the limiting factor, I'll solve for something else."
He then said something most managers never figure out:
"If something is going really well and making good progress, there's no point in me spending time on it.The irony is if something's going really well, they don't see much of me. But if something is the limiting factor, they'll see a lot of me."
He spends his time entirely on whatever is blocking the next step. Not on what's interesting or what he's best at. But on whatever is the bottleneck right now.
Most leaders do the opposite... They gravitate toward what they're comfortable with and away from the hard problem.
Bradford Stroh retweeted
“If you cannot be corrected without being offended, then you’ll never truly grow in life.”
— Richard Feynman
Bradford Stroh retweeted
Interest on the national debt topped $1 trillion this fiscal year.
That’s $87 billion more than we spent on defense.
MMI's debt-plan enrollment just hit its highest since March 2011. 48% of Q3 clients arrived carrying a personal loan. The product sold as the way out of debt is now part of the debt people need help with. The industry has to answer for that.
Wild when the life raft needs rescued.
Bradford Stroh retweeted
I regret to inform you that everything matters. Small things become big things. You don't get to pick and choose when to show up, because the world will ignore your best and judge you for your worst. The one who brings energy every single day will win. Because everything matters.
One week. Five launches at @achievecom: Pro, Super Prime Digital, our MCP server, Credit Karma Lightbox, Plaid + Truv automations. Next month: Debt Optimizer, the biggest build in our history. Proud of this team — 2,200 people pulling in the same direction.
lnkd.in/p/gndz4Zvq
1 in 5 behind isn’t a blip. It’s the lagging indicator after the buffers ran out. Peak debt + elevated APRs + a cost of living that outran wages. We’re also seeing growth in debt relief and bankruptcy skew to Chapter 7: people are looking for release valves or parachutes . That’s exhaustion in a K-shaped economy.
BREAKING: 1 in 5 American families are behind on loan payments, the highest since 2010, per the Federal Reserve.
That’s up from about 12% in the Fed’s previous survey.
Families more than two months behind rose to over 8%, from 5% in 2022.
8.6% of families now spend more than 40% of their income on debt payments, the highest since 2013.
This is the bottom leg of the K in one chart. Losing the car isn’t a “lifestyle choice”—it’s how you get to work. When the Fed strips out energy and economists talk averages, families are stripping out mobility. The math stopped working years before they lost their car. Affordability and smart money decisions matter. It’s hard out there for millions of American.
🦔The poorest American families are giving up their cars. Among the bottom fifth by income, 59.4% owned a vehicle in 2025, down from 66.4% just three years earlier, according to the Fed’s Survey of Consumer Finances. The Fed says that’s the lowest share for that group in 20 years. Across all families, 19.6% fell behind on some kind of loan last year (a car note, credit card, mortgage or student loan), up from 12.2% in 2022.
My Take
Car debt overall shows only a slow rise in bad loans, so most of the pain falls on people at the bottom. Experian puts the average used-car loan at about $27,850, and a subprime borrower paying 19.1% instead of a prime borrower’s 8.8% pays more than double the interest for the same car. At that end, plenty of families lose the car to repossession or never replace one that dies.
The new federal tax deduction for car loan interest skips these borrowers completely. It only covers new, US-assembled vehicles, so someone paying 19% on a used sedan gets nothing while a new-truck buyer can deduct up to $10,000 a year in interest. Losing a car hurts more than a bad credit score, because for most of the country it’s how you get to work. Families who stop driving don’t show up in lender data at all, and for a lot of lower-wage workers it means a harder commute or fewer jobs they can get to.
Hedgie🤗
Bradford Stroh retweeted
BCG: "Global fintech revenues surpassed half a trillion dollars in 2025, growing 22% year over year. That also means fintechs outgrew traditional financial services four-fold and now account for approximately 4% of total global financial services revenue".
Bankruptcy filings rose 11.4% to 594,057… that’s up every quarter since mid-2022. Nearly 3 in 4 new filings are Chapter 7 liquidation, not repayment. People aren't restructuring debt anymore. They're walking away from it. That's what exhaustion looks like in a K shaped economy.