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   Affirm CEO Says Businesses Are In Danger of Being Replaced
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   Plus: A dorm room side hustle making $500K+, Nissan CEO's guide for managing stress and the million-dollar business that gets kids off screens ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­
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                  <p style="font-weight: bold; font-size: 17px; margin-bottom: 6px; color: #111111;">
                   APRIL 18, 2026
                  </p>
                  <p style="font-weight: bold; font-size: 15px; margin-bottom: 10px; color: #0073e6;">
                   What's on deck today:
                  </p>
                  <ul style="margin-top: 0; margin-bottom: 0; padding-left: 22px; color: #333333;">
                   <li>
                    A dorm room side hustle making $500K+
                   </li>
                   <li>
                    Nissan CEO's guide for managing stress
                   </li>
                   <li>
                    Why being 'ready' is a trap
                   </li>
                   <li>
                    The million-dollar business that gets kids off screens
                   </li>
                  </ul>
                  <hr style="border: 0; border-top: 1px solid #e0e0e0; margin: 18px 0;"/>
                  <p style="font-weight: bold; font-size: 15px; margin-bottom: 10px; color: #0073e6;">
                   Market snapshot:
                  </p>
                  <ul style="margin-top: 0; margin-bottom: 0; padding-left: 22px; color: #333333;">
                   <li>
                    S&amp;P 500
                    <span style="color: green;">
                     ▲ 1.21%
                    </span>
                   </li>
                   <li>
                    Dow Jones
                    <span style="color: green;">
                     ▲ 1.77%
                    </span>
                   </li>
                   <li>
                    NASDAQ
                    <span style="color: green;">
                     ▲ 1.55%
                    </span>
                   </li>
                  </ul>
                 </div>
                </div>
                <p>
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                      <a data-hs-link-id="0" data-hs-link-id-v2="C913wbB3" rel="noopener" style="text-decoration:none; font-weight:bold; color:#000000" target="_blank">
                       The CEO of a $19.9 Billion Startup Says Businesses Are In Danger of Being Replaced — With One Exception
                      </a>
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                 <p style="line-height:150%">
                  Max Levchin, PayPal cofounder and CEO of Affirm, says companies are at risk of being swept away by
                  <a data-hs-link-id="0" data-hs-link-id-v2="LldXE+db" style="color:#2563eb" target="_blank">
                   the rise of vibe coding
                  </a>
                  — the new wave of using AI to build apps from plain-English prompts.
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  Firms without quality software are the most likely to be replaced. “I think companies that have built software and just sell that software are very vulnerable,” Levchin said. “If you really hate some piece of software that you’re using and the software doesn’t have some deep sort of proprietary data, proprietary source of value, it will get replaced. There’s no reason why not.”
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  Levchin, who now leads the $19.9 billion buy now, pay later fintech startup Affirm, told the
                  <a data-hs-link-id="0" data-hs-link-id-v2="S8LNl36I" style="color:#2563eb" target="_blank">
                   Sourcery
                  </a>
                  podcast earlier this week that AI could wipe out some companies that make software.
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  In that disruptive landscape, delivery apps like DoorDash stand out, he said. DoorDash employees have called every restaurant, negotiated with owners and extracted menus, all to create a seamless food delivery experience. DoorDash depends on real-world logistics, integrations and relationships — it’s not just an app.
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  “By way of having a great app, it’s important because it integrates with all your favorite restaurants,” Levchin said. “I think DoorDash is actually quite safe in their business.”
                 </p>
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                    <a data-hs-link-id="2" data-hs-link-id-v2="N/8Fmz26" style="color:#00a4bd; font-size:15px; font-family:Helvetica,Arial,sans-serif; Margin:0; text-transform:none; text-decoration:none; padding:12px 13px; display:block" target="_blank">
                     <strong style="color:#ffffff;font-weight:bold;text-decoration:none;font-style:normal;">
                      Read the full story →
                     </strong>
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                 <img align="middle" alt="Andy-Loveland" src="https://inboxflows.com/_/image/https%253A%252F%252Fhs-21266006.f.hubspotemail.net%252Fhub%252F21266006%252Fhubfs%252FImported%2520sitepage%2520images%252FAndy-Loveland.jpeg%253Fwidth%253D1160%2526upscale%253Dtrue%2526name%253DAndy-Loveland.jpeg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZocy0yMTI2NjAwNiIsInRpbWUiOjE3NzY1MTAzNzQuOTY2MTM4MX0:1wE3V8:_xT01PDJvIMa03c0cFDsL_AxteHUsJmu_Igq-nn5LXE" style="outline:none; text-decoration:none; border:none; max-width:100%; font-size:16px" width="580"/>
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                 <p style="line-height:150%">
                  In 2005, Andy Loveland and his wife were parents to a two-year-old son, Freddy, and expecting their second, Luke. It was an exciting time, Loveland recalls, but even two decades back, the U.K.-based father noticed a troubling trend. Kids were more connected to their screens than to the outdoors. And a lot of people just accepted it.
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  Loveland and his wife refused to surrender to a screen-based childhood. "We were going to make sure they spent as much time outside as possible," he says.
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  Around the same time, Freddy’s godfather, who lived in Germany, came across a pedal-less bicycle developed as a therapy tool to support kids’ physical and cognitive development. He gifted one to Freddy, who was too young for a traditional bike — and it was off to the races.
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  As Loveland watched his young son explore the world on the balance bike, which allows younger children and toddlers to push themselves with their feet while seated, he saw the product as a sort of “death knell” for the traditional first bikes manufactured with heavy steel and pedals.
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  So, in 2006,
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                   Early Rider
                  </a>
                  was born.
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                    <a data-hs-link-id="2" data-hs-link-id-v2="aP5hYLDG" style="color:#00a4bd; font-size:15px; font-family:Helvetica,Arial,sans-serif; Margin:0; text-transform:none; text-decoration:none; padding:12px 13px; display:block" target="_blank">
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                      Read the full story →
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                   Quick Hits
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                   Do This Today ✅
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                        Everyone can build a product now. The people who figure out
                        <a data-hs-link-id="0" data-hs-link-id-v2="wyRejsuQ" rel="noopener" style="color:#2563eb" target="_blank">
                         distribution
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                        are the ones who will actually win.
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                        The number of products, apps, tools, platforms and startups launched per week is overwhelming. Here is the 3-step solution to break through the noise:
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                         Treat distribution as part of the product from day one, not an afterthought after launch.
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                         Get genuinely good at one distribution channel before spreading yourself thin across all of them.
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                         If you hire for marketing help, hire for demonstrated distribution results in a context similar to yours, not for credentials or confidence.
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