LAY/ERD isn't trying to turn you into an expert. It's here to close the gap between the money decisions you're making every day and the stuff nobody ever actually sat you down and explained.
Doesn't matter what you do — analyst, student, founder, whatever — you need to get personal finance. Not as a nice-to-have. As a baseline. That's what I'm writing about here, one perspective at a time.
And money and security kind of go hand in hand. Every account you open, every app you hand your balance to, every password you reuse — that's a security decision, not just a financial one. LAY/ERD covers both sides: the personal finance basics, and the security basics that decide whether any of it's actually safe.
My perspective on what's happening, plus interviews where I hand the mic to someone else. Each one's an episode.
1 episodeAnalysesHow a company, sector, or market actually works — the mechanics, not just the headline.
1 analysisPitchesThe case for or against holding something — thesis, risks, and the reasoning laid out so you can judge it yourself.
1 pitchTayo is a B.B.A in Cybersecurity student, a former AML Analyst, and the founder of LAY/ERD. I cover where finance and security overlap — the way money moves, what actually protects it, the mechanics behind fraud, and what all of that means for how you handle your own.
It comes in a few layers. Posts are the fundamentals — the stuff everyone should know but nobody gets taught. Views is more personal: my own take on what's happening, and conversations where I hand the mic to someone else, each one saved as an episode. Analyses is where I dig into how a company or market actually works. Pitches is where I make the case for or against holding something, reasoning included, so you can judge it yourself.
New posts, straight to your inbox. No spam, just the fundamentals.