Office Hours: Apple’s Dependency on Wireless Carriers, Productivity, and the Buy Now, Pay Later Revolution

Scott answers a question about whether fintech disruptors like Klarna and Affirm have a responsibility to educate younger consumers on how to bank responsibly. He also shares his thoughts on how Apple can continue to vertically integrate, offers career advice to someone with a job opportunity in Berlin, and shares how he stays productive.

Music: https://www.davidcuttermusic.com / @dcuttermusic

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