What School Didn’t Teach Me—But Life Did

By Daniel Kivatinos

School teaches you how to think in a structured way. It shows employers that you can commit to something long-term, follow through on tasks (complex or not), and be hireable. But the real lessons that shaped my life? Those came outside the classroom.

High school was rigid—limited in choice and heavily structured. Still, I managed to find some freedom through an art program. There, I explored fonts, learned about famous designers, and gained the foundational skills that would later help me think like an industrial designer. Beyond the academics, the social aspect of high school was one of the biggest takeaways: I made friends, I learned to navigate people.

After that, I attended Nassau Community College, where I continued my path in the arts. I took a lot of art classes, exploring what it might look like to build a career as an artist. Getting an associate’s degree bought me time—time to figure out what I wanted to do with my life without the immediate pressure of declaring a major. I also experimented with a wide range of courses—microbiology, history, film, art—all of which broadened my view of the world.

Music was always a passion of mine. I never studied it formally, but I played in bands and even went on tour briefly. I loved it, but I was wary of pursuing it full-time. It was a competitive path, and the landscape was changing fast with things like Napster disrupting the industry.

Eventually, I transferred to Stony Brook University, which was a pivotal moment in my life. It was there that I dove deep into areas I’d never explored before—like the detailed history of China. I took on two majors: psychology and computer science. That combination gave me a unique perspective—one from the human side, studying things like the DSM and behavioral patterns, and one from the technical side, understanding computer theory, RAM, servers, networks, and languages like Java and Modula-3.

But the most valuable thing Stony Brook gave me wasn’t found in the curriculum. It was the social structure—learning how to build friendships, form study groups, and collaborate on hard problems. Chemistry, algorithms, computer science—none of these subjects would’ve made sense to me without peers to decode them with. We taught each other what lectures couldn’t. That’s how I really learned.

I spent time in the Math Learning Center. I got tutoring for physics and chemistry. I took advantage of every resource I could find. And in the process, I found my first co-founder—someone I met in the dorms who was a phenomenal programmer. Together, we built the world’s first iPad-native medical records system: DrChrono. That product would go on to impact millions of patients and providers. It all started because of a chance meeting in college.

Many of my friends from those years went on to do amazing things—running school networks, becoming programmers, entering medicine. Staying in touch with them has been its own form of lifelong education.

What school didn’t teach me was how to rigorously solve unstructured problems. That came from life. I had to figure out, on my own, how to find the right people and resources to help me get unstuck. That experience—of finding answers outside of the classroom—is what prepared me for startups.

I learned how to build teams, how to lean into people’s strengths. But one thing no school could have taught me is grit. You either have it or you don’t. The ability to work on a problem for years, even when it’s hard—that’s something you cultivate through experience.

School also didn’t teach me how important culture is in life and startups. You want to surround yourself with optimistic, smart, supportive people. Negativity is toxic. In Silicon Valley, one of the superpowers is this intense belief that you can build something amazing—and people will rally around you to make it happen. That kind of cultural momentum gave us things like Instagram, Uber, DoorDash, and YouTube.

I do wish college had done more to help me figure out what to specialize in. I picked psychology and computer science somewhat organically, but I had no real exposure to business, finance, startups, or venture capital. After graduation, it was all trial by fire. No one told me how to run a company, how to manage a cap table, or how to incentivize a team. I had to learn it all— accounting, taxes, fundraising and so much more—on the fly.

Another thing school never taught me: how to trust my intuition. Whether you’re making art, writing music, or launching a company, you have to learn to listen to your inner compass. That’s how you build a life you actually want to live.

I don’t chase money. I try to build things that matter. Life evolves. Every decade brings a new challenge: startups, friends, change, marriage, family, joy. School didn’t prepare me for those pivots, but it gave me the foundation to keep learning.

I’ve adopted a mindset of Kaizen—continuous, incremental improvement. I talk about it often. Whether it’s learning an instrument, learning a new skill or something, nothing happens overnight. You build skill over time. The same goes for business, leadership, and even relationships.

Once I started my first company, I had to pick up practical skills fast: accounting, taxes, raising capital, managing investors, helping customers. And I learned to never stagnate. You’re either growing like running water or going stale like a still pond.

A few tricks I picked up along the way:

  • Go on long walks with friends and founders—ideas come out of movement. It gets people out of their reptilian brain
  • Keep workout gear nearby for stress relief.
  • Make time for family—it keeps you grounded.
  • Prioritize your health.

Warren Buffett once said: imagine if you were given one car for life—you’d treat it with the utmost care. Your body and mind are that car. You only get one. Maintain it.

These are just a few lessons I’ve learned—some in school, most outside of it. The system isn’t perfect, but if you stay open, curious, and persistent, life becomes the best teacher you’ll ever have.

Building JustPaid: A Startup Journey

By Daniel Kivatinos

When it comes to launching a startup, timing, team dynamics, and vision are everything. As go through 2025, the AI landscape is opening up new possibilities—and new challenges. This post is a reflection on how we started building JustPaid, the lessons we’ve learned along the way, and why we believe the future of finance, accounting, accounts payable, accounts receivable needs a serious upgrade.

The Right Team at the Right Time

No great company is built alone. It takes a team.

When I started thinking about starting a new company, what matters is finding people who complement your skills, challenge your assumptions, and bring different perspectives to the table and can work on problems for years.

If everyone thinks one way like Henry Ford in a new startup, you just build another gas-powered car. Innovation needs friction—and diversity of thought, that was what I was looking for.

Serendipity and Brainstorming

The first spark came from reconnecting with Vinay, who is now my cofounder now, he was a brilliant engineer I’d worked with in the past. He had moved to Silicon Valley a few years ago, and was hungry to build something meaningful, something he could be proud of. We started meeting regularly—brainstorming ideas from AI tools for farming to software for funeral homes. Nothing stuck at first, but we kept showing up, talking and thinking.

Then, seemingly out of nowhere, I got a message from Anelya Grant. She wanted to start something too. We’d worked together years earlier, and I knew how much energy and clarity she brought to every project. During our first conversation, she laid out a vision that immediately clicked for us all. I felt real conviction—we had found a problem worth solving.

Reconnecting with Talent

Anelya had built a fractional accounting firm long before that became a buzzword. She had worked with breakout startups like TaskRabbit, Segment, Parse, DrChrono and had the grit and intuition that’s rare to find. Years earlier, we’d moved on from working together as I scaled my last company and brought in a full-time CFO. But I never forgot her passion for building things.

After selling my previous company, I knew my next move needed to be with the right people. And it turned out, they were already in my network.

Getting into Y Combinator

Once our team was aligned, we all wanted to apply to Y Combinator. I’d been through the accelerator before, and I knew what it could do for an early-stage startup—access to world-class advice, community, and credibility.

After a high-stakes interview, we got in. That moment was powerful. It validated what we felt in our gut: that there’s a massive need for smarter, automated financial workflows—especially around revenue.

The Vision: Fixing the Most Overlooked Part of Finance

Most founders don’t talk about it, but collecting revenue is brutal.

You can build the best product in the world, but if you don’t get paid, you don’t survive.

Our goal is to build an AI-powered accounts receivable agent platform, with so many layers in it, some parts being Contract AI, Payments AI, Reminders AI and Collections AI. One that helps startups automate contracts, track payments, and follow up without a human chasing every email, text or phone call.

Think of it as your tireless collections team—except it runs 24/7 and never forgets a follow-up.

The Accounting Talent Crunch

Here’s the reality: fewer people are going into accounting, even as more startups are being formed. That imbalance is creating a cost squeeze. Founders either pay top dollar for elite accounting help—or hire inexperienced talent, they try to do it all themselves and burn out.

We are here to level the playing field.

We’re democratizing access to revenue automation, so startups can stay lean and still collect what they’re owed. Small or no finance team? No problem.

Earning Trust in a Crowded Market

When you’re building something new, trust matters.

We’re lucky to have backing from Dropbox and Kleiner Perkins—two names that open doors among so many amazing investors. Their belief in our vision helps us build trust with customers.

And we’re not hiding behind the curtain. We believe in building in public, sharing our updates, and letting people see who we are and how we work. That transparency is part of the brand we’re building.

Looking Ahead: AI Isn’t the Future—It’s the Now

AI will be at the heart of how businesses run.

We’re leaning into that shift—hard. Our AI agents won’t just send reminders. It’ll talk to clients, manage contracts, and help founders stop worrying about cash flow.

Imagine closing a sales deal and knowing your AI will handle everything from invoice to collection. That’s where we’re headed.

Constraints Make Us Stronger

Every startup faces constraints—resources, time, people. But that pressure forces creativity.

Companies like Walmart thrived by embracing limits and finding efficiencies others missed.

We take the same approach. Kaizen. Continuous improvement. One foot in front of the other.

Every week, JustPaid gets a little sharper, faster, and more useful. We release updates consistently, daily and weekly.

The Road Ahead

This journey has already been full of learning, growth, and meaningful connections.

We’re not done—not even close. The mission is simple: make finance, accounting and revenue collection radically easier.

If you’re curious about what we’re building, let’s talk.

This next chapter in AI is going to change everything.

We’re ready.

Essential Insights on Finding Cofounders, Attracting Investors, and Gaining Users

Starting a new venture can be overwhelming, especially when it comes to finding the right cofounders, attracting investors, and securing users. This blog will outline key strategies and insights to help you navigate these challenges effectively. Let’s dive into the critical components that can set you on the path to success.

Understanding Your Priority: Customer Validation

The first question you should ask yourself is, “Do you have one customer using the product?” If the answer is no, it’s time to reassess your approach. Gaining that initial customer is crucial. It validates your product and gives you a foundation to build upon. Without users, your startup lacks the necessary feedback and momentum to grow.

Focusing on the smallest possible customer can expedite your sales cycle. Smaller clients are often more willing to engage and provide feedback, making it easier to iterate and improve your product. This approach allows you to gather essential data that can guide your development process.

The Catch-22 of Investor Expectations

Investors often judge startups based on their online presence. This can create a catch-22 situation: you need a polished website to attract investors, but spending too much time and money on it can divert your attention from acquiring customers. Instead of investing tens of thousands in web design, consider using a simple, professional template that conveys your brand effectively.

Utilize platforms like Webflow to create a website that looks good without breaking the bank. Remember, your primary goal should be to get customers, not just to impress investors.

Learning from Successful Companies

Take inspiration from successful companies in your industry. Analyze their websites and branding strategies to understand what works. Look for companies that have recently raised funds or achieved significant milestones. What do their websites convey? How do they present their products? This research can provide valuable insights into effective branding.

For instance, companies like DataDog and Dropbox started small and gradually moved upmarket. They focused on building a solid foundation with initial users before expanding their reach. This strategy allowed them to gather critical feedback and refine their offerings.

Targeting the Right Market

When considering your target market, it’s essential to start small. If you aim for larger enterprises from the get-go, you may face long sales cycles and bureaucratic hurdles. Instead, focus on smaller clients who can provide quicker feedback and revenue. This approach not only helps you validate your product but also allows for rapid iteration.

Engaging with smaller clients often leads to quicker sales and more manageable relationships. Larger companies may have extensive procurement processes that can delay sales for years. By targeting smaller clients, you can minimize the risk of stagnation and build your customer base more effectively.

Building a Strong Cofounder Relationship

Finding the right cofounder is crucial for your startup’s success. The relationship you establish will shape your company culture. Look for someone who complements your skills and shares your vision. Trust your instincts when evaluating potential partners; if something feels off, it may be a red flag.

Consider doing a trial period together. Work on a project for a month to see if you mesh well. This approach allows both parties to assess compatibility before fully committing to a partnership.

Trust and Compatibility Over Perfection

Every startup team is unique, and you may not find a perfect cofounder. It’s important to prioritize trust and compatibility over technical perfection. A cofounder who is hardworking and humble can contribute significantly to your startup’s success, even if they aren’t the most technically proficient.

Remember that the startup journey is about growth. Both you and your cofounder will learn and evolve together. If you can achieve product-market fit with a few users, that’s a promising start.

Iterate and Adapt Based on User Feedback

Your primary focus should be on developing a product that meets customer needs. If you find one customer, prioritize their satisfaction. Happy customers can lead to referrals and organic growth.

Use feedback from your initial users to make necessary adjustments to your product. This iterative process is vital for refining your offering and ensuring it resonates with your target audience.

Final Thoughts: Embracing the Journey

Starting a business is not just about securing funding or attracting users; it’s about building relationships and creating a culture that fosters growth. By prioritizing customer validation, understanding your market, and nurturing strong cofounder dynamics, you can set your startup on a successful trajectory.

Remember, even the most successful entrepreneurs faced challenges and setbacks. Stay committed to your vision, learn from your experiences, and adapt as needed. The road may be rocky, but with determination and the right strategies, you can navigate the startup landscape effectively.

Understanding Startup Success: Insights from Experience

Starting a business is a journey filled with ups and downs, and the key to success often lies in understanding the lessons learned along the way. In the world of startups, many entrepreneurs grapple with the question of what truly makes a venture successful. From personal experiences to insights from mentors, this blog will explore the essential elements of startup success and the importance of perspective in navigating the entrepreneurial landscape.

The Reality of Startup Success Rates

One of the most sobering truths shared by experienced entrepreneurs is the stark reality of startup success rates. A friend of mine, who has a wealth of experience in the startup world, often reminds me that only one in ten startups will ultimately succeed. This statistic, while seemingly arbitrary, underscores the unpredictable nature of entrepreneurship. It’s a numbers game, and understanding these odds can help set realistic expectations.

Young entrepreneurs, especially those embarking on their first venture, often approach their startups with enthusiasm and ambition. However, they may lack the perspective that comes with age and experience. Conversations with older generations reveal a wealth of knowledge about what truly matters in life and business. These individuals place a higher value on personal relationships and quality of life, often emphasizing the importance of enjoying simple moments, such as a walk on the beach.

Life Perspective: The Value Beyond Success

The hustle culture prevalent in America often glorifies relentless work and ambition. However, those who have lived longer often appreciate the significance of family, health, and personal well-being. Visiting grave sites of influential figures like Steve Jobs reminds us that life is fleeting and that success is not solely defined by wealth accumulation. The true value lies in how we spend our time and the relationships we foster.

Consider the hypothetical scenario where you are offered $10 million, but it comes with the condition that it’s your last day on earth. This thought experiment highlights the immense value of time and experiences over monetary wealth. Startups should not just focus on chasing financial success; they must also recognize the importance of building a fulfilling life.

Startups Are Ephemeral

Startups, like life, are ephemeral. The average lifespan of a company on the S&P 500 is less than 20 years. This fact serves as a reminder that even the most successful companies face challenges that can lead to their decline. Founders must remain aware of this reality and prioritize sustainability in their business models.

As I reflect on my journey, I find that the little things in life are what truly matter. Whether it’s enjoying a morning cup of coffee or taking a walk in nature, these moments contribute to overall happiness and fulfillment. In the fast-paced world of startups, it’s crucial to carve out time for these simple pleasures.

Building Relationships: The Foundation of Success

Creating a successful startup is not just about the product; it’s also about the people behind it. Building a diverse team with various perspectives can lead to innovative solutions and a more inclusive work environment. My own experience has taught me the value of surrounding myself with individuals who inspire and motivate me.

When starting my first company, I partnered with a talented developer I met in school. Our friendship and mutual belief in each other were instrumental in our success. Having a supportive network of friends, family, and colleagues is crucial for navigating the emotional rollercoaster of entrepreneurship. The relationships we cultivate can significantly impact our motivation and drive.

The Importance of Asking for Help

Many people hesitate to ask for help or seek guidance, but this can be a critical mistake in the startup world. Whether it’s reaching out to a mentor or collaborating with peers, asking for assistance can open doors and provide valuable insights. As I’ve learned, there’s no harm in reaching out; you might be surprised by the support you receive.

Every founder faces challenges, and sharing experiences with others can lead to new ideas and solutions. Regularly connecting with friends and colleagues can help maintain a sense of balance amidst the pressures of running a startup.

Finding Balance: Work and Personal Life

As my day unfolds, I prioritize my morning routine, which includes a walk with my wife and our dogs. This time allows me to clear my mind and prepare for the day ahead. While the startup life can be overwhelming, I’ve learned to embrace flexibility in my schedule, allowing for breaks when needed.

Maintaining a healthy work-life balance is essential for long-term success. I’ve discovered that taking time off to recharge and reconnect with family and friends is vital to sustaining motivation and creativity.

Iterative Learning and Improvement

In the world of software development, iteration is key. The ability to gather feedback and make incremental improvements is what sets successful startups apart. My team and I constantly strive to refine our product based on user feedback, ensuring that we address pain points and enhance the overall experience.

The iterative process allows us to stay agile and responsive to customer needs. While it can be frustrating to navigate constraints, these challenges often lead to innovative solutions and stronger products.

Sales: The Lifeblood of Startups

Sales are crucial for any startup, and understanding customer needs is paramount. Engaging with potential clients and refining our offerings based on their feedback keeps us grounded in reality. The pressure to deliver results can be intense, but it’s essential to remember that every interaction provides valuable insights for future success.

While some companies may have the luxury of raising significant funds, it’s important to focus on building a sustainable revenue model. Startups should prioritize customer acquisition and retention, as these metrics are vital for long-term success.

Learning from Competitors

Observing competitors can provide valuable lessons, but it’s essential to maintain focus on your own goals. Companies like Dig and Reddit exemplify how differing strategies can lead to vastly different outcomes. While Dig raised significant funds and attempted to innovate, Reddit’s steady growth and simplicity allowed it to thrive.

Startups must learn to navigate the competitive landscape while remaining true to their vision. It’s easy to get distracted by the allure of rapid growth, but sustainable practices and a clear understanding of customer needs will ultimately lead to success.

Building Value Through Software

As we build our software product, we aim to create a solution that simplifies financial processes for our clients. Our vision includes developing an AI-driven accounts receivable agent that automates billing and enhances user experience. The goal is to allow businesses to focus on their core mission while we handle the complexities of invoicing.

By leveraging technology, we can streamline processes and create a more efficient environment for our clients. The future of finance lies in innovation, and we are excited to be at the forefront of this transformation.

Conclusion: Embracing the Journey

In conclusion, the journey of building a startup is filled with lessons, challenges, and opportunities for growth. By embracing the importance of relationships, maintaining perspective, and focusing on iterative improvement, entrepreneurs can navigate the complexities of the startup world. Remember, success is not just about financial gain; it’s about creating value, fostering connections, and living a fulfilling life.

As I move forward in my entrepreneurial journey, I remain committed to surrounding myself with inspiring individuals and continuously learning from my experiences. The road may be challenging, but with the right mindset and support, the possibilities are endless.

Join JustPaid.io: A Unique Opportunity for Developers – Do our Hackathon challenge

At JustPaid.io, we’re on a mission to revolutionize accounts receivable (AR) through innovative technology. As we expand our team, we are looking for exceptional engineers who are eager to contribute to the future of AR revenue. This blog will delve into our vision, the role we are hiring for, and the exciting hackathon challenge we have designed for prospective candidates.

Understanding Accounts Receivable (AR)

Accounts receivable refers to the outstanding invoices a company has, or the money owed to them by customers for goods or services delivered. In essence, it represents a crucial aspect of a company’s cash flow. Every business, regardless of its size or industry, needs to manage its AR effectively to ensure a steady influx of revenue. Our goal at JustPaid.io is to simplify this process by using cutting-edge technology.

We are building an AI-powered AR agent platform that enables companies to receive payments seamlessly from any signed contract. Traditionally, once a contract is signed, the responsibility of collecting payment falls on human shoulders. Our platform aims to automate and streamline this process, allowing businesses to focus on what they do best while we handle the complexities of payment collection.

What We Are Looking For

To achieve our ambitious goals, we need talented engineers who are not just coders but innovators. We are seeking individuals who possess a hacker mentality—those who can think outside the box, build quickly, and are intrinsically motivated to create and learn. Our engineering team is collaborative, and we believe that everyone has something to teach and learn from one another.

We want people who are smart, savvy, and can bring fresh perspectives to our team. If you are someone who thrives in a dynamic environment and is excited about the potential of AI in finance, you could be the perfect fit for us.

The Hackathon Challenge

As part of our hiring process, we have designed a hackathon that allows candidates to showcase their skills and creativity. The challenge is to build a finder service—a platform that connects businesses with financial experts in their respective industries.

What is a Finder Service?

A finder service is a platform that helps users locate professionals who can provide specific services. In our case, we want a platform where businesses can easily search for financial experts, such as accountants, CFOs, or AR revenue collection specialists. This service will facilitate the connection between companies seeking financial guidance and professionals offering their expertise.

Key Features to Include

When developing your finder service, consider the following key features:

  • User Profiles: Create profiles for both business users and financial experts, showcasing their skills, experience, and reviews.
  • Search Functionality: Implement search filters that allow users to find experts based on specific criteria such as location, expertise, and ratings.
  • Account Creation: Enable users to create accounts to save their searches and preferences.
  • Quote Requests: Allow businesses to request quotes directly from financial professionals.
  • Review System: Incorporate a review system where users can leave feedback based on their experiences.

Examples of Existing Finder Services

To inspire your project, consider examining existing finder services in various industries. Here are a few examples:

  • Thumbtack: A platform connecting users with local service providers, such as painters and handymen.
  • Yelp: Widely known for restaurant reviews, but also offers listings for various service professionals.
  • Avvo: A legal service finder that helps users locate lawyers based on their specific needs.
  • Care.com: A service that connects families with caregivers, including babysitters and pet sitters.

Leveraging AI in Your Project

While incorporating AI into your project is not mandatory, it is highly encouraged. AI can enhance user experience significantly. For example, consider adding a chatbot that assists users in navigating the platform or answering frequently asked questions. This could not only streamline the user experience but also demonstrate your ability to integrate advanced technologies into practical applications.

The Application Process

After completing the hackathon project, we encourage you to submit your work along with a brief video presentation. In this video, explain your approach, the technologies you used, and any challenges you faced during the development process. This will give us insight into your problem-solving skills and creativity.

We appreciate the effort you put into your project, and it will significantly enhance your chances of landing an interview with us. Our team is excited about the possibility of working with passionate individuals who are eager to contribute to the future of finance.

Conclusion

At JustPaid.io, we are committed to building a dynamic team that will drive the future of AR revenue. We invite you to take part in our hackathon challenge and showcase your skills. If you are ready to embark on this exciting journey with us, visit JustPaid.io Careers to learn more about our opportunities. Together, we can transform the way businesses manage their accounts receivable.

We look forward to seeing your innovative solutions and welcoming you to our team!

Join JustPaid.io: Exciting Opportunities for BDRs and SDRs

At JustPaid.io, we are on the lookout for dynamic individuals to join our team as Business Development Representatives (BDRs) and Sales Development Representatives (SDRs). In this blog, we will delve into what these roles entail, the skills required, and why you should consider applying. If you’re passionate about sales, eager to learn, and ready to make an impact in a fast-paced startup environment, read on!

Understanding the Roles: BDRs and SDRs

Before diving into the specifics of the positions, it’s essential to understand the difference between BDRs and SDRs. Both roles are critical for driving sales, but they focus on different aspects of the sales process.

What is a BDR?

A Business Development Representative (BDR) is primarily responsible for outbound sales activities. This includes making numerous phone calls and sending multiple emails to connect with potential leads. If you enjoy engaging with people and learning about their businesses, this role might be an excellent fit for you.

  • Outbound Focus: BDRs actively seek out new business opportunities.
  • Lead Qualification: They assess whether leads are a good fit for the company’s services.
  • Demo Booking: The ultimate goal is to schedule demos with qualified leads.

What is an SDR?

A Sales Development Representative (SDR) primarily handles inbound leads. When potential clients reach out through the website or phone, the SDR’s job is to book demos and facilitate the initial stages of the sales process.

  • Inbound Focus: SDRs respond to inquiries from interested leads.
  • Demo Scheduling: They ensure that interested parties can see the product in action.

The Hybrid Role of BDR and SDR

At JustPaid.io, we are looking for candidates who can seamlessly transition between BDR and SDR responsibilities. This hybrid role allows for a diverse range of activities, making each day unique and engaging.

  • Outbound and Inbound: You will engage in both outbound calls and respond to inbound leads.
  • Collaboration: Work closely with the tech team and co-founders on sales initiatives.
  • Growth Potential: There are opportunities for personal and professional development within the company.

What We Are Looking For

As we search for the right candidates, certain qualities and skills stand out. Here’s what we value most in our BDR and SDR applicants.

Excitement About the Industry

We want individuals who are genuinely excited about the tech industry and startups. A passion for learning and growth is crucial in a fast-paced environment like ours.

Outgoing Personality

Since the role involves significant interaction with potential clients, a friendly and outgoing demeanor is essential. You should feel comfortable initiating conversations and building rapport with various stakeholders.

Self-Motivated Go-Getters

We are looking for self-starters who can take the initiative. You will often work with a provided list of leads, but your ability to research and identify additional prospects is equally important.

Team Players

Collaboration is key at JustPaid.io. You will be working closely with our tech team and co-founders, so being a team player who can communicate effectively is vital.

Compensation Structure

Our compensation structure is designed to reward hard work and success. Here’s what you can expect:

  • Base Salary: A competitive base salary provides financial stability.
  • Commission: Earn commission for every demo you book and for closed deals.
  • Revenue Generation: Your efforts directly impact your earnings, offering limitless potential.

The JustPaid.io Advantage

Joining JustPaid.io means becoming part of an innovative team that is revolutionizing how companies manage their finances. Our AI-driven platform helps businesses analyze their financial data and manage accounts receivable effectively.

Innovative Technology

We pride ourselves on our cutting-edge technology. By joining our team, you’ll be selling a product that truly makes a difference in the industry.

Growth Opportunities

As a startup, we offer numerous opportunities for growth and advancement. You won’t just be filling a role; you’ll be shaping the future of our company.

Supportive Environment

At JustPaid.io, we believe in fostering a supportive and inclusive environment. You will receive the training and resources necessary to succeed in your role.

Why Apply Now?

The demand for skilled sales professionals is high, and we are eager to fill these positions with the right candidates. If you are enthusiastic about the opportunity to grow within a startup and make a real impact, now is the time to apply.

Experience is Not Required

We value the right attitude and willingness to learn over prior experience. If you are a go-getter who thrives in a dynamic environment, we encourage you to apply regardless of your background.

How to Apply

Ready to take the next step? Visit our careers page at JustPaid.io Careers to submit your application. We look forward to hearing from you!

Applying to Y Combinator: What You Need to Know

Being a Y Combinator founder is a dream for many aspiring entrepreneurs. If you’re considering applying to Y Combinator, this blog is for you. In this blog, we will discuss the key factors that Y Combinator looks for in founders and how to increase your chances of getting accepted.

1. Strong Founding Team

Y Combinator values sharp, strong founders who can execute their vision. While having a product is not mandatory, a solid founding team is crucial. Founders with determination, fortitude, and the ability to take action are highly sought after. These qualities are essential for building a successful startup.

2. Cohesive Founding Team

Y Combinator also looks for stability and cohesiveness in a founding team. It’s important to have a team that can work well together and handle the stress that comes with building a startup. Long-standing friendships or relationships built on trust and respect can be advantageous in this regard.

3. Technical Expertise

Y Combinator tends to favor founders with technical expertise. Whether it’s building applications with a user base or working on complex projects in a specific industry, having a strong technical background can significantly increase your chances of acceptance.

4. Market Size and Idea

While the idea itself is not the sole determinant, Y Combinator does consider the market size and potential of your idea. It’s important to articulate your vision concisely, highlighting the market opportunity and how your product or service fills a gap.

5. Excellent Communication Skills

Being able to articulate complex ideas in a clear and concise manner is highly valued by Y Combinator. You need to communicate the most important aspects of your idea effectively, both in your application and potential interview.

6. Preparation for the Interview

If you’re selected for a 10-minute interview, preparation is key. Invest in good video and audio equipment to ensure clear communication. Slow down your speech and be concise. Avoid talking over each other if you have co-founders present. Make sure to have a clear division of labor and highlight each member’s expertise.

During the interview, focus on key points, such as your team, the problem you’re solving, the market size, and any traction you’ve gained. Be passionate and make the partners excited about your vision.

7. Use Alumni Network

Reach out to Y Combinator alumni for advice and insights. The alumni network is vast, and many founders are willing to share their experiences. However, remember to gather advice from multiple sources to gain different perspectives.

8. Be Confident

Confidence plays a significant role in your pitch. Practice your pitch repeatedly, record yourself, and refine it. Be ready to answer any questions thrown at you by the Y Combinator partners.

Remember, getting into Y Combinator is a competitive process, but with the right team, preparation, and passion, you can increase your chances of acceptance. Good luck with your application and potential interview!

I have written a bit more about how to get into Y Combinator several years ago as well, you can find that post here.

Financial Tech Software Challenge

Looking to work at a Silicon Valley tech startup?

Build something amazing and show us what you can create. We are looking for amazing people can inspire us and for us to learn from. Teach us something. We want to be inspired working with you. We are building a culture where creators, builders can work together to make something people want.

The list below is a list of possible projects. Pick one on this list and incorporate something AI related into it. Post your project on GitHub and shoot a video talking through what you built. After that, lets talk!

  1. E-commerce Platform:
    • Database: Use Amazon RDS with PostgreSQL to manage product listings, user data, purchase history, and reviews.
    • Backend: Implement the API using Django and Python. Use Django’s ORM to connect to the PostgreSQL database.
    • Frontend: Design the user interface using React components from the MUI library. Write the React code in TypeScript for type safety. Use Next.js for server-side rendering and static site generation for performance.
    • Bonus: Use Next.js API routes to create a proxy layer between the frontend and Django backend.
  2. Blog Platform:
    • Database: Store blog posts, user profiles, and comments in PostgreSQL on Amazon RDS.
    • Backend: Use Django to create APIs for creating, retrieving, updating, and deleting blog posts.
    • Frontend: Implement the blog using React components from MUI, with TypeScript for static typing. Utilize Next.js for efficient routing and rendering of pages.
    • Bonus: Implement user authentication and authorization.
  3. Job Board:
    • Database: Design tables in PostgreSQL on RDS for job listings, companies, and applicant data.
    • Backend: Create a Django backend to handle CRUD operations for job listings and handle application uploads.
    • Frontend: Design a slick job listing page using React and MUI. Use TypeScript with React for type safety and better developer experience. Employ Next.js for navigation and efficient rendering.
    • Bonus: Implement a real-time search feature using Django and display the results using Next.js and React.
  4. Dashboard Application:
    • Database: Use PostgreSQL to store time-series data or key performance indicators.
    • Backend: Develop APIs using Django to aggregate and fetch the data.
    • Frontend: Use React and MUI to design dashboard widgets. Implement TypeScript to ensure type safety and robustness in data handling. Utilize Next.js for SSR and efficient data fetching techniques like getStaticProps and getServerSideProps.
    • Bonus: Implement a feature for users to customize their dashboard layout.
  5. Event Management System:
    • Database: Host event data, user registrations, and event schedules in PostgreSQL on RDS.
    • Backend: Use Django to manage user registrations, event CRUD operations, and attendee management.
    • Frontend: Create an event display page using React and MUI components. Employ TypeScript for better data handling. Use Next.js for efficient rendering and dynamic page generation.
    • Bonus: Implement a ticketing system.

When reviewing projects developed using these technologies, it’s crucial to pay attention to:

  • Code Quality: Adherence to best practices in TypeScript, Django, React, and SQL.
  • Database Design: The efficiency of the PostgreSQL schema, use of indexes, and normalization.
  • Performance: How efficiently data is fetched and rendered, especially in Next.js.
  • Scalability: The architecture’s ability to handle increased loads, especially on the database side with RDS and the backend with Django.
  • Usability and Design: How effectively MUI components are used to create an intuitive and appealing user experience.

Also please submit your application as well so we have information, apply here –
https://airtable.com/appKGbQFY1SLWaBf4/shr6ffqRWbnQoZ2BW

After you do one of these projects, one post it on your public GitHub for your resume, then lets talk! Send what you made to careers@justpaid.io and the team will find us a time to connect. If you can post a walk through on YouTube publicly, that would be amazing so our whole team can look at what you built.

Executive Coaching, A Secret Weapon

https://i.pinimg.com/originals/c2/ad/9b/c2ad9be0ca2912f01f4daac1c4bf2409.jpg
Rock Health Digital Health CEO Summit, A Few Years Ago

When running my last startup, the first time I ever considered getting executive coaching for myself and my team was at the Rock Health Digital Health CEO Summit, I saw one of the panelists talking about hiring an executive coach for themselves and for their team. Up until that point, I had been building my start-up without executive coaching. I realized we needed a bench of amazing coaches, thinking that getting executive coaching for the executive team and me would be something that would help facilitate, keep the team on the same page, and help my startup grow.

Football teams, the Olympics teams, soccer teams, boxing/UFC fighters, and basketball teams have coaches, why not your start-up? The best CEOs and founding teams get help and advice from advisors, board members, their team, and their customers; having a coach is another support system most founders don’t think of. Even the best of the best teams in the business world add executive coaching to help the founders. For example, Apple’s founder Steve Jobs, former executive chairman and CEO of Google Eric Schmidt, and Facebook CEO Sheryl Sandberg worked with Bill Campbell, the million-dollar coach. Being a founder can be a long and lonely path so having a coach to run ideas, strategy, and short and long-term incentives and concepts is amazingly valuable.

The band Metallica has been around for decades; in the movie “Metallica: Some Kind of Monster” the band was insightful and hired a coach Phil Towle to help keep the band together since they lost their bass player Jason Newstead and the band was falling apart, an executive coach fits a need in that same way helping a person grow in their career.

My co-founder Michael and I a few years ago started to dig and look for executive coaching teams and realized it was hard at first to find a good team. After interviewing several coaching teams, I started to understand the coaching community; there is a big market out there for executive coaching. There’s a large amount of amazing talent out there to help you grow and help your team. 

Founders of InnerSpace

The first experience I had was with a Y Combinator company called Innerspace, a wisdom community for startup founders. Innerspace was founded by Semira Rahemtulla and Joe Greenstein, who held free sessions for founders in San Francisco; it was an amazing experience to go to these events and see top-tier Exec Coaches that were presenting and helping founders.

Kim Scott, Executive Coach

Several founders, leaders, and company executives approached me about executive coaching and how that might work. Like any relationship, it must work for the person getting coaching and for the coach. What I did throughout the years was interviewed several coaches; I highly recommend interviewing around five executive coaches to see if there might be a fit. Getting a coach is very similar to hiring a psychologist, you must see what is out there and see what might work for you, seeing if you might fit with their personality, the way they work, and the dynamics between you both to really get an idea of how they can help you. I bucket some Executive Coaches amazing for company offsites, others are amazing at running retreats, others are amazing for 1-1 coaching, and others for doing a one-time session on a focus topic. You can always try before you commit; maybe do a month of sessions to see how things go and check in to see if the coaching is working. Scaling yourself and getting the growth that you need is so important to see what best fits you and your team’s needs, but offsite with an executive coach to see if they can work well with you and possibly with your team. If there are several cofounders, you can even create strategies to align the founders by getting the same executive coach to work with all of the founders on a monthly basis, it depends on you you’re co-founders and your team’s needs on how you want to pick and use your executive coach again they’re there is a resource and a sounding board for you so really you’re in the driver seat to see if they’re giving you the advice that helps you bring your company and your startup to the next level.

Investors at times can also give Executive Coaching advice from time to time, but I found few founders that look outside to get that executive coaching expertise.

Sometimes executive coaching can be expensive. If you want to work with a coach, find a coach who is in your budget range, but you can always ask if the company is short on cash, offer advisor shares, or defer payments to a future date, maybe at the next funding event.

This is a list of a bunch of possible executive coaches. I highly recommend the list of people below.

torch.io

I can’t say enough good things about this executive coaching team if you are looking to talk with them. You can find the founders here.

Peter Hill

Peter is an amazing talent who can help, he can be found here.

Joe Greenstein

Joe can be found here.

Semira Rahemtulla

Semira is an amazing executive coach who does it all and can help, she can be found here.

Ed Batista

Ed is an executive coach who I did a session with, he is amazing if you can get him; sign up for his blog and newsletter; he is insightful.

Kim Scott

Kim wrote several famous books, Radical Candor and Just Work. Kim and her team do coaching sessions, you can sign up for them here.

Michael Terrell

Michael is another coach that amazing and should be considered, he has a podcast and book, and this is his website.

Larissa Conte

Larissa is another coach with who I have taken a session who is amazing, this is her LinkedIn.

Kate Roeske-Zummer

Kate’s website is https://humanityworks.com, she also has a book.

Caroline Webb

Caroline wrote a book, “How to have a good day” and does coaching,

Wendy Bittner

Wendy is a partner at Cultivating Leadership.

Jerry Colonna founder of Reboot.io

The Reboot.io team does 1-1 sessions, retreat/boot camps, and has an amazing podcast.

Mark Voorsanger

Mark, CPCC is from Skyward Coaching, his website can be found here.

It is important to recognize that building a company is hard and growing as a founder is a must if you want your company to succeed. It is hard enough since most companies fail. It is better to have a team and sounding boards to help you make sure you are on the right course.

Life Coaching vs Executive Coaching

I’ll end with one other branch of coaching, which is life coaching; life coaching is similar to executive coaching, but life coaching primarily examines who you are and how that way of being translates into your actions and results. Executive coaching focuses primarily on what you do and what you have, with a secondary focus on who you are, while analyzing what you do/didn’t do to get the results achieved so far.

One amazing coach I recommend is Arda Ozdemir. Arda runs the coaching team Rize to Realize. I highly recommend his book. Below is a great video of a part of what life coaching is about.

Support is important for growth and for becoming the best leader possible. I’ll leave you with this last video from Y Combinator, which is also an important topic when building companies –

Leaders. Accounting. Finance. Modeling.

You should understand what your CEO, COO, and CFO are talking about.

An MBA can cost as much as $200,000 dollars, below are a few great resources for anyone who wants to learn about the financial aspects of running a company.

The basics are the most critical aspects for anyone who wants to learn, the Financial Story Teller is one of the best educators about finance.

Cashflow statement:

Income statement:

The balance sheet:

This course “Introduction to Finance, Accounting, Modeling and Valuation” is well worth the money.

https://www.udemy.com/course/introduction-to-accounting-finance-modeling-valuation-by-chris-haroun/

Perhaps one of the best videos on SaaS if you are running a Software as a Service company is from David Skok of Matrix Partners: Driving SaaS Success Using Key Metrics


Enterprise Value vs Equity Value

Enterprise value (EV) and equity value/market value (MV) are business valuations. Enterprise value (EV) is used when considering the purchase of a business, whereas equity value/market value (MV), is used when considering an investment in the common stock of the business. A great resource for reviewing these valuations definitions.

Enterprise Value

The net assets of a business are funded by a combination of debt and equity. It follows that the value placed on these net assets must be the same as the value placed on the equity plus the value placed on the debt.

Net assets value = Equity value + Debt value