Monthly Archives: May 2025

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.