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it's a combination I think of having a the talent the team that's able to move quickly and the sort of urgency and the wherewithal to make those decisions and just get aligned as a group... when good stuff happens it was the same thing.

Speed of Execution Is a Muscle — Build It in Crises So It Is Ready for Opportunities

Monarch had lived through SVB collapsing, COVID disruptions, and California wildfires displacing team members before the Mint shutdown arrived. Each fire drill built the team's capacity to triage fast and realign. When the positive black swan came, they launched a full Chrome extension rebuild in 48 hours while competitors took six-plus weeks. The crisis response muscle is the same one that captures windfalls.


V
Val Agostino
Monarch MoneyCo-founder & CEO of Monarch Money; first PM at Mint.com; subscription personal finance app that saw 20–30x daily signup surge when Mint shut down in late 2023.
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Learning and Profiting from Black Swan Events — Val Agostino, Monarch Money· 33:00
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