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Ethan Teng

Ethan Teng

Building Ask Linc. Decision-first financial planning. Bring a question, not a spreadsheet, and get a clear answer with the tradeoffs and math attached.

Two empty Adirondack chairs on a beach facing the ocean

The 4% Rule for Early Retirement: A Shortcut, Not a Plan

The 4% rule estimates how much you need to retire. Here’s how it works, why early retirement changes the math, and how to test your own spending.

The Future of Personal Finance Is AI-Native

The Future of Personal Finance Is AI-Native

See why personal finance is moving from reactive dashboards to AI-native tools that model scenarios, surface tradeoffs, and explain decisions.

Conversational AI in Fintech: From Dashboards to Dialogue

Conversational AI in Fintech: From Dashboards to Dialogue

See how conversational AI is replacing static dashboards in fintech — and why asking your finances a question beats building another spreadsheet.