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How Mediocrity Quietly Creeps In — and How to Hold High Standards That Protect Your Profits and Culture


Opinions expressed by Entrepreneur contributors are their own.

Key Takeaways

  • Treat your standards as a filter that keeps misaligned hires, partners and habits out before they create costly friction.
  • Set clear expectations for behavior and communication before investing in growth, then raise them as your company scales.

Many leaders see high standards purely as a tool for achievement, whether that means gaining a competitive edge or outperforming the market. For years, I saw them that way too, judging my organizations mostly by execution and output. But working in multiple executive roles has taught me something deeper: High standards are fundamentally a form of protection. They shield a leader’s career, team and company from the slow, compounding damage of mediocrity.

When you set high standards, low-quality inputs, whether in hiring, partnerships or daily habits, get filtered out before they can cause problems. Over several years, that protection is worth far more to a business than any single quarterly win. High standards aren’t about demanding perfection. They’re about building a strong filter that protects the health of the whole organization.

Why high standards make organizations more efficient

To run a complex organization well, treat your standards as a filter everything must pass through. Every partnership you pursue, investment you make, client you take on and behavior you tolerate should meet them. When standards are loose or low, the filter breaks down. Misaligned goals, unhealthy team dynamics and unnecessary complexity start to spread through the culture. The result is a business weighed down by obligations it shouldn’t have taken on, constant internal friction and decisions it comes to regret.

Strong standards change how an organization spends its energy. People who don’t meet your professional or behavioral bar don’t get hired. Opportunities that don’t fit get declined. Situations that slow the company down get addressed. This isn’t about arrogance. It’s about protecting your team’s time and focus. By keeping the noise out, leaders create room for focused, intentional work instead of constant firefighting.

Build the culture first, and the results will follow

McLaren Racing offers a clear example of standards coming first. When Zak Brown joined the team in 2016, McLaren had drifted far from its championship history. Results on the track were poor, performance benchmarks had slipped and the team’s culture was fragmented.

Brown did make changes at the top, bringing in new drivers and eventually replacing a handful of senior leaders. But the rest of the team, roughly a thousand people, stayed the same. What changed was how they worked together. McLaren set clear expectations for how engineering teams communicated across departments, how problems were raised and solved without finger-pointing and which lapses were no longer acceptable.

Those standards were designed to protect the team from the habits that had held it back: blame-shifting, excuse-making and settling for “good enough.” The culture came first, and the results followed. McLaren went on to win back-to-back Constructors’ Championships in 2024 and 2025, along with Lando Norris’s first Drivers’ title.

How high standards protect your profits and brand

When standards slip, the damage rarely shows up on the P&L right away. Instead, it works like a hidden tax, gradually slowing the company down and making its work less clear and less consistent.

Low standards let small compromises slide: a late deliverable here, an unresolved conflict there, a small cut in product quality to hit a deadline. Each one looks minor on its own. Together, they wear down a company’s competitive edge and weaken its brand.

Consistently high standards across every department have the opposite effect. When employees know excellence is the baseline, they hold each other accountable, which reduces the need for constant management oversight. Managers spend less time fixing avoidable mistakes and more time on strategy and innovation. Sales teams can focus on better-fit, higher-margin clients because the brand isn’t built on competing on price alone.

In short, high standards can improve your bottom line by cutting the hidden costs of rework, lost customers and repairing a damaged culture.

How to raise your organization’s standards

To put these ideas into practice, build the following steps into how you run your business:

  • Treat standards as protection, not vanity. Stop measuring standards only by how impressive they look. See them as your first line of defense against mediocrity.
  • Audit how you choose. Review how you select employees, projects, vendors and partners, and identify where loose standards are quietly slowing you down.
  • Set standards before you spend. Establish clear expectations for behavior, operations and communication before investing in new growth initiatives. Your culture needs to be strong enough to support your strategy.
  • Keep raising the bar. Treat standards as a baseline that rises as the company grows, not a static handbook. Check regularly to make sure small compromises haven’t crept back in.

When leaders get disciplined about what they let into their organizations, they stop reacting to problems created by low-quality inputs and start protecting what matters most. With the right standards in place and consistently enforced, results depend less on luck and more on the strength of the organization built to produce them.

Key Takeaways

  • Treat your standards as a filter that keeps misaligned hires, partners and habits out before they create costly friction.
  • Set clear expectations for behavior and communication before investing in growth, then raise them as your company scales.

Many leaders see high standards purely as a tool for achievement, whether that means gaining a competitive edge or outperforming the market. For years, I saw them that way too, judging my organizations mostly by execution and output. But working in multiple executive roles has taught me something deeper: High standards are fundamentally a form of protection. They shield a leader’s career, team and company from the slow, compounding damage of mediocrity.

When you set high standards, low-quality inputs, whether in hiring, partnerships or daily habits, get filtered out before they can cause problems. Over several years, that protection is worth far more to a business than any single quarterly win. High standards aren’t about demanding perfection. They’re about building a strong filter that protects the health of the whole organization.

Why high standards make organizations more efficient

To run a complex organization well, treat your standards as a filter everything must pass through. Every partnership you pursue, investment you make, client you take on and behavior you tolerate should meet them. When standards are loose or low, the filter breaks down. Misaligned goals, unhealthy team dynamics and unnecessary complexity start to spread through the culture. The result is a business weighed down by obligations it shouldn’t have taken on, constant internal friction and decisions it comes to regret.

Is It Finally Time to Sell AMD?


In this video, I will cover Advanced Micro Devices (AMD +0.11%) and explain what I am doing with my position, including whether Nvidia or Broadcom could be a better place for that capital. Watch the short video to learn more, consider subscribing, and click the special offer link below.

*Stock prices used were from the trading day of Sep. 22, 2026. The video was published on Sep. 22, 2026.

Neil Rozenbaum has positions in Advanced Micro Devices. The Motley Fool has positions in and recommends Advanced Micro Devices, Broadcom, and Nvidia. The Motley Fool has a disclosure policy. Neil is an affiliate of The Motley Fool and may be compensated for promoting its services. If you choose to subscribe through his link, he will earn some extra money that supports his channel. His opinions remain his own and are unaffected by The Motley Fool.

Swedish Open Banking Fintech Trustly Trims 25% Of Staff


Swedish open banking company Trustly is reducing its workforce by about a quarter, eliminating roughly 200 positions worldwide as it tries to simplify its structure and put more money behind a smaller set of priorities. The company, based in Stockholm, employs more than 800 people and has international offices in London, Helsinki, Ottawa and San Carlos.

Trustly’s business is built on account-to-account payments. Instead of routing a purchase through Visa or Mastercard, a shopper can authorize a transfer straight from a bank account.

Merchants including Alibaba, PayPal, Wise and BNY Mellon use the service as a cheaper or faster alternative to cards.

Investors have put more than $400 million into the firm over the years, with BlackRock, Nordic Capital, Aberdeen Standard Investments and the Investment Corporation of Dubai among the backers.

In 2023 Trustly also bought UK open banking specialist Ecospend.

The latest cuts were first reported by Swedish news site Breakit and later confirmed by the company.

Leadership presented the plan as a way to concentrate spending on markets and products it believes will matter most in a fast-growing open banking sector.

Most of the roles affected are understood to be in Brazil.

Reports also said Trustly last year lost a large share of revenue when two unnamed major clients departed, though both later came back, and that the company may have been exploring a sale during that period.

Chief executive Johan Tjärnberg informed employees by email.

A company spokesperson said Trustly had “shared proposed organisational changes with our employees that impact around 200 roles globally,” adding that the aim was “sharpening our focus and concentrating investment behind the priorities that will help us lead the rapidly growing open banking market.”

The company said it understood the personal impact and would support staff through the process.

The move fits a broader pattern in payments and fintech, where firms that hired quickly during earlier growth phases are now trimming costs and narrowing their geographic bets.

Trustly has been through this before.

In 2022 it cut about 120 jobs after a stalled IPO plan and regulatory pressure in Sweden, arguing then that the organization had become too layered and had lost some of its original agility.

The current round is larger as a share of the workforce and is framed less as a retreat than as a reallocation toward markets the company considers more profitable.

Open banking remains a crowded field.

Banks, card networks and specialist payment firms are all competing to own the connection between a customer’s deposit account and a merchant’s checkout.

Trustly’s bet is that a leaner company, with fewer overlapping teams and clearer ownership of products, can move faster in that contest.

Whether cutting a quarter of the staff delivers that speed will depend on how cleanly the remaining organization can serve its largest merchants and on whether Brazil and other secondary markets can be wound down without disrupting core operations.

For employees, the announcement is a reminder that even well-funded European fintechs are not insulated from restructuring. For the industry, it is another sign that open banking is shifting from a land-grab phase to a period of tighter execution and more selective investment.



‘The alt solution is the prime solution’: Alternative borrowers increasingly staying put




Alternative lenders say today’s borrowers are more likely to be self-employed and asset-rich than credit-bruised, with many no longer viewing alt lending as a temporary stop on the way to a major bank.

Better Sleep, Better Health: a New Study Shows Getting More REM Sleep is Linked to Lower Risk of 83 Different Diseases



A 95,000-person shows getting more REM sleep lowers the risk of dozens of diseases. So does getting more deep sleep.

Cryptocurrency trading to become illegal in Hawaii if legislature doesn't act



Digital currency has become a nearly $1 billion industry in the state, but trading things like Bitcoin could become illegal if the pilot program that allows it to operate outside of strict laws is not replaced with a new law.

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WisePal Review: Save Money On Bills And More



wisepal logo 2026

Quick Summary

  • Online negotiation service
  • Users save an average of $1,272 annually 
  • You choose your fee upfront  

GET STARTED

WisePal is a bill negotiation platform that helps you lower household expenses without having to negotiate with providers yourself. It finds comparable offers and uses them as leverage to negotiate a lower price with your current provider. It may be worth considering if you want to lower your monthly bills but don’t want to spend a lot of time shopping around or negotiating. 

Table of Contents

What Is WisePal?
What Does It Offer?
Are There Any Fees?
How Does Wisepal Compare?
How Do I Open An Account?
Is It Safe And Secure?
How Do I Contact Wisepal?
Is It Worth It?

What Is WisePal?

WisePal is a personal finance app that helps you reduce your recurring bills. According to the company, it has helped more than 30,000 households over the past five years. While it’s main service is to help you find comparable offers on your existing services, and then using those to negotiate lower prices, it also helps people find savings in other areas, such as car insurance, property taxes, credit card debt, utilities, and more. 

Wisepal homepage screenshot

What Does It Offer?

WisePal uses bill analysis, comparison shopping, bill negotiation, and ongoing monitoring to help you lower your bills. Here’s a closer look at what you can expect when you join:

How WisePal Works

After signing up and sharing your recurring bill details,  WisePal gets to work, following these four steps:

1. Find comparable offers: WisePal analyzes your monthly bills, focusing on specific details, such as rates, coverage limits, speeds, interest rates, and other terms. It then compares what you’re paying with lower-cost alternatives. Their goal is to find options that keep the main benefits of your current service. 

2. Bill negotiation: Rather than simply telling you that another provider has a better price, WisePal can use comparable offers as leverage to negotiate a lower bill with your current provider, without downgrading your service.

3. Find the savings:  According to WisePal, its users save an average of $1,272 per year. This is based on the “combined average annual savings across wireless, home internet, and TV service” for customers with all three bills. Even if WisePal finds a comparable provider at a lower price, you aren’t obligated to switch. 

4. You save (and WisePal gets paid): As mentioned, WisePal doesn’t get paid unless it saves you money. If so, WisePal takes a cut of those savings. While it doesn’t publish a specific percentage, users choose the amount in advance, so the fees will not be a surprise. 

Wisepal bill savings

How WisePal Finds Savings

WisePal doesn’t limit its search to one or two types of bills, like a cell phone or home internet bill. Depending on your situation, it can also look for savings from electricity, insurance, savings accounts, car loans, mortgages, credit card debt, and property taxes. 

With recurring bills, it can find comparable offers and use those prices to negotiate with your current provider. However, for other expenses, it might find a lower cost product or another savings opportunity. Your actual savings will depend on the number and types of bills WisePal works with and what alternatives are available at the time. 

Continuous Monitoring

One nice things about WisePal is that it isn’t a “one-and-done” service. It can continue monitoring your bills and the market, looking for new opportunities.

For example, WisePal may identify that you’re paying more than the current market average, find a new opportunity to negotiate your bill, or alert you that a promotional rate is ending. You’ll also receive a monthly summary showing what you’re paying, what’s changes, and where you might find new opportunities to save. 

The ongoing monitoring is a nice feature, because what is a good price today, might not be a year from now! 

Are There Any Fees?

WisePal doesn’t charge any upfront fees because it only gets paid when it saves you money. However, if it negotiates a lower bill on your behalf, you’ll pay a percentage of the savings it generates. You’re charged only after WisePal secures the savings. Interestingly, you choose the percentage you want to share with WisePal.

If WisePal fails to negotiate a lower price, you don’t pay a negotiation fee. You can also compare alternative providers and switch through WisePal without being charged. 

How Does WisePal Compare?

Other platforms offer bill negotiation services, similar to WisePal. Rocket Money, for example, offers bill negotiation as part of a broader personal finance offering that includes budgeting and subscription management. Its negotiation fee ranges from 35% to 60% of your first-year savings, with users choosing the percentage they pay. 

Billshark is more narrowly focused than Rocket Money. It helps you lower your bills and charges a one-time fee equal to 40% of the savings it secures for you. Like WisePal, you don’t pay Billshark unless it finds you savings.  

Header
wisepal logo 2026
Rocket Money Logo 2025
BillShark Logo

Rating

Pricing

Varies

35% – 60%

40% of savings

Bill Negotiation

Budgeting

Net Worth Tracking

Cell

OPEN AN ACCOUNT

READ THE REVIEW

READ THE REVIEW

How Do I Open An Account?

You can get started from the WisePal website by selecting the “Get Started” or “Check for Savings” buttons. From there, you’ll be asked to list your main bills, such as your phone plan, home internet, cable, or streaming, and include your current provider. Wisepal will also ask if you have car insurance or wish to cut your electricity costs. You’ll follow a few steps to verify your bill accounts, but WisePal says the initial process takes about 90 seconds. 

Wisepal account opening

Is It Safe And Secure?

According to WisePal, it encrypts and protects customer information using industry-standard security measures. It also says that its security is regularly reviewed by NCC Group, a cybersecurity company.

As with any service that analyzes your personal finance information or bills, you’ll need to decide whether you are comfortable sharing your information with WisePal. I recommend reading its privacy policy and terms of service so that you understand how it handles the information it collects, before you sign up. 

How Do I Contact WisePal?

You can speak with a WisePal representative by calling +1 (979) 271-6060 during the following business hours:
 
Monday – Friday, 9:00 AM – 6:00 PM EST.

You can also email WisePal support at hello@wisepal.com. WisePal says that the average response time is two hours. You can also use the contact form on its website to reach out. 

Is It Worth It?

I like WisePal’s basic premise. It solves a problem many of us have but often put off because it feels like too much friction. I also like that they don’t force you to switch providers; they just show the available options. And the success-based pricing (they only get paid if you save) limits your risk. That said, you still need to consider that you will be giving up a portion of your savings for something you could do yourself if you’re willing to put in the time and effort.

One thing I don’t like is the lack of transparency around the fees. While WisePal says you choose your fee, I couldn’t find any estimate or fee range anywhere on its website. Billshark, on the other hand, states directly on its website homepage that its fee is 40%. Rocket Money states that its fees range from 35% to 60%, and the customer chooses. If Wisepal makes a similar disclosure, I couldn’t find it. You have to assume its fees fall in a similar range to Rocket Money and Billshark. 

Ultimately, if you’re comfortable negotiating bills and doing your own comparison shopping, you probably don’t need a service like this. But if you’d rather have someone else do the legwork, WisePal could be an easy way to find savings without spending hours calling providers. 

Check out WisePal here >>

Editor: Robert Farrington

The post WisePal Review: Save Money On Bills And More appeared first on The College Investor.

Trump made more stock trades in July than Treasury Secretary Scott Bessent made all of last year



President Donald Trump’s financial accounts made nearly 40 times as many trades in one month as those belonging to Treasury Secretary Scott Bessent, a Wall Street veteran with decades of experience.

Trump earlier this week disclosed 1,156 transactions made by accounts in his name in July, including 440 purchases and 716 sales, according to a report filed with the Office of Government Ethics. In total, his transactions represented at least $79 million and at most $270 million in trades, according to a Fortune analysis of the report. The exact dollar amount associated with each trade was not disclosed.

That compares with Bessent, who disclosed just 29 transactions for all of 2025. 

All of Bessent’s transactions were sales, according to an Office of Government Ethics report. Several of the transactions involved his interests in entities related to Key Square, the hedge fund he founded in 2015 and left to join the administration. Others were sales of individual stock in companies like Verizon and Archer-Daniels-Midland. A JPMorgan Chase stake owned by Bessent’s husband John Freeman was also inadvertently reported as a deposit account previously and was adjusted, according to the report.

Bessent agreed to divest assets that could conflict with his new role when he agreed to become Treasury secretary.

As for Trump’s transactions, a White House spokesperson previously told Fortune the president’s assets are held in a trust measured by his children. Meanwhile, the large number of transactions is due to third-party “computer-based model portfolios that automatically replicate recognized indexes, such as the Schwab 1000,” the spokesperson told Fortune.

The White House did not immediately respond to Fortune’s request for comment. 

A federal conflict of interest law 18 U.S. Code 208 legally prevents most federal officials from acts affecting a personal financial interest, but this doesn’t apply to the president and vice president. Trump’s volume of trading has ramped up during his second term. A disclosure filed with the OGE showed the president’s accounts recorded more than 21,000 transactions during his first year back in office.

To be sure, it’s  unusual for a president to maintain ownership of an actively traded portfolio of individual securities while in office. Since Congress passed the Ethics in Government Act of 1978, all modern presidents have either adopted a blind trust or limited their investments to non-conflicting assets like diversified mutual funds, said Walter Shaub, the former director of the Office of Government Ethics, in 2017 remarks. 

Just months before resigning as director of the OGE during Trump’s first term, Shaub said in remarks at the Brookings Institution Trump’s plan to handle his financials while in office, “doesn’t meet the standards that the best of his nominees are meeting and that every president in the past four decades has met.” 

The scale of transactions stemming from Trump’s accounts has also prompted criticism from politicians like Sen. Elizabeth Warren (D-Mass.) and Rep. Robert Garcia (D-Calif.), who in a letter to Trump said: “The sheer volume of this trading activity and the timing of a number of transactions, raise questions about whether you are using your knowledge of government activities, your official authority, or the vast megaphone provided by the Presidency to make investments or move markets to your personal benefit…”

Yet meanwhile, Trump has backed new restrictions on stock trading for members of Congress. The Trump administration in July said it “strongly supports” the Stop Insider Trading Act, that would prohibit members of Congress and their families from buying stock in companies while in office. The bill was opposed by some Democratic lawmakers because it includes a provision that would impose new ID requirements for voting in federal elections. 

While the House passed the bill this summer, it is still being considered by the Senate. The bill’s restriction on trading would not apply to the president and vice president.  

X Money Drops Premium Requirement, Offers Up to 6% APY


X Money Drops Premium Requirement, Offers Up to 6% APY

X Money has made an important change to its new financial account: an X Premium or Premium+ subscription is no longer required. That’s notable because the monthly or annual subscription cost previously ate into the value of the account. Doctor of Credit reported the change on September 23.

X Money offers up to 6% APY, although eligibility varies. X’s official site says Premium+ users qualify for 6%, while other users may qualify for the boosted rate by meeting the qualifying direct-deposit requirement. X Money is not itself a bank; funds are held at Cross River Bank and other FDIC-insured institutions, with X advertising up to $10 million in FDIC coverage through its cash sweep program, subject to applicable requirements.

New York Residents Get a $300 Bonus Instead

There’s an important difference for New York residents. X Money does not currently pay interest in New York. Instead, New York customers can earn a $300 bonus after receiving $3,000 in qualifying direct deposits.

X defines a qualifying deposit as an ACH direct deposit with a PPD SEC code or qualifying X Creator payouts from Original Content Rewards, Creator Revenue Sharing or Creator Subscriptions. See terms here.

Up to 3% Cash Back With X Card

The X Card also offers up to 3% cash back on eligible purchases. However, the exclusion list has recently expanded and now includes categories such as utilities, wholesale clubs, insurance premiums, colleges and universities, and jewelry stores, in addition to several previously excluded categories (Utilities, Wholesale Clubs, Jewelry Stores, Watches, Clocks, and Silverware Stores, Insurance Underwriting, Premiums Colleges, Universities).

There’s also reportedly a $25 signup bonus, although some users have received only $15.

Guru’s Wrap-up

Dropping the X Premium requirement makes X Money considerably more interesting. Up to 6% APY plus up to 3% back on debit card purchases is a good combination, although you’ll want to pay attention to the growing list of excluded purchases.

These rates might not last long, but it should still be worth signing up and take what you can.

Better Copy Starts With Listening to Your Customers


Catch the Full Episode:

Overview

Your customers usually describe your value better than you do. In this episode, John Jantsch sits down with Joanna Wiebe to talk about getting their words onto your website, into your emails, and in front of the prospects who look just like them.

Wiebe lays out a lean approach to voice of customer research that a small business can set up in an afternoon. She explains how to put your messages in the right order so prospects move from feeling a problem to choosing you. She also shares where AI belongs in the process and where you should keep your own hands on the keyboard.

This one is for small business owners, marketers, and consultants who want copy that sounds like their best customers wrote it.

About the Guest

Wiebe is the founder of Copyhackers, and many copywriters call her the original conversion copywriter. For more than 15 years, she has taught copywriters, marketers, and founders to write copy that sells, with clients ranging from early-stage startups to AWS and Calendly. Her newest book is The Copyselling System: Write to Sell with the Secret Formula for Maximizing Revenue.

Key Takeaways

  • Interview about 7 customers, and choose the ones you most want more of. If you only have 2 ideal customers, interview those 2 and skip the rest.
  • Add one survey question to every confirmation page in your business: “What was going on in your life that brought you to [action] today?” Use a long answer box and pipe responses into Slack or a spreadsheet so your team sees them.
  • Before rewriting anything, find the bottleneck in your growth. Write a 1-page solution design by hand that names the constraint and shows where copy does and doesn’t fit the fix.
  • Move prospects through the stages of awareness in order. Start with problems in their life or business, then category challenges, and only then your product.
  • Let AI sort voice of customer data from sales call notes and online conversations into a shared message matrix spreadsheet. Your team writes the emails, and 60 words is a good target.

Great Moments

  • [05:57] Jantsch points out that people who answer a post-signup survey are making a small commitment that makes them more engaged with the business.
  • [14:38] Jantsch describes how marketers have lost control of the customer journey over the last 5 years because the way buyers research and buy has changed so much.
  • [13:28] Wiebe explains why prospects can’t tell your AI feature from a competitor’s weaker one, and why your copy should blame the category instead of the buyer.
  • [16:20] Jantsch asks whether businesses now need pricing, full reviews, and every case study online to answer the 100-word prompts buyers type into AI tools.
  • [22:10] Wiebe describes the “brain dulled” feeling of reading an AI draft and deciding to scrap it and write the thing yourself.

Memorable Quotes

  • “All we’re doing with research is trying to learn how to clone our best customers. And the way to clone them is to know what’s going on in their head and throw it on the page so everybody else who’s like them sees it.” – Joanna Wiebe
  • “The Copyselling System is intentionally called copyselling, not copywriting. Stop thinking about it as writing, just stop. Now we’re copyselling.” – Joanna Wiebe
  • “This is a place where you can start training AI on your message matrix, knowing that it’s more about AI knowing what to say about you than it is about you saying that thing about you on your website anymore.” – Joanna Wiebe
  • “AI came to party and I think we should party. But that means it has to come through for us too. We don’t just blindly accept whatever it says.” – Joanna Wiebe
  • “Humans make mistakes in their writing. They do run-on sentences, they abbreviate things, they use slang. Good human writing sounds like human talking, and if you read some of the AI copy, you think, I would never speak like that.” – John Jantsch

Resources

AI copywriting, Content Marketing, conversion copywriting, Copyhackers, copyselling, Copywriting, customer interviews, customer research, email marketing, Joanna Wiebe, message matrix, Small Business Marketing, stages of awareness, voice of customer, website copy