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Rakuten: $500 Lettuce Financial Bonus


The Offer

Direct link to offer

  • Rakuten is offering a $500 bonus when you sign up for a new Lettuce Financial pro of premium account. Account must be active and in good standing, and your subscription must not be canceled or refunded, on the 120th day after your first payment.

The Fine Print

  • Cash Back provided by Rakuten, not Lettuce Financial (“Lettuce”). Cash Back is only available for new Lettuce customers (one Cash Back offer per customer and per business) who click through the Rakuten link and sign up for a new paid Lettuce subscription. Customers who have had a Lettuce account before, or who signed up through another promotion or referral offer, are not eligible. Lettuce accounts will be reviewed to determine eligibility. If requirements have been met, Cash Back will be automatically added to your Rakuten account within 120 days of your first subscription payment. Lettuce reserves the right to change these terms or end this promotion at any time and without prior notice. This offer is not transferable and cannot be combined with other offers. Must be at least 18 years of age and a legal U.S. resident with a U.S.-registered business to be eligible. This promotion is subject to all applicable federal, state, and local laws and regulations. 
  • Cash Back amount subject to change and determined based on the date the customer clicks the Rakuten link.

Our Verdict

Some things to note:

  • Cheapest plan is $49 per month, if your revenue is over $50,000 you’ll be charged $299 per month
  • You need an EIN and Articles of Organization. They can form an LLC for you but this will wipe out any profit
  • Opening an account automatically opens a bank account, but you can set up a credit card as backup payment for your monthly fees

You’ll end up paying ~$250 in monthly fees to this is a $250 profit. You can earn American Express Membership Rewards or Bilt points instead of cash back. If you’re new to Rakuten, use a referral link to get an extra $50 – check out this post for details.

Hat tip to reader BankBetter

5 Responsibilities Every Business Owner Must Learn to Carry


Opinions expressed by Entrepreneur contributors are their own.

Key Takeaways

  • The habits that got you through the startup phase can quietly become the obstacles to sustainable growth.
  • The Five Carries (Up, Down, Across, Forward, Within) are lenses for reassessing responsibilities you already hold, not new ones to add.
  • Success means deciding what to carry, what to share and what to release, while keeping the capacity to enjoy what you’ve built.u003cbru003eu003cbru003e

Entrepreneurs are often praised for their ability to carry enormous responsibility. They build companies, manage employees, serve customers, make payroll and navigate uncertainty, sometimes all before lunch.

In the beginning, carrying everything can feel necessary. You become the salesperson, marketer, accountant and customer service department because there’s nobody else to do it.

But something changes as the business grows. The responsibilities multiply, and the habits that helped you survive the startup phase can become obstacles to sustainable success.

You may have built a thriving business while becoming exhausted, disconnected from your family or unable to imagine the company functioning without you.

The problem isn’t necessarily that you’re carrying too much. It’s that you haven’t reconsidered what you’re carrying, why you’re carrying it and whether it’s still yours to carry.

That’s the thinking behind a framework I call The Five Carries.

Why carrying everything eventually stops working

Entrepreneurial ambition can make overextension feel like commitment. Yet research suggests that passion alone doesn’t protect founders from exhaustion.

A study discussed in Harvard Business Review examined how entrepreneurial passion, work characteristics and beliefs about success relate to burnout. Its findings challenge the assumption that loving your business automatically makes relentless work sustainable.

The pressure extends beyond founders. Gallup’s State of the Global Workplace 2026 report found that global manager engagement declined from 31% in 2022 to 22% in 2025. Managers, like entrepreneurs, frequently navigate competing expectations without sufficient capacity to meet them.

The lesson isn’t that responsibility should be avoided. It’s that responsibility must be managed intentionally.

The Five Carries framework organizes those responsibilities into five directions.

1. Carry Up: Manage the expectations above you

Entrepreneurs may not have traditional bosses, but they still answer to investors, lenders, boards, customers and their own ambitions.

Carry Up involves managing those expectations without allowing them to dictate every decision.

Consider a founder who promises aggressive expansion to investors while privately recognizing that the team lacks the resources to deliver. Carrying up effectively means communicating reality, negotiating priorities and setting responsible expectations rather than making commitments the business cannot sustain.

Ask yourself: Whose expectations am I carrying, and have I agreed to more than I can responsibly deliver?

Leadership sometimes requires the courage to disappoint someone today to protect the business tomorrow.

2. Carry Down: Develop the people depending on you

Employees depend on business owners for direction, resources, opportunities and a working environment where they can succeed.

But carrying down doesn’t mean absorbing everyone’s problems.

A founder who personally resolves every employee challenge may feel indispensable while unintentionally preventing the team from developing independence.

Effective leadership involves providing clarity, coaching and accountability so others become increasingly capable.

Instead of asking, “How can I solve this for my team?” consider asking, “How can I help my team become capable of solving this without me?”

The objective isn’t to become less supportive. It’s to make support developmental rather than dependency-producing.

3. Carry Across: Strengthen the relationships beside you

Entrepreneurship is rarely an individual achievement, even when one person’s name appears on the company.

Business partners, spouses, colleagues, suppliers and professional peers often carry consequences of entrepreneurial decisions.

Yet these relationships can receive whatever attention remains after urgent business demands.

The American Psychological Association’s 2024 Work in America survey found that 43% of workers reported typically feeling tense or stressed during the workday, rising to 61% among those experiencing lower psychological safety.

Although those findings aren’t specific to entrepreneurs, they illustrate why healthy working relationships deserve deliberate attention.

Carrying across means collaborating rather than controlling, communicating rather than assuming and recognizing that your success affects people who don’t report to you.

Ask yourself: Which important relationship is receiving the leftovers of my time, energy and attention?

4. Carry Forward: Build for the future, not just today

Entrepreneurs can become so consumed with immediate demands that they neglect the future they’re supposedly building.

Carry Forward involves preparing for what comes next: succession, organizational resilience, financial security, leadership development and the legacy of the business.

Imagine two founders operating similarly profitable companies.

One remains involved in every significant decision. The other invests in systems, develops successors and builds a leadership team capable of operating independently.

Both may be successful today, but only one is deliberately reducing the company’s dependence on its founder.

Carrying forward requires moving beyond the question, “What does my business need from me today?”

It asks, “What must I build today, so the business and the people connected to it can thrive tomorrow?”

5. Carry Within: Protect the person behind the business

This may be the most overlooked responsibility of entrepreneurship.

Carry Within concerns the physical, mental and emotional capacity required to sustain everything else.

A founder can become so identified with the business that personal well-being feels secondary to professional achievement.

Sleep becomes negotiable. Exercise gets postponed. Family time becomes conditional. Recovery feels like something to earn after the next milestone.

But your business cannot continually draw from capacity you never replenish.

Carrying within isn’t about avoiding hard work. It’s about recognizing that the entrepreneur is part of the enterprise’s long-term sustainability.

If your business succeeds only while your health, relationships and sense of purpose deteriorate, it’s worth questioning what success actually means.

A better question for every entrepreneur

The Five Carries aren’t five additional responsibilities to pile onto an already crowded calendar. They’re five lenses for evaluating the responsibilities you already have.

Start with a simple exercise. Write down your biggest current obligations and identify which carry each belongs to. Then ask three questions:

What am I carrying? What am I going to carry? What am I finally ready to stop carrying?

You may discover that some responsibilities require greater attention, others need to be delegated and a few should never have remained yours in the first place.

Entrepreneurship will always involve responsibility. The goal isn’t to build a life without weight.

It’s to develop the judgment to carry what matters, share what shouldn’t be carried alone and release what no longer serves the future you’re building.

Because the ultimate measure of entrepreneurial success shouldn’t simply be how much you’ve managed to carry.

It should be what you’ve built, who you’ve helped and whether you still have the human capacity to enjoy it.

Key Takeaways

  • The habits that got you through the startup phase can quietly become the obstacles to sustainable growth.
  • The Five Carries (Up, Down, Across, Forward, Within) are lenses for reassessing responsibilities you already hold, not new ones to add.
  • Success means deciding what to carry, what to share and what to release, while keeping the capacity to enjoy what you’ve built.u003cbru003eu003cbru003e

Entrepreneurs are often praised for their ability to carry enormous responsibility. They build companies, manage employees, serve customers, make payroll and navigate uncertainty, sometimes all before lunch.

In the beginning, carrying everything can feel necessary. You become the salesperson, marketer, accountant and customer service department because there’s nobody else to do it.

But something changes as the business grows. The responsibilities multiply, and the habits that helped you survive the startup phase can become obstacles to sustainable success.

What Are Physicians Asking AI? A JAMA Study of 952,008 Clinicians



Last updated: November 6, 2026. Based on a JAMA study published October 15, 2026.

Nearly a million U.S. clinicians, more than half of them physicians, have left a record of what they ask AI, and a new JAMA study just analyzed it.

The short answer: U.S. clinicians, including 556,200 physicians, asked OpenEvidence, an AI clinical information platform, 271 million questions between January 2024 and June 2026. Among physicians, treatment and management questions (33.1%) outnumbered diagnosis questions (13.9%) by more than two to one. Nurse practitioners and physician assistants asked the most questions per user, and early-career physicians used the platform well above their share of the workforce, according to a study published in JAMA on October 15, 2026.

The study fills a gap. Its authors note that empirical evidence on how doctors and other clinicians use AI tools has been limited. It covered everyone on the platform, and the rest of the users included nurse practitioners and physician assistants, so some figures below describe all clinicians and others describe physicians only. Each is labeled.

Researchers at Harvard Medical School and Mass General Brigham conducted the study with co-authors from OpenEvidence and other institutions. Three co-authors were OpenEvidence employees, and the company supplied the data, which readers can weigh when reading the results.


Disclaimer: While these are general suggestions, it’s important to conduct thorough research and due diligence when selecting AI tools. We do not endorse or promote any specific AI tools mentioned here. This article is for educational and informational purposes only. It is not intended to provide legal, financial, or clinical advice. Always comply with HIPAA and institutional policies. For any decisions that impact patient care or finances, consult a qualified professional.

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Key numbers at a glance

Measure Finding
Study period January 1, 2024 to June 30, 2026
Clinicians (all) 952,008, including 556,200 physicians
Questions submitted (all clinicians) 271 million
Monthly active users (all clinicians) 355 (January 2024) to 703,265 (June 2026)
Questions per active user per month (all clinicians) 18.0 to 39.5
Questions per active user per month (physicians) 37.1
Top physician purpose Treatment and management (33.1%); diagnosis (13.9%)
Questions outside own specialty (physicians) 35% (oncology and hematology) to 88% (emergency medicine)
Source: Patel et al., JAMA, October 15, 2026.

What did the JAMA study look at?

The researchers analyzed accounts verified through National Provider Identifier numbers, so every user was a licensed clinician. In all, 952,008 clinicians, including 556,200 physicians, submitted 271 million questions over 30 months.

Nobody can read 271 million questions by hand. The team took a random sample of 38.8 million, built to represent different user groups, and used a large language model to label each question by clinical purpose and topic. The category percentages come from an AI classifier, not from people reviewing each question.

How fast is clinician AI use growing?

In January 2024, 355 clinicians used the platform in a month. By June 2026, the monthly count was 703,265. Average questions per active user rose from 18.0 to 39.5 each month, so more clinicians joined and those using it asked more. Becker’s Hospital Review reported that month-to-month retention climbed from about 70% to 90%.

Who uses clinical AI the most?

Nurse practitioners and physician assistants each averaged 44.5 questions per active user per month. Physicians averaged 37.1.

Career stage showed a larger gap. The study reports a “use ratio,” which compares a group’s share of questions with its share of the national workforce. A ratio of 1.0 means use in proportion to size. Physicians within a decade of graduation scored 2.54, and residents and fellows scored 1.84. Becker’s reports the same pattern in raw shares: physicians within a decade of graduation were 24.3% of the physician workforce and sent 61.8% of physician questions.

Specialty mattered too. Oncology and hematology (2.00), internal medicine (1.88), and family medicine (1.80) ran above their workforce share. Ophthalmology (0.23), radiology (0.24), and orthopedics (0.24) ran far below, at roughly a quarter of their share. The study describes these patterns but does not test why they exist.

What do clinicians ask AI about?

Most questions (51.9%) concerned clinical decision-making. Among physician questions, treatment and management made up 33.1% and diagnosis 13.9%, so physicians asked about treatment and management more than twice as often. The authors conclude that use was “frequently for treatment decisions rather than diagnostic tasks.”

Becker’s reports that the authors see a gap here: most clinical AI evaluations test diagnostic accuracy and knowledge recall, while treatment selection, medication guidance, and evidence synthesis remain largely unmeasured. The paper does not explain why clinicians ask about treatment more.

How often do physicians ask outside their own specialty?

It depends heavily on the field. Among oncologists and hematologists, 35% of questions fell outside their specialty. Among emergency department physicians, 88% did. The authors caution that part of this pattern may reflect how broad the platform’s content is, since it has content partnerships with several major medical publishers. The study does not explain the rest.

What can’t this study tell physicians?

Several limits matter before anyone repeats these numbers.

The study measured users, questions, share relative to the workforce, and the purpose and topic of questions. It did not measure accuracy, safety, or patient outcomes. A tool can be widely used and still be right or wrong in any given answer, and this study cannot separate the two.

It covers one platform, and the authors note that patterns may not carry over to tools with different content access. The data also end in June 2026.

The authors’ ties matter as well. According to the JAMA disclosures, a co-lead author was a salaried OpenEvidence employee, and OpenEvidence provided the data and contributed to the analysis. Becker’s reports that two other co-authors, including the company’s chief medical officer, were also employees. The paper went through JAMA’s peer review, and the disclosures are public, so readers can weigh them alongside the findings.

Becker’s also notes that the authors treat their counts as lower bounds, because the study included only questions typed into the platform’s main interface.

How should physicians read a usage study?

Studies about AI in medicine answer different questions. A usage study asks who uses a tool, how often, and for what. An accuracy study asks how often the tool is right. An outcomes study asks whether patients did better.

This paper is a usage study, and a cross-sectional one, which describes patterns in data collected over a period. It can show that early-career physicians use the platform more. It cannot show that using it changed their care, learning, or careers. JAMA ran an editor’s note with the paper, noting that these tools affect how clinicians learn and weigh evidence, not only how they look things up.

Three questions help with any study of this type. What exactly was measured? Who supplied the data and helped analyze it? Does it say anything about quality, or only about popularity?


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The bottom line

AI clinical reference tools are now part of everyday work for many U.S. clinicians, physicians included, and use is still growing. Treatment questions outnumber diagnostic ones, early-career physicians and nurse practitioners and physician assistants use the platform most, and many questions reach beyond a clinician’s own specialty.

The study leaves accuracy and patient outcomes open, and those need other kinds of research. Until then, a usage study like this one is best read as a measure of adoption, not of quality.

What do you think? Do you agree with what the research found? Let us know in the comments!


Download The Physician’s Starter Guide to AI – a free, easy-to-digest resource that walks you through smart ways to integrate tools like ChatGPT into your professional and personal life. Whether you’re AI-curious or already experimenting, this guide will save you time, stress, and maybe even a little sanity.

Want more tips to sharpen your AI skills? Subscribe to our newsletter for exclusive insights and practical advice. You’ll also get access to our free AI resource page, packed with AI tools and tutorials to help you have more in life outside of medicine. Let’s make life easier, one prompt at a time. Make it happen!


Disclaimer: This article is for general informational and educational purposes only. It does not constitute medical, legal, compliance, or professional advice. The information provided here is based on available public data and may not be entirely accurate or up-to-date. It’s recommended to contact the respective companies/individuals for detailed information on features, pricing, and availability. All screenshots, if any, are used under the principles of fair use for editorial, educational, or commentary purposes. All trademarks and copyrights belong to their respective owners.

If you want more content like this, make sure you subscribe to our newsletter to get updates on the latest trends for AI, tech, and so much more.

Further Reading



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Can You Qualify For An FHA Loan During An Open Chapter 13 Bankruptcy?


Many borrowers assume they must wait until their Chapter 13 bankruptcy is discharged before they can qualify for a mortgage. That is not always the case. FHA guidelines may allow a borrower to purchase or refinance a home while still making payments under an active Chapter 13 repayment plan. However, the borrower must satisfy specific requirements, and the loan will require careful documentation and underwriting.

FHA Requirements for an Open Chapter 13 Bankruptcy

A borrower may be considered for FHA financing before the Chapter 13 bankruptcy is discharged when the following conditions are met.

  • A minimum of 12 full months of payments must have been made under the court-approved repayment plan.
  • All required payments must have been made on time.
  • The borrower must obtain written permission from the bankruptcy court to enter into the proposed mortgage transaction.
  • The borrower must demonstrate the ability to manage the new mortgage payment together with the existing Chapter 13 obligation.
  • No payment-plan modifications should have been required because of continued financial hardship.
  • The borrower must satisfy all other FHA credit, income, asset, and property requirements.

The Chapter 13 payment will generally be included in the borrower’s debt-to-income calculation unless applicable guidelines permit different treatment.

Manual Underwriting May Be Required

When the Chapter 13 bankruptcy remains open, the loan will generally require manual underwriting. Manual underwriting may also apply when the bankruptcy was discharged less than two years before the FHA case number was assigned. Unlike an automated approval, manual underwriting involves a more detailed review of the borrower’s overall financial profile.

  • Housing-payment history
  • Chapter 13 payment history
  • Employment and income stability
  • Current debt obligations
  • Available funds and financial reserves
  • The circumstances that contributed to the bankruptcy
  • The borrower’s reestablished credit history

Additional reserves and compensating factors may be required, depending on the borrower’s debt-to-income ratio and the applicable underwriting guidelines.

Court Permission Is Essential

Making 12 months of timely Chapter 13 payments does not automatically authorize a borrower to obtain a mortgage. The borrower must obtain written approval from the bankruptcy court before entering into the transaction. The court or bankruptcy trustee may review the proposed mortgage payment, loan terms, housing expenses, and the borrower’s ability to continue making payments under the existing repayment plan. Borrowers should discuss the proposed transaction with their bankruptcy attorney early in the mortgage process.

An Open Chapter 13 Does Not Automatically End Your Homeownership Plans

Chapter 13 bankruptcy is intended to help consumers repay their obligations through a structured court-supervised plan. A borrower who has consistently honored that plan may not have to wait until discharge to pursue FHA financing. Every file must still be reviewed individually. Satisfying the minimum 12-month payment requirement does not guarantee approval, and individual lenders may impose requirements beyond FHA’s minimum standards.

Contact us to discuss your financing options and the documentation needed to begin the review.

 

I Tried to Prove AI Was a Bubble


Falling rental prices alone would not overturn my thesis. Efficiency improvements, technological substitution and additional supply can lower prices even as adoption expands. I would become more cautious if sustained declines across comparable rental markets coincided with weaker utilization, contract cancellations and deteriorating customer economics. Prices alone cannot establish utilization or customer profitability.

4. Leverage

Leverage can turn a valuation correction into a financing crisis. The Federal Reserve’s May report described resilient banks alongside record-high hedge-fund leverage [21]. The IMF’s October analysis adds a more direct AI warning: 14 transactions since 2023 involved about $300 billion of equity and $650 billion of debt against $1.4 trillion of future revenue commitments [18]. Those commitments are not realized sales. Stress at a major customer could simultaneously impair revenue, investment values and debt. I therefore treat financing risk as yellow, with greater urgency than before.

Speculation also deserves a less reassuring label. Cboe reported that estimated retail options flow reached a record in September, even as overall Q3 options activity moderated [19]. Renaissance Capital’s public Q3 preview counted 30 US IPOs raising $32.8 billion, including SK Hynix’s $26.5 billion offering [20]. That concentration does not establish a broad flood of weak issuers, but neither does it rule out excess in private AI markets.

5. Vertical Price Action

Acceleration matters more to me than a large cumulative gain. What makes me cautious is not just that an asset rises a lot, but that the final leg becomes unusually steep or almost vertical. That pattern often reflects a shift from fundamentals-led repricing to momentum, leverage and fear of missing out.

Table 3 provides historical context for that warning sign. The episodes have different assets, contract structures and measurement windows; they are not comparable return benchmarks or a threshold that identifies a bubble. In particular, a semiconductor stock rally can reflect both earnings growth and speculation. I therefore view vertical price action as a warning signal that deserves attention, but not as conclusive evidence of a market-wide bubble.

Table 3. Historical Context for Rapid Price Acceleration

[INTERVIEW] Who is GigSky?



Please tell us about yourself and your role with GigSky.

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The post [INTERVIEW] Who is GigSky? appeared first on Pointshogger.

A quarter of Gen Z would choose a dream home over a dream job, so they’re moving home to save



Gen Zers are so desperate to get a home of their own they’re increasingly willing to make trade-offs—even if it means putting opportunities on the back burner and moving back in with mom and dad.

Around 28% of Gen Z adults say they would choose their dream home over their dream job, according to new Harris Poll data commissioned by Coldwell Banker Real Estate.

About 92% of the young generation who aren’t homeowners want to buy one day—even if it means setting aside other big life goals. And to make it happen amid a stifling cost-of-living crisis, many are settling down in their childhood bedrooms; more than three-quarters of Gen Zers have moved in or considered living with their parents or in-laws to save up for a home. 

They’re part of a growing number of young Americans putting off traditional milestones of adulthood, as living with family becomes a more practical and increasingly culturally accepted way to get ahead financially.

“Gen Z is telling us loud and clear that owning a home is still the milestone that says you’ve made it,” Mary Lee Blaylock, president of Coldwell Banker Affiliates, tells Fortune in a written comment. “Many are moving back in with family and making real sacrifices now because they see homeownership as the foundation for the life they want to build.”

Despite how out-of-reach homeownership can look, it’s still an integral achievement for people to feel like they’ve made it; around 85% surveyed said owning a home is part of the American Dream for most Americans, unchanged from 2025, according to the Coldwell report. Knowing how difficult it is to buy, some young families are already planning ahead so their kids don’t face the same hurdles. Around 85% of Gen Z and 82% of millennial parents have started saving for a child’s home down-payment, or at least considered it.

Why Gen Z and young millennials are delaying their move-out

A record 25.2 million U.S. adults under the age of 35 lived with their parents in 2025—representing about one in three young adults—according to a 2026 report from Realtor.com. It was even higher than the pandemic-era surge, when many budding professionals returned home to ride out the pandemic with their loved ones.

However, it doesn’t mean that Gen Zers and young millennials are jobless and mooching off their family resources. 

In fact, around 70% of 25 to 34-year-olds who still live at home with their parents are actually employed, according to the report. Plus, around 72% of young adults who live with their parents say they contribute financially to the household in some sort of way, according to 2024 data from Pew Research. About 46% contribute toward rent or the mortgage, while 65% put in money towards the family groceries, utilities, or other household expenses.

But many have found they can’t fly the coop just yet, as pay increases have failed to keep pace with skyrocketing housing costs. 

In 2025, the median American home price was $430,000, up 34.4% from 2019, according to the Realtor.com report. Meanwhile, average monthly rent shot up by 17.9% to $1,673. And a housing shortage of roughly 4 million homes is only exacerbating the issue.

Instead of kicking back, most workers are postponing their move-out plans thanks to an affordability crisis pinching the wallets of everyday Americans. And as professionals on the lowest rung of the corporate totem pole, their rock-bottom salaries, job instability, and lack of savings may be keeping them home.

The American Dream has changed: ‘We are going to start looking a lot more like Europe’

For younger Americans, moving back in with their parents is no longer necessarily a temporary detour on the path to independence. Instead, it may be a longer-term lifestyle shift, as the financial and cultural barriers to multigenerational living continue to fall.

“Now since rates have been going up and affordability remains very stretched, we’re seeing [multigenerational living] increase,” Ivy Zelman, cofounder and executive vice president at housing research firm Zelman, a Walker & Dunlop Company, said during a roundtable discussion Fortune attended earlier this year. “We assume that it’s going to stay fairly stable as we continue into the second half of the decade.”

The proportion of adults in their twenties and thirties living at home has continued to rise in recent years, and shows no sign of letting up. Back in 1980, only around 15% of these younger adults opted to live with their parents. 

Now, around 22.4% of Gen Zers and millennials are bunkering down with their families, according to recent data from Zelman. And the real estate firm predicts that number won’t budge by 2030. Echoing the Realtor.com data, Zelman also found that young adults face a cost-of-living crisis and lackluster salary increases; only 44% of 20- to 39-year-olds could afford their median local rent. And beyond affordability, the firm noted that a cultural change is underway. 

“We also believe that there’s a secular shift in how people are living,” Zelman continued, explaining that when you look “at young adults today that are happy or content living with their parents, the negative stigma is really no longer prevalent. We are going to start looking a lot more like Europe: multigenerational living.”

How You Know Instagram Edits on the Mac Is About More Than Making Reels




How You Know Instagram Edits on the Mac Is About More Than Making Reels

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The discount applies to eligible listings when you enter the code at checkout.

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