# Sweety Bandgar

> Co-founder and CTO of a fintech startup. Learning by doing, and writing down what happened.

Essays on finance, markets, AI and the psychology of money. Written by
Sweety Bandgar. Full text of every post is available at https://sweetybandgar.com/llms-full.txt.

## Posts

- [Friction is a position](https://sweetybandgar.com/blog/friction-is-a-position/) (2026-09-25): If software can tell you are about to do something you will undo, what does it actually owe you?
- [Where the seniors come from](https://sweetybandgar.com/blog/where-the-seniors-come-from/) (2026-09-24): Junior work produced two things at once, and only one of them ever had a price on it. That is why the other can disappear without anyone recording a cost.
- [The price you paid](https://sweetybandgar.com/blog/the-price-you-paid/) (2026-09-23): People undo careful money decisions in seconds when they are down. What would a product look like if it were built around that instead of against it?
- [A reason to act, every hour](https://sweetybandgar.com/blog/a-reason-to-act/) (2026-09-22): Faster information does not mainly improve a decision about money. It multiplies the number of occasions for one, and those are not the same thing.
- [The button can't tell](https://sweetybandgar.com/blog/the-button-cant-tell/) (2026-09-21): A calm decision and a frightened one arrive at a money app as exactly the same tap, and the software has no way to know which one it is holding.
- [Nobody sets the price](https://sweetybandgar.com/blog/nobody-sets-the-price/) (2026-09-20): How a share price actually gets made, what an order book is really doing, and what changed when the people on both sides of it became machines.
- [What confidence is for](https://sweetybandgar.com/blog/what-confidence-is-for/) (2026-09-19): We hear a confident answer as a claim about the world. I think it was always a claim about who pays if it is wrong — and that is the part a machine cannot make.
- [A career with no finish line](https://sweetybandgar.com/blog/a-career-with-no-finish-line/) (2026-09-17): If AI scrambles careers rather than shortening them, the thing retirement loses is not the money. It is the date.
- [What a lottery ticket is actually selling](https://sweetybandgar.com/blog/what-a-lottery-ticket-sells/) (2026-09-16): Lottery tickets, astrology and hot stock tips survive cheap information because they were never answering an information question.
- [When every advisor agrees](https://sweetybandgar.com/blog/when-every-advisor-agrees/) (2026-09-15): If AI advisors start giving similar answers, does that make markets smarter or just more synchronised?
- [Why this site exists](https://sweetybandgar.com/blog/why-this-site-exists/) (2026-08-27): How I learn, why I write it down, and what you'll find here

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