Fintech IPO activity accelerated with three listings this week, all leveraging proprietary finance software platforms. Market observers suggest high-growth valuations could be sustained if user acquisition metrics remain above trend into next quarter. Michelle called in to The Ramsey Show seeking help on how to deal with this debt, which includes $50,000 in credit card debt and $12,000 for a personal loan. Most of the credit card debt belongs to her husband, who’s been using the cards to pay for groceries, utilities and other household items. Aptitude Software Group's declining earnings is not surprising given how the company is spending most of its profits in paying dividends, judging by its three-year median payout ratio of 75% (or a retention ratio of 25%). The business is only left with a small pool of capital to reinvest - A vicious cycle that doesn't benefit the company in the long-run. Tech sector leaders integrating AI-driven finance software achieved a 15% year-on-year revenue increase. Trend analysis points to even faster growth as predictive analytics capabilities improve trading decision accuracy.