My word for this year is “hygiene”.

Hygiene makes you think of scrubbing under your armpits, bleaching bathroom tiles, throwing out whatever's growing in the back of the fridge.

But hygiene is about more than being squeaky clean.

“Hygiene” comes from Hygieia, the Ancient Greek goddess of health, and it’s actually about “living well”. Her whole thing wasn't curing disease, it was maintaining harmony, tending to the foundational stuff so everything else could thrive.

That's the hygiene I'm talking about.

It's the foundation of everything we build.

I have a confession.

Despite running a company, despite years of consulting, despite being the kind of person who color-codes her calendar: I'm not organized with my personal finances. I know generally how much I have in the bank. I'm careful with what I spend. I pay off my credit cards on time. But if you asked me the exact details of my 2025 transaction history, I couldn't tell you.

I'm changing that this year.

They say ignorance is bliss. But ignorance isn't peace. Ignorance is what's standing between you and financial autonomy. Between you and actual clarity about what to do next.

Hygiene creates clarity. 

You can't make real decisions about where to invest, what to prioritize, what to cut, when you're operating without precise information. The boring, unsexy work of getting organized is what makes everything you want possible.

What's the one thing you've been putting off? That bloodwork you keep rescheduling. Actually looking at your bank statements. Investing in a few index funds monthly.

I've been guilty of all of it.

There's this specific fear that shows up right before you open test results, right before you look at a bank statement, right before you step on a scale. What is that fear actually about?

For me, somewhere along the way, numbers got tangled up with shame. With judgment. With some sense that whatever I found would confirm something I didn't want to be true about myself.

So it became easier to live in "everything's fine, right?" without actually knowing if everything was fine. But when you're operating from that place, choices feel ungrounded. You can't build anything solid on a foundation you've never looked at.

This is the foundational work.

Where are you starting this year? What needs to be cleaned up?

This Week in Crypto — SheFi Edition 🏇

Making Sense of Crypto News.

If you only look at price, this week feels noisy and confusing. But if you look at what’s being built, the direction is actually pretty clear.

Here are the stories I think matter right now.

• AgentFi is starting to matter. We’re moving into a world where “AI agents” are not just chatbots, but autonomous onchain actors that can manage DeFi actions like routing, rebalancing, and staking. It’s early, but the trajectory is obvious: the interface to DeFi is going to become agents, not dashboards.

• Morgan Stanley filing for spot Bitcoin and Solana ETFs is a real signal. When a firm like Morgan Stanley files for crypto ETFs, it’s not a headline for crypto Twitter. It’s a signal to the broader financial system that these assets are being packaged into normal portfolios. That’s how mainstream adoption actually happens.

• Ethereum is trying to make itself feel like the internet. The Ethereum Foundation is pushing an “interoperability layer” so rollups feel like one network. The goal is that users stop thinking about chains entirely. The best crypto UX is when the crypto part disappears.

• Privacy is coming back as a serious narrative. As more finance moves onchain, privacy stops being optional. Bridging assets is easy. Protecting user metadata is hard. The projects that solve privacy well are building a real moat.

• Stablecoins continue to be the killer app. Banks and fintechs are using stablecoins and tokenized deposits as a practical upgrade to legacy rails. Real-time, 24/7 settlement without rebuilding the entire banking stack. This is the quiet revolution.

• Uniswap is entering a more “grown up” governance era. The UNIfication proposal is pushing Uniswap toward activating protocol fees and more explicit value capture. Whether you agree with the specifics or not, this is the larger trend: protocols are being forced to define how value flows, who benefits, and what token ownership actually means.

• The consumer wedge is ‘fantech’. Sports and music are becoming the onramp. Wallet-based loyalty, onchain tickets, and fan participation are pulling crypto into real communities. This is crypto that feels useful before it feels financial.

And yes, ETFs are still pulling—Spot Bitcoin ETF flows just printed their strongest day in months. The pipes are working. Capital is selective, but it’s not gone.

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SheFi & Crypto Events 🌎

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