Navy vet’s money hack is helping families skip payday lenders forever

On this episode of Warrior Money, Navy veteran and fintech CEO Dennis Cail shares how his personal journey from public housing to founding Zirtue shaped his mission to create financial equity through relationship-based lending. He explains how Zirtue replaces awkward IOUs between friends and family with structured interest-free digital promissory notes, offering a dignified and stress-free alternative to predatory loans. Cail also talks about supporting unbanked Americans, helping small businesses collect payments, and the power of entrepreneurship to break cycles of financial instability. Yahoo Finance's Warrior Money, hosted by former Congressman Patrick Murphy and veteran investor Dan Kunze, is dedicated to uplifting the financial well-being of military veterans transitioning into civilian life. Each week, an array of guests—from everyday vets to high-ranking government officials—offer insight on successfully making the leap from service to business. Thoughts? Questions? Fan mail? Email us at [e-mail].