In this episode of the SAAS Operators, we go from HVAC techs to stablecoins to tech debt, the question is the balance between speed to market and borrowing from the future.The trades, like HVAC techs, are winning because real work still needs to get done. Zach explains about how he's running ads for his brothers home services business, and says it’s basically shooting fish in a barrel. If he ever moves to the jungle he's turning into a media buyer.Then we talk about 2026, how building is getting cheaper, teams are getting smaller, and the bar is moving. Taylor Holiday describes stablecoins as contribution margin tech because traditional rails, wires and card fees are stuck in the Stone Age.The conversation closes on velocity and speed of change. How most decisions are two way doors, and why Jack believes shipping more, worrying less, and how “doing it right” kills momentum. But let's be honest, Jack's still learning about tech debt.