The last decade has lead to a massive amoutn of new instruments in the FinTech world. There are so many instruments to choose from. I got caught up in this world with money moved all over the place leading to all sorts of issues.

It has made my finances brittle. Because I got caught up I ended up speculating in things I had no mindset to invest in like real estate, crypto, and futures. This splitting of energies is painful and not fruitful. It becomes impossible to read a financial statement and you have no idea how you are performing. How do you value a speculative futures contract with a real estate investment and equities? You have to read them differently and if they are on the same balance sheet it becomes impossible to read.

So I am focusing on something very different from what I was doing previously: focusing. I am taking the cues of JP Morgan's Jamie Dimon and building a Fortress Balance Sheet. As I noted before my balance sheet is a mess. There are accounts all over with little pockets of money causing me all forms of confusion. To look at my balance sheet it is impossible to know how I am performing. So this is the primary focus of my next two years.

1. Move from the 10+ institutions I have assets to two. One for business and one for personal. Most of what I need are available at two banks/brokerages. I will be closing any other accounts I have and moved to similar resources within these two institutions. I will be moving away from neobanks alltogether.
2. Get rid of debt. Currently, I have a bunch of debt that I just can't seem to get rid of. So I will be doing whatever I can to get rid of this debt from the books even if it means becoming cash poor for a while.
3. Building deeper relationships with the two banks. Instead of spreading myself thin I will focus on building long term deep relationships with the two banks I am going to use.

The end result of this consolidation means I will only be focused on two businesses:

• Investments. Focused completely on the personal side of things I will be largely investing in public markets based on the methods of value investing.
• Ventures. Optimize for the same things I do in the public markets. The only reason I will take out dividends is to pay off debt, otherwise I will only give myself a base salary. The rest of the money will be reinvested into the growth of the Ventures business.

We now have five new members of the opsZero team who will be working on various projects related to our Ventures primarily focused on marketing and sales related work. They are:

• Swarup
• Vaishnavi
• Dhruva
• Swathi
• Nagaraj

This is an internal infrastructure update where we have setup Google Workspace according to products. Interestingly what M365 calls Sites can just be considered as Shared Drives in Google Workspace. We are now organized according to this structure. How this is setup is described in the Infra document.

Github is also organized according to products and agencies. An agency does the services work and then builds out individual products. This makes it easier to manage the code and the products.

WhatsApp is now used for a majority of the communication. We use communities and divide teams into various groups that execute tasks for their silos.

I now have a single financial infrastructure for the entire company. This allows me to run the company as a single person business.

All of these changes will help scale faster as we add 5 new members to the team this week.

Why We’re Consolidating on Google Workspace​

After spending the last year wrestling with Microsoft 365, we’ve decided to make a clean break and standardize our operations back on Google Workspace. The experience with Microsoft’s suite wasn’t just frustrating — it was actively slowing us down.

Microsoft 365: Built for Enterprise, Not for the Rest of Us​

At its core, Microsoft 365 feels like a suite built for large enterprises — and increasingly only for large enterprises. As a midmarket business, we found ourselves constantly running into limitations that weren’t due to lack of features, but due to complexity, brittleness, and weird user experiences.

Basic tasks often became tangled in layers of permissions, sync issues, or strange UI behavior. It felt like we were spending more time trying to make the tools work than actually using them. Worse, with Microsoft shifting 30% of its engineering focus toward AI, the quality of core features seems to have taken a hit. Things just don’t work as well as they used to — or as reliably.

While certain things like Excel are amazing, trying to make it work within the OneDrive ecosystem was a nightmare with endless amounts of lost syncs.

Why We're Going Back to Google Workspace​

Google Workspace isn’t perfect, but it is consistent, lightweight, and designed with modern workflows in mind. Its web-first architecture means apps are tightly integrated and behave predictably. It just works — which is what we want from tools that are supposed to help us move fast and collaborate seamlessly.

Beyond that, our long-term bet is on Gemini, Google’s AI offering. We believe that Google’s approach to AI — integrated deeply into everyday productivity tools — will yield better results for how we work. The synergy between Docs, Gmail, Sheets, and AI is already showing promise.

Final Thoughts​

This isn’t just a tooling decision — it’s a strategic shift. We want our team to spend time building and thinking, not troubleshooting and clicking through endless dialog boxes. We believe Google Workspace, with its simplicity and forward-thinking AI integration, is better aligned with the needs of agile, modern teams.

So yes — we’re consolidating on Google Workspace. And we’re not looking back.