In 2024, I stood at a crossroads that many professionals eventually face the choice between a structured, predictable path and an uncertain, demanding one. I had two clear options: A: Enroll in a PhD program B: Start a fintech Both were valid, both were meaningful but they were fundamentally different. One offered structure, recognition, and a defined journey. The other offered uncertainty, risk, and no guarantees. I chose to build a fintech today known as Twezimbe. At the time, it felt like a bold decision. In reality, it has proven to be one of the most difficult and stretching experiences…