If you talk to a fintech entrepreneur about their business, chances are they’ll end up talking about ledger issues at some point. A ledger is a record of money movements that serves as the source of ...

This as-told-to essay is based on a conversation with Sushma Kukkadapu, a 28-year-old software engineer in Bentonville, Arkansas. The following has been edited for length and clarity. I grew up in ...