I enjoyed reading this. I use Credit Karma and have loved the product and the philosophy behind it so I was looking to stalk whoever was running product at Credit Karma and stumbled onto this. I am glad I found it just in time for this point in my career when I am trying to navigate a number of the key questions the article touches on. Considentally I am also an immigrant and could relate to the sentiment you speak to towards the end of the article. Thank you so much for sharing.