The night someone wired his company sixty four million dollars, David Metz's first thought wasn't victory. It was, who am I to deserve this? David is the founder and CEO of Prizeout, a fintech company that partners with credit unions to put rewards and cash back into the pockets of middle America. But he didn't set out to build a fintech. He was running a real-money trivia app, FleetWit, when he noticed customers cashing out their winnings to gift cards for brands they'd never used. One cold call to Papa John's later, he walked into his board and said, "Don't kill me. We're going from trivia to fintech." This conversation isn't really about a startup. It's about what it takes to build something durable without losing yourself in the process. David and Wael get into resilience, leadership, and the parts of the founder journey nobody romanticizes. Why being a CEO is service, not power. Why he raises money from entrepreneurs instead of VCs. How he keeps his kids close to adversity while living in a city that makes comfort easy. And why, after everything, he believes the real secret is gratitude. In this episode:• Turning a trivia app into a $64M fintech, almost by accident• Why a CEO's real job is service, not power• Raising from founders instead of VCs, and the mentors who "have been there"• Credit unions, middle America, and building something that helps• Pivoting without ego, and why "we suffer more in imagination than in reality"• Building culture by example, and why the founder eats last• Raising resilient kids, and the gratitude that outlasts any number Chapters:00:00 The intro00:35 Old friends: how David and Wael met02:39 Recreating the team: from D1 sports to startups05:29 Born or made? Entrepreneur parents and ADHD as a superpower07:07 What success actually looks like now10:00 Why he raises from founders, not VCs12:30 FleetWit and the accidental pivot to fintech15:44 Keeping the whole cap table whole16:37 Credit unions and helping middle America19:43 Changing direction without ego22:33 Get rich slowly (Buffett and Bezos)27:29 Why being a CEO is service, not power29:18 Hiring people who complete you32:18 Breaking points, armor, and "the worst thing is fine"38:14 Raising kids who know adversity46:49 Building culture, and why you eat last51:21 What success doesn't fix: gratitude55:11 The question we're not asking: nobody knows when He closes on a line from Marcus Aurelius. Nobody knows when. So did you seize today, did you tell the people you love that you love them, did you give it everything you had? Because the number was never the point. The way you build, and who you become doing it, is. The Messy Middle is a cinematic interview series hosted by filmmaker and creative director Wael Abou-Zaki. It sits with entrepreneurs, artists, and builders to uncover the truth about growth: the process, the pivots, the doubts, and the breakthroughs between chaos and clarity. New episodes the first Monday of every month. Listen to the full series: https://www.youtube.com/playlist?list=PLmsSIvOwknmLCq4k56pIqAxrkoz1JOCLG #DavidMetz #Prizeout #TheMessyMiddle #Fintech #Entrepreneurship #StartupFounder #Leadership #CreditUnions #Resilience #VentureCapital