Hi Taylor: I saw that Square launched a new bank. What’s the deal there? Can any business become a bank? Are they trustworthy? How do I decide where to keep my money? — Lauren

Hey Lauren: When you step back to look at it, the evolution of banking and finance has been nuts over the last decade. Depositing checks on our phones, taking payments with personal credit card readers and doing all of our banking through companies that exist entirely online. It’s a far cry from the days of piggy banks at home and cash in a credit union vault.

Taylor Kovar is CEO of Kovar Capital. Read more about him at GoFarWithKovar.com.

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