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      "text": "2024\nAdjusted EBITDA Positive\nGrowth in MTMs: projected to turn break-even @ 2.2 - 2.4mm MTMs\nConservative assumptions on continued ARPU improvement\nFurther optimizing ExtraCash e.g. funnel, monetization\nGrowing cross-attach to Dave Card\nDeeper focus on incentivizing direct deposit relationships\nMargin expansion based largely on identified, quantifiable initiatives\nUnderwriting + settlement optimization; renegotiating contracts\nDriving direct deposit relationships as Dave Card matures\nIntensified focus on fraud controls and risk management\nOperating leverage of fixed cost base as variable profit scales",
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      "text": "Pre-4Q22\nContribution Profit Positive\nContribution margin profitable since pre-2020\nPositions Dave for profitability as it scales",
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