# 80: Most of Us Are Human Beings

- Show: [Embedded.fm](https://hardwarepodcasts.com/podcast/embedded-fm)
- Published: 2014-12-10
- Length: 1h 15m
- Page: https://hardwarepodcasts.com/podcast/embedded-fm/2014-12-10-80-most-of-us-are-human-beings
- Listen: https://makingembeddedsystems.libsyn.com/embedded-ep80mp3

## Summary

Bill Winterberg, founder of FPPad, discusses his career transition from embedded systems engineering at LeapFrog to becoming a financial planner and technology adviser for financial advisors. He details his work on the LeapPad Learning System's audio library, the company's IPO, and his subsequent shift into financial services to help engineers navigate wealth management. Winterberg explains the rise of robo-advisors like Wealthfront and Betterment, the importance of fee-only fiduciaries, and resources like XY Planning Network and NAPFA for finding trustworthy advisors.

## Chapters

- [0:06](https://hardwarepodcasts.com/podcast/embedded-fm/2014-12-10-80-most-of-us-are-human-beings#t=6) Introduction: Bill Winterberg and LeapFrog
- [0:53](https://hardwarepodcasts.com/podcast/embedded-fm/2014-12-10-80-most-of-us-are-human-beings#t=53) Building the LeapPad Audio Library
- [9:01](https://hardwarepodcasts.com/podcast/embedded-fm/2014-12-10-80-most-of-us-are-human-beings#t=541) LeapFrog IPO and Financial Literacy
- [13:49](https://hardwarepodcasts.com/podcast/embedded-fm/2014-12-10-80-most-of-us-are-human-beings#t=829) Transition to Financial Planning and FPPad
- [24:18](https://hardwarepodcasts.com/podcast/embedded-fm/2014-12-10-80-most-of-us-are-human-beings#t=1458) Finding the Right Advisor and Fiduciary Standards
- [51:37](https://hardwarepodcasts.com/podcast/embedded-fm/2014-12-10-80-most-of-us-are-human-beings#t=3097) Robo-Advisors vs. Human Advisors
- [1:01:19](https://hardwarepodcasts.com/podcast/embedded-fm/2014-12-10-80-most-of-us-are-human-beings#t=3679) FPPad Bits and Bytes Video Show

## Topics

- [Careers & education](https://hardwarepodcasts.com/topic/engineering-careers-and-education)
- [Direct-to-consumer & e-commerce](https://hardwarepodcasts.com/topic/direct-to-consumer)
- [Pricing, margins & unit economics](https://hardwarepodcasts.com/topic/pricing-and-unit-economics)
- [AI & machine learning](https://hardwarepodcasts.com/topic/ai-and-machine-learning)
- [Hiring & workforce](https://hardwarepodcasts.com/topic/hiring-and-workforce)

## Most relevant to

early-stage companies, companies scaling up

## Mentioned

- LeapFrog (company)
- LeapPad Learning System (product)
- FPPad (company)
- Wealthfront (company)
- Betterment (company)
- XY Planning Network (company)
- NAPFA (company)
- Garrett Planning Network (company)
- Vanguard (company)
- Domini Social Investments (company)

## Related episodes from other shows

- [Betterment: Jon Stein](https://hardwarepodcasts.com/podcast/how-i-built-this/2018-10-29-betterment-jon-stein) (How I Built This)
- [LearnVest: Alexa von Tobel](https://hardwarepodcasts.com/podcast/how-i-built-this/2017-12-18-learnvest-alexa-von-tobel) (How I Built This)
- [S7E31 Stanley Leong | Engineering Your Finances: A Former Electrical Engineer’s Guide to Building Wealth](https://hardwarepodcasts.com/podcast/being-an-engineer/2026-07-24-s7e31-stanley-leong-engineering-your-finances-a-former-electrical-engineers-guid) (Being an Engineer)
- [How I Built Resilience: Live with Tobias Lütke and Jon Stein](https://hardwarepodcasts.com/podcast/how-i-built-this/2020-05-16-how-i-built-resilience-live-with-tobias-lutke-and-jon-stein) (How I Built This)
- [Is FPGA the Best Engineering Career? With Adam Taylor](https://hardwarepodcasts.com/podcast/ontrack/2026-04-14-is-fpga-the-best-engineering-career-with-adam-taylor) (OnTrack)

## Citing this page

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