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Before Mint.com, I was a long-time user of 'Microsoft Money' and Intuit's 'Quicken.' Both were powerful tools, loaded with features and functionality around taxes, investment, budgeting - too feature-laden, in fact. They took hours to set up, forever to learn, and an hour a week to maintain.
I wanted to build a tool for my generation: people 20 to 40 who don't want to spend time balancing a checkbook or checking multiple financial institutions' websites. Mint does just that, giving comprehensive, quick insights into a user's finances from their computer, mobile phone and/or tablet.
At 16, I started a web development business and had clients from the Netherlands, Caribbean, and across the country - none of whom knew my age because I could conduct all my business with a phone, scanner, and the Internet.
I think sports and bodybuilding were the only things that saved me from getting beat up. People are not pleased, for whatever reason, when you can answer all the questions in class. If not for the respect I got from track, cross-country, wrestling and bodybuilding, it would have been a disaster.
The typical workday, particularly in startup mode, is from nine to six or nine to seven, then you take a two-hour break to work out and eat dinner. By that time, you're relaxed, and then you work until midnight or one A.M. If there was no break with physical activity, you'd be more tired and less alert.
Whenever I see a tree that is climbable, it must be climbed. Sometimes when I'm on a run, I'll just run up a tree, jump on a branch and swing off. My favorite tree, in Saratoga, gets me a good 75 feet up.
The original idea before Mint was a life and goal planning system I called Carpe Viva. The idea was that all of life's goals, from buying a house, getting an MBA, or learning Spanish could be quantified in both time and money.
Tell your idea to whomever will listen, and you'll get valuable market feedback before writing a single line of code.
I wanted a personal-finance tool for people who didn't want to be accountants: something you could set up in ten minutes and spend less than five minutes a week on. Mint is now that tool.
Mint is designed to put your finances on auto-pilot. Whether you log in or not, it will send you a weekly summary of your balances and biggest purchases, and how your investments and budgets are doing, along with sending you alerts on unusual spending and low balances.
I pitch Mint to everyone from investors to engineers, young and old, and I do it pretty much the same way: Here's the problem in the market place, here's how we solve it, and here's how we make money.
Be careful not to start a company that really belongs as a feature of another company, like the 25 Twitter URL shortener companies out there. Pick a real problem that's here to stay.
Carefully calculate the potential size of your market to make sure you can grow. Before starting Mint, I knew that there were about 20 million people who had purchased 'Quicken' or 'Microsoft Money' over the years, and 80 million people using online banking in the U.S. alone.
At Mint, we developed five pending patents on our technology, ranging from categorization to the Ways to Save system that calculates how much a new financial product would save a user given their present financial situation.
Most people don't know what they spend in every single area, but they know they have a problem in particular areas.
If everyone were a good person, it'd obviously be a better world.
I have 14 nieces and nephews.
I love coming of age stories that have struggle.
It's very exciting to be able to just work in this business, let alone on stuff you are extremely proud of. So it does make me a little nervous, because 'Breaking Bad' is so special. It's great being part of something so great because people pay attention to you, hopefully because you're doing good work.
I don't even draw on my life experiences when I'm acting. I just try and make it feel like I'm living through that person's skin.
I saw a lot of people have success handed to them that then exploited it. They didn't protect it or cherish it.
I love everyone over at Netflix. They're all fantastic and an absolute joy to work with.
When you're mid-season, in very intense situations, it's hard not to take that home with you. Especially when you're sleeping, you can't control what you dream about. And it sneaks into the unconscious.
'Breaking Bad' has definitely opened many, many doors for me.
Yeah, I left Idaho at 17. You know, I graduated high school a year early and just, you know, the typical story, packed up my car and moved out.