Speed matters. We went from idea to launch in one year. We went from launch to sale in two. There is something to be said for not overthinking.
The banks had all the data to build what Mint built. They just had no incentive to show it to you clearly, because clarity would reveal how much you were wasting.
I built Mint because I wanted to understand my own finances. I kept a spreadsheet and thought, there has to be a better way. Most great consumer products start with the founder solving their own problem.
After we sold to Intuit, I thought I could change a $7 billion company from the inside. I was wrong. Large companies do not change from a single VP.
Healthcare is the hardest problem I have ever worked on. Finance was hard. Healthcare is harder by a factor of ten.