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.

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.

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.

I always knew I wanted to be a technologist, so I went to Duke and got a degree in computer science and electrical engineering. Really, I thought my goal in life was to be an inventor, a problem solver, so I thought I needed a Ph.D. to be good at inventions, but it turns out that you don't.

I grew up in an era when money was not readily available. We were into the post-Depression years and World War II.

There are two types of poor people, those who are poor together and those who are poor alone. The first are the true poor, the others are rich people out of luck.

I drove an electric car for seven years because of its advanced technology, not because I have any concerns about energy resources. I have none at all. And when environmentalists say that global warming is dangerous, unprecedented and that we'll have a tipping point for atmospheric carbon dioxide, it's just nonsense.

Despite the impression created by some economic pundits, the U.S. economy is not a delicate little machine that needs to be fine-tuned with exact precision by benevolent policymakers to keep from breaking down.