Aaron Patzer

“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.”

“You don't start a company because you want to be an entrepreneur or the fame and glory that comes along with it. You become an entrepreneur, and you create a company to solve a real problem. And by real problem, I mean a problem that is going to exist down the line.”

“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.”

“If you pay your credit card off every month, get a rewards card. One that gives you airline miles or that will give you 1 percent cash back at least on every purchase.”

“The start-up life kept me busy and surfaced the problem of not being able to stay on top of my personal finances, which led me to invent Mint.com. I was working 80-hour weeks, and had done enough preliminary work and research to know I had a big idea: To make money management effortless and automated.”

“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.”

“One of my top tips for aspiring entrepreneurs: Tell everyone you know about your idea. This runs contrary to the instinct that most people have, because they're afraid someone is going to 'steal my ideal.' Ideas alone are worth very little; it's in the execution and market feedback that companies are made.”

“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 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.”

“Because Mint has access to all of your bank accounts and credit cards, we can detect fraud or unusual spending patterns faster than your bank, then send an email or text message alert to users.”

“Mint's business model became, 'We'll go for free, and then we'll find these savings opportunities for you.' You know, better interest rate on your credit cards, when should you consolidate your student loans, when does it mathematically make sense to refinance your mortgage, and Mint figures all that stuff out for you.”

“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.”

“When I was 8 or 9, I started using bulletin board systems, which was the precursor to the Internet, where you'd dial into... a shared system and shared computers. I've had an email address since the late '80s, when I was 8 or 9 years old, and then I got on the Internet in '93 when it was first starting out.”

“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.”

“I have always thought of myself as an inventor first and foremost. An engineer. An entrepreneur. In that order. I never thought of myself as an employee. But my first jobs as an adult were as an employee: at IBM, and then at my first start-up.”

“I consider myself an inventor first and an entrepreneur second. In real life, my hero is Thomas Edison. He was a great inventor, but also an outstanding entrepreneur who was able to sell his inventions to the masses. He didn't just develop the light bulb; he invented the entire electric grid and power distribution system.”

“I've been spending quite a bit of time in Canada, New Zealand, Australia, and the U.K. as Mint is expanding globally, and I'm personally doing much of the research and business deals to make them happen.”

“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've actually started a number of businesses in my career. So I'm 28 currently, but when I was about 16, I started building Websites, and that's how I put myself through school. I went to Duke with a degree in electrical engineering, computer science, computer engineering, and then to Princeton.”