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" I actually don't invest in anything that is social, mobile, deals or ad networks simply because those are areas where there are so many players and so many other smart people in the space, I feel like I don't have a competitive advantage. So I tend to go after things that are e-commerce, like healthcare. "

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" In the first three years of Mint, from when it was founded to when it was sold, I can honestly say that in a sustainable way, I couldn't have worked any harder on it. "

Aaron Patzer

Years

Way

Three

" 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. "

" 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. "

" Tell your idea to whomever will listen, and you'll get valuable market feedback before writing a single line of code. "

" I know it sounds weird, but the food that I eat, it doesn't make a big difference, and it never has. So, I've saved a ton of money not buying a lot of alcohol, not going out to restaurants too much. So, I think it's part of our culture, and it's part of a social activity more than anything else. "

" 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 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. "

" 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. "

" The way you dress or the car you drive or what you spend is to impress other people with how, I guess, successful and rich you are. But you're not, and you shouldn't, and who gives a damn what other people think anyway. So, that mentality, I think, is very destructive. "

" One third of the economy goes through 'QuickBooks' in terms of businesses invoicing other businesses. Each invoice contains a connection between vendors, suppliers, and customers, and also the price of that connection. Representing the payment graph is huge opportunity and something no other company can do. "

" After building most of Mint.com's prototype by myself, I talked to anyone and everyone I knew about Mint. It's counter-intuitive, because you might fear someone will steal your idea, but it's the only way to make connections, be sure you're on the right track, and provide a solution for an audience broader than yourself. "

" If you think about photo sharing sites, the mobile photo sharing and social, there's no competitive advantage, there's no obvious business model, so I never play with anything like that. I avoid it like the plague. "

" Most people don't know what they spend in every single area, but they know they have a problem in particular areas. "

" I'm typically a 'just drink water' kind of guy. I was a bodybuilder in high school, so I used to - food to me was, 'there are this many grams of carbohydrates and proteins, and I need these micronutrients in order to grow and be fit,' and I ate in order to live and not live in order to eat, and I think most people are the opposite. "

" 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. "

" 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. "

" 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. "

" 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. "

" Kevin Systrom of Instagram used to work for us as a consultant in the early days of Mint. I knew him a long time ago. Maybe I could have gotten in there. But with photo sharing, I don't know if there's an obvious business model. I don't think there's a competitive, sustainable advantage. "

" 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. "

" 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. "

" If you look on Amazon - if you do a search for personal finance, there are literally 20,000 books written on personal finance, and there's no real reason for it. I mean, personal finance is pretty simple. "

" 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. "

" 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. "