My 4th start up - makeabeeline.com. My interest in consumer finance emerged when I was fresh out of International Business and Economics degrees. Like many in their early 20’s, I often spent my pay too fast - “king for a day, but a fool for a fortnight.” It seemed that others did the same, so Sean Teahan and I founded Nimble in 2005, funded from the modest success of A-Team Health Recruitment coupled with mowing lawns. We created a household brand giving small loans like never seen before. Little did we know we were pioneering fintech in Australia, growing Nimble to 150 staff and revenue of over $50 million. In late 2016, 11 years later, I joined the ranks of talented founders ejected from their own companies by soulless boards. It happens, but I was no angel either at times. Then followed a two year sabbatical during which I reinvented myself next to the lake in. Gandria, Switzerland, met my beautiful Spanish wife Miriam and helped launch Little Phil. It's a microphilanthropy app giving donors ‘Little Phil good moments' rather than the typical outdated, guilt laden experience charities offer.I continued observing the frustration people face with personal finances and their struggle to buy their first home. This is compounded by... *Endless social pressure to spend money to impress others. *Brain killing admin, paperwork and bureaucracy.*Self serving financial institutions who judge and disempower people. Then the perfect project magically appeared - just the sort of audacious David v Goliath project I revel in.In early 2019, I joined friends to create Beeline - a US home lender like no other. We're doing what's been talked about for years, compressing an unpleasant, meandering journey into a Beeline. As the name suggests, it's the shortest path possible to your new home, avoiding traditional BS and uncertainty all the way. You can do it from your sofa even. See the Beeline trailer here https://www.youtube.com/watch?v=yKz0rVXw7ik&feature=youtu.beWhen not striving for pixel perfection and super customer experience, I’m surfing, riding my bike, doing yoga, playing golf and hanging with Miriam.