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Eventually the blog became #1 in personal finance, and drove traffic to the app.Our app didn’t have a high viral coefficient but we had content that was.“The next thing was to create a prototype, then to build the right team, and then to raise funding.” Contrary to some entrepreneurs, Patzer told everyone he knew about his idea for Mint.

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People had to hand over their financial data to a young company, so Mint had an uphill climb in gaining trust with users.

Another area of weakness was that many users had uncategorized expenses.

They’d use Microsoft Money or Quicken and look at their spending graphs, and at least 50% of their expenses fell under “Uncategorized.” Users would have to manually categorize them, which could take hours every week. Patzer worked on an algorithm that would automatically categorize expenses. Mint also had what Patzer called a “gem.” This gem was the goal planning part of Mint.

The VCs didn’t think people would trust a startup with their financial and other private information.

By the way, after every rejection from a VC, he’d listen to this Frank Sinatra song.

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