Five years ago, Nick Molnar had a theory that recession-scarred Millennials would prefer to spend their own money and spread their purchases across a series of payments rather than use a loan or credit card. His Australian company Afterpay—which operates similarly to a layaway system where consumers buy a product and pay it off in four installments—has since spread to the U.S. and is now worth billions. The 29-year-old co-founder global chief revenue officer visited Alli and Michael to talk about his start as the number-one seller of jewelry in Australia on eBay, why Afterpay has resonated with debt-ridden, credit-averse young consumers, and how he's tackling international growth and scale. Keep up with Nick at @afterpayusa and @molnarnick, and don't forget to follow @alliwebb for #BTS of Raising The Bar and subscribe and rate us!