In this inspiring episode of the Payne Points of Wealth, Ryan sits down with Jimmy Chen—founder and CEO of Propel, the groundbreaking fintech company modernizing America’s social safety net and serving millions of low‑income families each month.

Jimmy shares his remarkable journey from arriving in Kansas City as a four‑year‑old immigrant from China with parents who had just $200, to becoming a Stanford graduate, early product manager at LinkedIn and Facebook, and ultimately the creator of one of the most impactful social‑good tech companies in the country.

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Jimmy also opens up about the “chip on his shoulder” to succeed, his father’s work ethic, why frugality helped and hindered him, and the music that shaped him as a kid, navigating life in a new culture.

This is a powerful story of ambition and purpose—proof that game‑changing ideas don’t just come from Silicon Valley, but from childhood uncertainty and a deep commitment to help those less fortunate in our country.

Tune in for a conversation that’s heartfelt, eye‑opening, and packed with wisdom for entrepreneurs, parents, and anyone navigating big decisions about money, purpose, and impact