In this episode of the Grow Your Wealth podcast, host Travis Miller sits down with Clayton Howes, the dynamic CEO and co-founder of MoneyMe. With a rich background in financial services, Clayton shares how his journey from Zimbabwe to Australia shaped his passion for entrepreneurship. He dives deep into the importance of capital structure, the power of product innovation, and the role of customer obsession in business success. From bold leadership lessons to tips on wealth creation and personal development, Clayton offers a compelling roadmap for aspiring founders and seasoned entrepreneurs alike.

[00:00:00] – Introduction: Clayton Howes on Chasing Legacy, Not Income

[00:03:07] – Early Years: Sport, School and Moving to Australia

[00:06:17] – Starting the Career: GlaxoSmithKline, Vodafone, and Embracing Innovation

[00:08:04] – Becoming an Entrepreneur: The Leap from Corporate to Startup

[00:09:40] – Influences and Mentors: Grandfather, Mother, and Richard Branson

[00:10:35] – Lessons in Hypergrowth: Capital Structure, Leadership, and Culture

[00:13:06] – What Capital Structure Really Means for a Lending Business

[00:15:10] – The Real Driver: Leaving a Lasting Impact Through Innovation

[00:17:29] – Technology and AI: Speed, Language, and Better Customer Service

[00:19:41] – Advice for Entrepreneurs: Act Fast and Surround Yourself with Talent

[00:21:44] – Relentless Customer Obsession: Think in Decades, Not Years

[00:24:10] – The Big Bumps: COVID, ASX Listing, and the Need for Diversification

[00:27:23] – Key Business Principles: Capital, Talent, and Customer Centricity

[00:28:24] – Legacy in Action: Democratizing Access to Capital

[00:29:40] – Life Beyond Work: Fitness, Family, and AFL Sponsorship

[00:32:23] – Tips for Wealth Creation: Invest Early and Avoid Lifestyle Creep

[00:33:04] – Work-Life Integration: Productivity in the New Era

[00:34:16] – Rethinking Time Management: Strategy for Life’s Most Valuable Asset

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