Cheers to today's interview with Naked Wines founder and CEO Rowan Gormley. A native of South Africa, Gormely settled in the UK and helped launch Richard Branson's Virgin Money, and later Virgin Wines. In 2008, Rowan left to work on his 4th start-up, Naked Wines, and saw it grow to UK's fastest growing wine retailer by 2011.

Here's how Naked Wines work: Customers invest $40 a month, pledged to independent winemakers who need capital and a wine market to connect with. In exchange, customers save 40% to 60% on all wines. Offers a 100% money back guarantee on wines you don't like. Gives away sample bottles and gives your investment back when you leave.

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