At just 25, Tom Williams launched his first lending business with $5,000, a dream, and a San Francisco office he secretly lived in. In this episode, Tom walks us through his unorthodox journey from boat-washing teenager to fintech founder, revealing the pivotal moments, early sacrifices, and bets that shaped his entrepreneurial path. He opens up about navigating failure, weathering the dot-com bust from inside Silicon Valley, and rebuilding from scratch to ultimately create a sustainable, values-driven business that’s thrived for over two decades. This is a story about resilience, conviction, and what it really takes to build a business from the ground up.