In 2009, Tim Chen found himself laid off from his Wall Street job and was trying to figure out his next move. But a simple question from his sister about finding the right credit card turned into the core idea for NerdWallet, the company on a mission to give consumers clarity around all of life's financial decisions. NerdWallet started as a tool to help people shop for credit cards, but has scaled to serve over 19 million users. In 2021, Tim led NerdWallet through an IPO. Tim shares why they raised venture capital only after the company was profitable, why he loves the Jeff Bezos quote that very few decisions are irreversible, and how his parents instilled Tim's entrepreneurial drive.