Nico Simko is the founder and CEO of Clair, a digital banking app that allows customers to access funds from their paycheck sooner. Nico built Clair on one simple premise; if you can send money instantly to your friends via Venmo, then why can’t you receive your paycheck as soon as you complete a job? Nico discusses how his multicultural Swiss upbringing shaped his views on money, his journey into entrepreneurship, and the startup lessons that we could all apply when making our personal budgets.