Our first product was Quicken, which is personal financial management on a PC. It had a tough start, and we ran some tracking surveys to understand who was using it. Half the users claimed to use it in some sort of office environment. We ignored that. I thought it was meaningless.

Subsequent to the original Quicken, the whole idea that we, as a consumer products company, could actually make business products, that was a whole revolution in our thinking.

Well, today people have to be self-reliant if they want a secure retirement income.

People don't place their trust in government or company pension plans; they have to be self-reliant.

In my view, product/market fit is the most important thing to get right as a startup entrepreneur. There's a variety of ways to do it, but without solving some pain point that the customer gets so excited about they tell their friends, it's really hard in the modern age to get any liftoff.