In 2013, Baiju Bhatt and Vlad Tenev walked in with an idea. Free stock trading on your phone. Most investors passed as the conventional logic was that existing brokers would just copy the app and crush them. Why would the incumbents let two Stanford kids dismantle a commission-based business model that had worked for decades? Tim saw it differently. Baiju and Vlad were building a direct attack on complexity, commissions, and the idea that investing was only for people who already had money. As a condition of the seed investment, Tim put a restriction on their salaries until Robinhood secured its broker-dealer license. They agreed and then got to work. Robinhood now has millions of brokerage accounts with the majority opened by people who had never traded stocks before. The platform returned more than 3,000x the Draper Associates investment. Baiju Bhatt put it simply: "Tim took a bet on us." That's the job.