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Speaker 1: Jumb mission with Jones and Amanda.

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Speaker 2: And how long have we been doing the show for

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Speaker 2: now today or just in general, just for the sixteen years?

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Speaker 3: Sixteen years? Why haven't we come up with a thirty

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Speaker 3: nine billion dollar idea? We've been in this room in

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Speaker 3: a small box for all this time. How is it

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Speaker 3: that we haven't come up with a money spinner? What

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Speaker 3: have we come up with?

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Speaker 2: Well, you had poo your pants for cash, but then

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Speaker 2: you ended up doing it for free. I've had nothing.

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Speaker 3: Except because you haven't got enough. Five you die.

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Speaker 1: I'm talking about these two guys, Nick Molnar and Anthony Aisen,

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Speaker 1: so two neighbors.

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Speaker 3: After pay? Have you heard of after pay?

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Speaker 1: Yes?

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Speaker 2: Tell me how after pay works.

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Speaker 3: It allows you to shop now and pay later. It's

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Speaker 3: interesting play by or is it credit card by?

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Speaker 2: So it's interest free. So it's a credit card without.

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Speaker 3: So what you do? You you want to buy this

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Speaker 3: a coffee cup holding up with my coffee cup here?

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Speaker 3: So I sell you that.

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Speaker 1: Now you take that, but then the money that you've

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Speaker 1: paid for me give me two hundred dollars.

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Speaker 3: Got two hundred dollars for this? No?

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Speaker 1: I don't, Well, okay, So what you do is you

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Speaker 1: give me that, I give you that, but then you wow.

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Speaker 2: This is why we haven't come up with an idea.

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Speaker 2: We can't even explain other people's ideas.

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Speaker 3: Off it's like lay By, but you get it now.

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Speaker 2: It's lay by, but you get it at the beginning.

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Speaker 2: And there's no interest. So that's why it's better than

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Speaker 2: a credit card.

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Speaker 3: Yeah, it's better than a credit card because there's no interest.

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Speaker 3: I'm interested and they don't. But you don't get massive.

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Speaker 1: You can't just go and go to the Lamborghini dealer

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Speaker 1: and say I have to pay a Lamborghini you have.

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Speaker 1: It's a you have to build up like a credit.

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Speaker 2: Rate, and then I assume that if you don't meet

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Speaker 2: your payments then some hefty fines insue.

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Speaker 3: Yeah.

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Speaker 1: So these two neighbors are Nick and Allen. So one

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Speaker 1: day Alan was putting the bins out.

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Speaker 3: At least it's Nick and Anthony, Nick and Anthony. One

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Speaker 3: day Nick's putting out the bins.

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Speaker 2: That was Anthony putting out his bids. Anthony's putting Let

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Speaker 2: me tell the story.

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Speaker 3: One day Anthony's putting out the.

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Speaker 2: Bins and he notices that his neighbour's light is on

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Speaker 2: very late at night. And his neighbor. Nick is this

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Speaker 2: young guy who is selling jewelry over eBay at home,

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Speaker 2: packaging it all up and blah blah blah, doing very

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Speaker 2: well at it, and it was Nick's idea. They met

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Speaker 2: then over the bins. This is Nick's idea, but Anthony

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Speaker 2: helped him make a company out of it, and they've

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Speaker 2: recently sold it to the guy who owns Twitter, Jack Dorsey.

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Speaker 2: Five billion dollars.

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Speaker 1: Yes, so they get two point six eight billion two

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Speaker 1: point six two billion, respectively. How good is that?

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Speaker 2: See, this is why you don't have ideas. You can't

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Speaker 2: even explain theirs.

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Speaker 3: How does he have to pay work?

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Speaker 2: Want me to explain it to you?

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Speaker 1: You owe me two hundred bucks with this cup? I

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Speaker 1: think that was well explained.

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Speaker 3: Jonesy and Amanda's