Klarna Founder: From $0 to $46 Billion: Sebastian Siemiatkowski | E98

[@TheDiaryOfACEO]

Wow this conversation was so diverse and the story at the end was super emotional. We’re nearly at 100k subscribers, hit like and subscribe to enter into our 100k give away 🙌🏽

[@savelikeabear]

Good to know diary of a ceo is now just a payola podcast. Everything you've said about money, success & happiness & then you don't ask a single question about the ethics of buy now pay later or the research that shows Klarna etc are normalising debt for teenagers? Absolutely wild, Steven. I'm sure you and Sebastian have a deeply interrogated rationale that you kept to yourselves - Sebastian even gave you bait to talk about intentions, but you chose to lean into the part of your brand where the guest tells a sad story about themselves... Success is dehumanising.So is debt.

[@Cool74448]

Good episode. I think you connect better with tech ceos

[@adrianbiju9597]

@@savelikeabear ..

[@elsakiyemartins7886]

@@savelikeabear don’t you think we should first talk about parents responsibility to educate their children financially? And how about how parents should be there for them instead of letting them being raised by a shallow culture of comparison, likes and trends? Just saying…

[@SlapbackGOD]

100K subscribers? You've got 7M 😂

[@sbIvanov]

"Rules are not a reason for not thinking for yourself" One of the best quotes from this podcast!

[@TheDiaryOfACEO]

🙌🏽

[@SuccessWithSam]

Steven has the ability to get guests we didn’t know we needed… great podcast as usual 👍🏽 🙌🏾

[@TheDiaryOfACEO]

Thanks Sam 🙌🏽

[@jhardworkpaysoff474]

Exactly he brings on intresting people always a different story and lesson 💯

[@chelseahargrave7315]

I was just going to comment this, Steven has the ability to make me listen for an hour to someone and something I have no interest in. How does he have us so hooked!

[@jhardworkpaysoff474]

@@chelseahargrave7315 yeah considering there millonaries i feel like i can relate which motivates me

[@chelseahargrave7315]

@@jhardworkpaysoff474 yeah really nice normal people! Love it

[@salemalisalee]

Where he said , he stoped saying that money doesn’t make you happy ….. first time I have heard someone say that on this podcast . Because it is true , thou no , the money as an object will not make you happy , but , being able to afford basic everyday needs and perhaps a vacation here and there ,is so important for our mental health . We live in a world , where most of us , if we want to eat , we need money , if we want to have a roof over our head , heating , water to wash ourselves and our clothes , we need money . So saying money isn’t important is a straight up lie . It’s not important when you have it , it is so important when you don’t .

[@TheDiaryOfACEO]

Thanks Aleksandra it’s an interesting point

[@salemalisalee]

@@TheDiaryOfACEO Thank you for having guests like this . Motivating me to just do .

[@AntonioMontana_7.5]

He is not trying to be happy by his money, he’s trying to improve the world

[@alfonsodavidson6549]

This was a blessing of an interview. Not only did he expounded on what he been through but he always thought about how to derive solutions and not focus on the situation. Its a mindset and a blessing to see many obstacles in life but still think and focus on positive outcomes.

[@forbesyt3423]

“When life is handed to you on a plate you will never understand how the food was cooked”

[@AnjuliMack]

I love this

[@laurenblake520]

It has without a doubt become the favourite part of my week, to get home from work, get in my home gym and have a workout whilst listening to the podcast! I totally zone out of real life for an hour whilst learning from incredibly diverse and inspiring guests’ thanks Steve, another great episode ☺️👍🏼

[@DieTryingK]

Nice humble brag there.

[@HR-ii6ue]

This is me (without the home gym though 🤣), only 19, home gym pending by 25!

[@NovaPersonalTraining]

Absolutely amazing podcast! Genuinely can’t have a bad Monday knowing an episode will be coming out.

[@rachaelmjennings]

I literally run my 5K quicker on a Monday morning so I can get home faster and listen to this podcast while getting started with my workday :-) Thank you again! Sebastian is super authentic and a pleasure to listen to.

[@TheDiaryOfACEO]

Yes Rachael! 👊🏽

[@KidKarnage06]

Why not wait until the podcast is out and then listen to it ON your run? Could probably do 10k during this one 😉

[@h6h8272]

@@KidKarnage06 i tried something like this but running is like forced meditation, youll listen to stuff but youll just hear it and not understand this happens with human voices not music

[@chriswetherall5517]

as someone who's father has passed away due to alcoholism recently this was really relatable thank you for being so open Sebastian

[@Dornpunzel]

Mi mi mi

[@DevJMD]

This one of the most under-viewed interviews I've seen on this channel, yet so super informative. I'm an engineer myself in a very senior role, but this is the path I want to envisage. I have all these crazy ideas around AI, but never know where to put them, who to put them in front, or even the motivation. Motivation is key. The most interesting point was about communication. Communication is the success of businesses. When you start fragmenting communication amongst a tree of key members and the developers, technical specifications become very diluted in expectations vs. reality. You have to listen for red flags, and assume everything is a red flag until it isn't. Engineering is such a complex subject that we don't expect anyone above to understand, but having people that don't understand sit with you and resolve issues is a huge part of expectation vs. reality and the empathy needed to objectively make critical decisions. It's knowing what good looks like, and then going "I know this is good" - you don't need to be an engineer to understand the workflow of an engineer, and why engineers are huge, huge part of the success.

[@mickandtraceycope7826]

Steven I love how you get the best from whoever you interview in such a calm conversational manner. My heart went out to your guest's dilemma with his father and challenges for him and his family after moving from Poland to a new country. Really makes you think. I wish him and his family ongoing success. As fo never getting stressed... Wow... would love to achieve that... 🙏

[@jut7030]

Such a humble, self aware, great all-round person, i could listen to him for hours. Thanks Steven !

[@lingua-multiga]

Thank you for this podcast. Never knew that such a great person has been behind Klarna. Glad to be their customer.

[@zanelewiseman3637]

Wow, this podcast is truly amazing. Discovered it this weekend and I have listened to multiple life-changing episodes. Thanks Steve and to your amazing guests who have shown such authenticity and vulnerability.

[@freedomutopuia]

Absolutely, bar none, the best channel on KZbin for business....I truly hope that not too many people find it! Invaluable

[@neilbradley7407]

Thank you so much to Sebastian for sharing his personal story about his father. Going through something similar with my brother for many years who is dependant on alcohol, so I listening to Sebastian's perspective really resonates with me.

[@BreatheandBloom]

Such a powerful discussion & a reminder that we have amazing potential within us & we can turn that into amazing things!

[@TheDiaryOfACEO]

So true!

[@BreatheandBloom]

@@TheDiaryOfACEO thanks for the inspiration! 😊

[@boiseraise]

I find myself coming back to this conversation.

[@paulburgess_]

One of my favourite interviews so far. I’m in the process of launch a new tech company with zero tech experience so it was so reassuring to me to hear Sebastian go through the same struggles with CTO’s and devs. Also to hear him question the same things that have been troubling me about the time things take to code, the teams passion for the project etc. Thank you for this one Steven. One of my life’s goals is to to be interviewed by your on this podcast with the next 3 years. Amazing work 🙌🏼🙌🏼🙌🏼

[@lespetitsrugby3638]

Wow. ..love this. Hes so down to earth and his story had so many lessons! He doesnt realise how it will help many, including ME. Inspirational and an amazing personal insight. TY for doing this and so glad I came across it. Will change my life ❤

[@ChristinaAaliyah]

The best way to start my week 🚀

[@TheDiaryOfACEO]

Yes Christian 🙌🏽

[@dswain1981]

High 5 to the 6am DCEO club. 🖐

[@swayfitness5777]

Hi bro, I'm a bit late, just watching this at 7:28am here in London!

[@dswain1981]

@@swayfitness5777 You're here, that's all that matters. 👊

[@TheDiaryOfACEO]

✋🏽

[@channul4887]

Daaamn cuh, I'm not sure if you're boasting or complaining cuh. 5am, cuh, eh?

[@speakyourheart8548]

Money doesnt make you happy , to really be free of all of the things allows us to know our inner happiness. But at the same time its so important. It was similar to me his story I grew up very poor. I wanted sucess, to radiate joy and it made me more passionate to get what was right for me. It sets a fire in you. Contrast is also so important, you need rich people around you both rich financially and emotionally in order to realise there is more. The issue often is peoples lifes are too easy. Not great but also not terrible and so a fire doesn't become lit. You also dont experience enough contrast in life to awaken compassion, truth and drive. The people ive seen that suffer the most are not those of us that have experienced great hardships but are those that need hardships to really experience. We need to experience life in order to truely be rich.

[@dontaefernandez]

Sebastian was so down to earth. This was a awesome podcast, thank you!

[@LovingAtlanta]

👍🤩💝Oh wow, Sebastian is truly delightful. It was wonderful to listen to his story. I was emotionally moved when he started talking about his dad. 💡😭@1:06:23 - 1:07:08 you never know when you literally might be someone’s last hope. I have learned in life that if you can help someone, help them. I’m sure that Sebastian is haunted by not taking his dad’s calls that day. In the big scope of things, helping his dad monetary with his apartment was such a small small thing he could have done for his dad compared to all of the money that he himself had/has. I this this from my own life experiences. I pray he and anyone else / all of us living with this type of regret will heal.😭🙏💝

[@hellonomasonto]

I hear you. Totally.

[@LovingAtlanta]

@@hellonomasonto 👍💝

[@cavallopazzo340]

incredible interview! I planned on watching just the first few mins but couldn't stop :-) A lot of respect to Sebastian for what he accomplished but also how humble he remained in the process.

[@hollywoodactress]

I listened to this last night whilst doing chores. Excellent interview and very engaging. I have learnt a lot over the past few months watching and listening to these interviews 👍

[@larissaloren23]

He's incredibly charismatic

[@joewalsh9350]

One of my favourite chats so far. What a inspiring and great gentleman.

[@JoJo_GSD]

Thank you to all involved, for an incredible podcast 🤗 Sebastian, thank you for sharing your journey and inspiring so many people 🤗

[@korallrev3497]

Sweden to the world: You're welcome, here's yet another revolutionary invention/company from our country

[@kamilakilinska964]

Greeting from Poland Sebastian, really inspiring story of yours! Steven, thanks again for bringing interesting guest as always

[@Motivation2Invest]

Very insightful conversation, great stuff Steven 👏

[@CybrZone]

I'm not sure if you'll see this but I appreciate that you actually talk/ask about money with them.

[@ParagonCarsLondon]

Fantastic podcast. Great to see what you can build with the drive and determination.

[@elsakiyemartins7886]

This interview showed the basic and fundamental truth about humanity. Black, white, or purple, we all have a story. As long as we keep moving there will always be a door somewhere. My whole family story revolves around immigration. From aunts to uncles to cousins to grandparents. It’s refreshing to hear someone ( white cis man ) speak about the adverse effects of immigration. Not only it has made him resilient but also vulnerable and kind. Great testimonial of perseverance. And his tips on management are precious too. Mandate vs suggest; or how to build a culture where people are proactive, responsible and content.

[@hannahesther8665]

Another Monday and another DCEO episode. We love it

[@TheDiaryOfACEO]

Thanks Hannah 🙌🏽

[@Emma-Atherton]

Perfect start to the week!

[@TheDiaryOfACEO]

👊🏽 thanks emma!

[@i_li1]

I'm happy that I came across this channel today 🙌🏽 love the podcast! 👏🏽

[@scottaddison4784]

What a great guy, he deserves all the continued success. Great Postcast.

[@imclaudiaashley]

This podcast never fails to disappoint. Couldn't stop crying towards the end. Have a great Monday everyone and remember life is for living x

[@kieranjs6652]

Interesting podcast. On the topic of WFH - I think getting the right balance of days at home/in office creates the perfect working environment. I currently WFH 2/3 days a week and have been able to pursue my hobbies more with the 2.5 hours of commuting saved and actually begun monetising one of my hobbies, I’ve been able to stay on track with the gym and go on daily walks during my lunch break. All of this has led to more productivity in my work. The days in the office are also great as the mention of culture and social aspect is especially important.

[@ollesoderlund260]

proud to be swedish, you are an inspiration to all swedes

[@aleksandrkiriushin6420]

Thank you for this episode! That was absolutely amazing!

[@jonathangroschel5841]

Sebastian is really a great roll models for us entrepreneurs here in Sweden, Stockholm.

[@Hiprich]

Such a beautiful story ❤

[@mrbrandedresidences]

Thank you Steven, awesome listening and Seb was a total gentlemen!! - see them coming Steven

[@berealrelentless6237]

The discussion and points made about solving/fixing pain problems within the biz, I totally can relate. The excitement of it for me, it goes to my own abilitiy to work under pressure, I typically do well and even enjoy it. Which is not saying I want problems, but more about seeing them hopefully before they get worse, but then solving it in realtime. Lastly, is trying to make sure it doesnt happpen again, is something I think biz. fail to finish problem solving with.

[@JJ-ct4eu]

This was an amazing interview, it's sometimes lonely as an immigrant battling these "issues".

[@mayimoona4868]

I was mind blown by your guest’s honesty. I am sorry for his loss. Great conversation and always a pleasure to start a week with your podcast.

[@TheDiaryOfACEO]

Thank you 🙏🏽

[@mainlayercom]

Another brilliant episode. Much appreciated dose of motivation and inspiration to start a week. Keep up good work Steven 👍

[@TheDiaryOfACEO]

🙌🏽

[@abiabagun925]

This Podcast Series is a Mini MBA 🙌

[@abbasmahammed2514]

Thank you so much for making this podcast Steven, it's just so insightful and inspiring to learn about entrepreneurship and business from these people. Every interview I watch there is something impactful that I can take and apply in my life rightaway.

[@maggenlove]

Loved this episode. So insightful, great guest and interviewing skills, Steven!

[@discoveryrap3771]

Best one we’ve seen / listened to yet.

[@thedigitalceo]

I really enjoyed this conversation. As a developer I found Sebastian’s debacle with the original developers fascinating and trying to see it from both perspectives. While Sebastian questioned many of the potential partners motivations and potential which is definitely fair, I’ve learned that it’s too easy to assume that everyone around you will interact with the thing you love with the same zeal and motivations as you. As an owner you may have to really work to understand peoples motivations and play into it. Anyway a wonderful conversation and podcast. Thank you Sebastian and Steven

[@Dornpunzel]

This is just an example of a guy starting a company without any clue of the tech itself. And i think that is bad. Always. Do something you have no idea of and people can fool you all day long. He just got lucky.

[@jobkiruhi259]

Very inspirational. I hope he get to leave something for his kids.

[@maxinejarvis4444]

I use Klarna all the time. Love it. It means I don't have to worry about stumping up a huge amount of money in one time

[@neurodude2741]

Sebastian is a living inspiration for me due to my Polish decent and entrepreneurial dream. Would really willing to talk to him!

[@RichardShire]

Another amazing podcast, great way to start the week!

[@uvwxyzero]

$46bn lord have mercy, these valuations are crazy. Congratulations any how.

[@deletrious]

this video should have millions of views.. one day it will.

[@shiftylad9938]

Looking forward to listening to this.. The into 45 Billion. Wow

[@Stefanburakov]

Amazing very good! Wish Sebastian and Klarna that all go well with Klarna and Pricerunner!

[@dy2cakc1]

Fabulous conversation.

[@celestevinassa481]

What a great interview.

[@JodyLeeSchroeder]

what a really interesting conversation - such a great story to be told - so much knowledge in this ! love it

[@MariamsLifestyle]

amazing interview as always

[@rivergirlfishinfor24]

Love what you are doing!! Thank you!!! 💜🎉🙌🏻

[@Pearlmasuku99]

Absolutely amazing Podcast, so many life changing lessons and good advice.

[@princesho]

This is the first time I wanted to watch a podcast again and the reason I got so hooked on this is literally the title because when I told someone years ago who was close to me that I’m gonna be worth seventy billion pounds (£70,000,000,000) they gave me that “you are delusional” look. Thing is that I’ve already done things that makes me know I can. Long before Uber was a thing, I conceived the exact idea after I sold my car and started using Streetcar which is now Zipcar. I was actually doing Minicab as a side hustle whilst at drama school and then one day I thought… “what if like streetcar, you can book a cab without going through an office? Just an app just like Zipcar. Then customers will pay less fare, drivers will save more by not paying £150 a week whether they get a job or not and then just take 15%”. Presently I have some ideas I’m the tech space, NFTs, Fashion and dating. I’m working relentlessly to make things happen and even though I’m an actor and rapper, I invest a lot of time on the Diary of a CEO podcast because I find things to implement from other greater minds like me. Thank you again Steven for bringing amazing guests on the show. It’s gonna be funny when I end up in this podcast and the title will be… “From £0 to £70,000,000,000”

[@hellonomasonto]

You can do this, man. Just put your head down, write down the ideas you have in a book, and start focusing on working on one or two of them that you know you can master. It's hard to start but you've got to focus and get going. It will be worth it in the end. I hope to listen to your podcast here soon! Good luck.

[@TheReinvention1]

Another outstanding share! Thank you

[@Repton137]

Brilliant interview!

[@ritchiebeckett9535]

Sebastian is the Zlatan of the financial sector!

[@S4GWX]

This guys had a rough 6 months - Klarna’s value has been slashed by redundancies and uncertainty from most recent funding round. $46bn to $7bn - ouch. Fingers crossed they turn it around. Would be nice to see another BNPL service provider excel though - gotta love the underdog.

[@lexitaylor9373]

Amazing podcast! Thank you guys ❤️❤️

[@TheDiaryOfACEO]

🙌🏽

[@justinavysniauskaite9707]

Great content! This is def one of my fave channels on YT. Have been following Steven since I saw him on stage at the affiliate marketing conference in Amsterdam back in the day. Keep up the good work 💪

[@medits-h8d]

Would love to see Ben Francis on the show he is such an inspiration. and great podcast as usual.

[@privateequityguy]

*14 Life-Tips I wish I Knew In My 20s:* 1. Marry the right one 2. Don't Lie, ever 3. Learn to be Brave 4. Learn to Say No 5. Be curious about everything (ask questions) 6. Develop a Code and Live By It 7. Be Patient with Yourself (but put in the work) 8. Learn to Listen 9. Avoid Debt (big one! if you want to make some moolah!) 10. Seek out a Mentor 11. Develop a Space to Confined In and Ask Questions 12. Be Kind, Be Compassionate 13. World changes constantly, keep an open mind 14. Stop Nail-biting & nail-picking habit and get back your healthy, good looking nails(we got you!) Take it easy and I hope you found one thing helpful in this list. If you did, what was it?

[@norma.k]

😍😍😍 love this all the way from Malawi 🇲🇼

[@wellbeing15]

Best kick start to a Monday! #culturecanconquer 💪

[@TheDiaryOfACEO]

🙌🏽

[@richardgoodall3580]

Best one so far I think!

[@annaw7437]

Reshared on my LinkedIn profile. Such an amazing interview. Tiny bit proud to see my fellow Pole succeeding at that scale!

[@imranmalik1339]

I am now a Huelian because of Steven. And learn about business every time I watch one of these videos.

[@embracingnormality1988]

👏 me too just took my monthly delivery today…. Getting a bit sick of the chocolate rtd though, banana all the way. Good to hear Steve leak there’s new flavours on the way.. I had major stomach issues and this stuff has been what medicine wished it was💪🏼💪🏼💪🏼

[@dominicgregorio9913]

klarna is GOOD 👍 user of klarma here 😁

[@embracingnormality1988]

Busy day today but looking forward to watching this later, also looking forward to the GB 🇬🇧 entrepreneur final awards now I’ve learned of your attendance Steve 💪🏼

[@TheDiaryOfACEO]

Let me know what you think 🙌🏽 go get em

[@danielcarter2375]

Hi Steven, and The Diary Of A CEO - hope you're all doing well! I would like to ask - one day could you interview Martin Lewis? He's the most popular financial money saving entrepreneurs around. I would love to hear his story - incredible person on finances, and how he speaks.... incredible! Many thanks. P.S. I've been recently watching these videos to gives me ideas, and to get my interest on something else in life rather than football constantly.

[@katesenglishstudio]

I wonder why ikea ad popped up while I was watching this interview 😂

[@AnjuliMack]

Such an inspiring story ♥️

[@prempandey013]

Great video!💕💕💕 Please put the Subtitles!🙏🙏🙏 Please

[@TheDiaryOfACEO]

Sorting this now

[@stevecooper3010]

Another great podcast as are all of them.

[@94MD94MD]

He sounds so much like Jurgen Klopp! Great interview.

[@blackhistoryonsteroids8196]

I found this channel with the Dame Dash interview. The guest was cool. This platform was excellent. I subscribed and been binge watching. Keep it bro!

[@frankiewalnuts]

Made 46 billion whilst putting millions of people in debt

[@funbimafoluku2616]

He didn’t force you to use it

[@frankiewalnuts]

@@funbimafoluku2616 I've never used it cus I'm not poor

[@jeffrejr1]

His thoughts on perspective were great.

[@RidwanullahSolutions]

Very insightful. Thank you.

[@johannefatuma8703]

Inspirational 🎉

[@psychologyhealingonline3939]

Is it advisable to remove false debts now as so far is exclusive even if you do not get paid more.

[@gustavodesantis3643]

insane podcast, i subscribed