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Sean Tepper
Founder & CEO

Payback Time is focused on helping individuals build businesses, wealth, and financial freedom.  I am also the founder of TYKR, a software platform that makes investing easy for everyone.

Here is the TYKR backstory…

My background has been a unique combination of IT Project Management and Investing. From 2006 to 2011 I operated a small service business, building websites and custom software applications for small and mid-sized enterprises. During these first five years of my career, I discovered I wasn’t going to build wealth by solely providing a service or working a job.  I came to realize that real wealth is created through investing.  In other words, real wealth is created through the power of compound interest.

In 2010 my first business merged with another firm and I branched away.  In 2011 I started angel investing in tech startups part-time while continuing to serve primarily as an IT project manager full-time. Some of the companies I was fortunate to serve as an IT project manager included GE, Kohler, Kohl’s, and Direct Supply.

From 2011 to 2016, I was able to generate some residual income through angel investing but I was never able to achieve the desirable goal of selling a tech startup at a 10X multiple. To no surprise, that is a lot easier said than done.

Since I couldn’t find success as an angel investor in the private market, in 2016 I took a step back and turned my attention to the public market.

Before I turned my attention to the public market, I knew that top stock market investors were making 15%, 20%, 25%, and sometimes as much as 50% annual returns consistently.  The key word is “consistently.”

I also knew that top investors did not “guess” their way to the accumulation of massive wealth. They don’t use emotions, feelings, or beliefs. They use logic and the foundation of logic is math.  See, publicly traded companies have historical data you can use to calculate the trajectory of a business.  In other words, top investors use math to make consistent returns in the stock market.

At this point, I was highly motivated to discover that math.  To do that, I decided to read as many investing books, watch as many videos, and listen to as many podcasts as I could to understand the logic behind stock investing.  I then applied my software engineering background to reverse engineer and test the math.  In most cases, the math failed but it didn’t take long to discover successful patterns.

In fact, within my first year of investing, I was able to generate a 15% return compared to the market average of 6%.

I knew I was on to something but I had to remain skeptical.  I didn’t doubt myself, I just knew I had to run more tests.

I have to admit, testing this tool was glamorous process.  In order to create successful products in the word of software engineering, you have to run extensive tests.  In this case, I ran thousands of manual tests with the motive to break the algorithm and prove it doesn’t work.  Yes, you read that correctly, I wanted to prove this DOES NOT WORK.  Honestly, that’s your goal in software engineering.  You want to break products so you are forced to make them better.

Over those 4 years, I refined, tested, and used TYKR and my returns ranged between 15% and 50%.  

In 2019 I started sharing the original TYKR tool (excel) with self-directed investors as well as institutional investors.  The common feedback was “you should turn this into a tool to share with others.”

In September of 2019 I started development on the software and in July of 2020, TYKR went live.  We now serve investors all around the world.

If you’re interested in learning more, you can join for FREE.  CLICK HERE to visit TYKR.

– Sean Tepper