這個中國男孩叫李伯倫( Bolun Li )，是地道的北京人。他從小就不喜歡中國的教育體系，在玩過 GTA 游戲后，就愛上了美國文化，立志要去美國看看。
This Chinese boy is named Bolun Li and he is a native of Beijing. He never liked the Chinese education system from a young age, and after playing the game GTA, he fell in love with American culture and was determined to go to the US to see it for himself.
13 歲的時候，他被父母送到了美國波士頓的一個小鎮念高中。剛到美國的他幾乎不會說英語，于是就提前錄制了自己的英文介紹視頻。見到學校的面試官，就放視頻給他們看，全程什么都不說。就算這樣，他還是被學校錄取了。
At the age of 13, he was sent by his parents to attend high school in a small town in Boston, USA. When he first arrived in the United States, he could barely speak English, so he recorded an English introduction video of himself in advance. When he met the school interviewers, he simply played the video for them without saying anything. Even so, he was still admitted to the school.
當他在巴布森大學學習創業課程時，癡迷于創建一張青少年借記卡的想法。后來轉到達杜克大學后，他仍然執著于這個想法，一有機會就和其他人交流。
When he was studying entrepreneurship courses at Babson College, he became obsessed with the idea of creating a debit card for teenagers. After transferring to Duke University, he remained committed to this idea, and whenever he had the chance, he would discuss it with others.
他偶然地認識了當時美國金融信息公司 Sageworks 的 CEO 斯科特（Scott Ogle）。斯科特并不看好李伯倫的“青少年借記卡”項目，并告訴他銀行需要“交鑰匙解決方案”，而不是另一個借記卡系統。但斯科特覺得李伯倫很像他年輕的時候，于是給了李伯倫一筆錢 —— 一張10萬元的支票。
He accidentally met Scott Ogle, the CEO of the American financial information company Sageworks. Scott was not optimistic about Bolun's "teen debit card" project and told him that banks needed a "turnkey solution" rather than another debit card system. However, Scott felt that Bolun reminded him of his younger self, so he gave Bolun a sum of money—a check for $100,000.
李伯倫拿到10萬美元之后的第一件事，就是去買了一輛保時捷跑車。剩下的錢用來注冊了一家名為 Zogo Finance 的金融科技公司。接下來，他就開始招募初創的團隊，因為他自己并不怎么會寫代碼。
The first thing Lieblen did after receiving $100,000 was buy a Porsche sports car. The rest of the money was used to register a fintech company called Zogo Finance. Next, he started recruiting start-up teams because he wasn't much of a coder himself.
他在杜克大學 Facebook 群組上寫了一篇帖子，意思是只要你會寫代碼，并能夠一起創業，那你現在就可以過來，我在五星級酒店等你，一起共進晚餐。
He wrote a post on the Duke University Facebook group, saying that if you can code and want to start a business together, you can come now. I'm waiting for you at a five-star hotel, let's have dinner together.
他原本估計會有 3-5 個人過來就很不錯了，結果接下來發生的事情大大超過他的預期。超過 30 位才華橫溢的杜克工程師齊聚一堂！他們不得不改變計劃，去一家面館吃飯。就是這一次，他遇到了他的第一位創業合伙人西姆蘭·辛格 ( Simran Singh )。
He had expected three to five people to come and it was good, but what happened next was much more than he expected. More than 30 talented Duke engineers in one room! They had to change their plans and eat at a noodle restaurant. It was this time that he met his first entrepreneurial partner, Simran Singh.
他們聽取了斯科特的建議，把 Zogo 設計成為了一款教授年輕人財務知識的應用軟件，不但可以學到很多理財知識，還可以通過學習贏得積分，兌換現金獎勵。
They took Scott's advice and designed Zogo as a financial literacy app for young people, where they could not only learn a lot about money, but also earn points that could be redeemed for cash rewards.
當 Zogo 還只是PPT時，他們就贏得了一些金融機構的支持，因為傳統金融機構不太會和年輕人打交道。所以，他們很愿意通過 Zogo 和年輕人溝通，并獲取他們的相關信息。
When Zogo was just powerpoint, they won the support of some financial institutions, because traditional financial institutions do not deal with young people. Therefore, they are very willing to communicate with young people through Zogo and get information about them.
在李伯倫大學畢業的前一個月， Zogo 被一家大公司收購了。他在推特上（現在的X）上發了條貼子：
A month before Liebron graduated from college, Zogo was acquired by a large company. He posted this on Twitter (now X) :
“我在交易完成前飛往洛杉磯，諷刺的是，洛杉磯恰好是 GTA 的所在地。我坐在曼哈頓海灘的一家星巴克里，刷新了我的銀行賬戶。砰！零比我見過的還要多。終于自由了！”
"I flew to Los Angeles before the deal closed, which ironically happens to be where the GTA is. I sat in a Starbucks in Manhattan Beach and refreshed my bank account. Baaaah! Zero is more than I've ever seen. Free at last!"
團隊方面，Zogo最初只有1名員工，但在收購時已經發展到35人，目前團隊規模擴大到了50人。
Team-wise, Zogo started with just 1 employee, but had grown to 35 people at the time of acquisition, and now the team has expanded to 50 people.
