Vishal Garg Wiki, Age, Wife, Salary, Net Worth, Family, Reddit, Dolphins, Indian, Nationality, Ethnicity, Instagram

Vishal Garg Biography – Vishal Garg Wiki

Vishal Garg is the founder and CEO of, a digital-first homeownership company. According to his LinkedIn bio, he is also the founding partner of One Zero Capital, an investment holding company focused on creating and investing in businesses within consumer finance, technology, and digital marketing.

“To date, under Vishal’s leadership, has provided over $40 BN in home financing and provided over $16BN in cumulative coverage through Better Cover and Better Settlement Services, the insurance divisions of has raised over $400M in equity capital and is backed by SoftBank, L Catterton, Kleiner Perkins, Goldman Sachs, Ally Bank, American Express, Citi and other investors,” according to his Linkedin profile.

At the age of 7, Garg moved from India to Queens, New York with his family. In a 2019 podcast interview, Garg claimed his fascination with business started during high school, when he would purchase CliffNotes and other books to re-sell to his classmates at a markup. He then claims he moved into reselling thrift store clothes on eBay – a claim that is almost certainly incorrect, as eBay was founded after he left high school – before enrolling at New York University. He studied finance and international business.

In 2000, Garg and his high school friend and fellow immigrant, Raza Khan, began a private student loan company called MyRichUncle. The site separated itself from other lenders by using algorithms to determine the borrowing terms for interested students.

By 2007, Garg had dropped out of NYU, and the pair’s company had gone public, becoming one of the largest private student loan companies in the US. The company was eventually purchased by Merrill Lycnh, and later by Bank of America. Two years later the financial crisis hit, and MyRichUncle found itself forced into Chapter 7 bankruptcy.

Garg and Khan launched a new project, called EIFC, which used the same technology MyRichUncle used to determine borrowing terms to allow homeowners to identify loans that should have never been approved by the banks. That information could provide them with the tools needed to sue their banks that issued the predatory loans, according to The Independent.

By 2013, however, things between the pair turned sour, with Khan filing a lawsuit claiming that Garg – who oversaw the company’s finances – had not been filing the business’ taxes and that Garg had transferred $3m from the company’s coffers into his personal bank accounts.

The relationship between Garg and his former friend became uglier, with Garg claiming that Khan stole $400,000 – an allegation Mr Khan has denied – and resulting in a deposition during which Garg threatened to “staple [Khan] against a f wall and burn him alive.” Garg later apologised for the comments, but has since called Khan a “total charlatan who used to be my best friend.”

A year after Khan filed the lawsuit, Garg founded, which provides digital mortgage services for prospective homeowners. The company has long been touted as one of the hottest fintech startups of recent years, but by 2019 allegations of financial mismanagement began circulating among the company’s employees.

In 2021, Vishal launched a partnership with the Fund for Public Schools in NYC, donating nearly $2M to buy Chromebooks, Ipads, wifi hotspots, books and uniforms for over 20,000 new york city public school students from low-income backgrounds to better cope with at home and online learning during the COVID pandemic.

Vishal Garg Dolphins

In 2020, Garg made headlines for sending an extremely rude email to his team, where he equated them to “dumb dolphins”. In an email to employees obtained by Forbes, CEO Vishal Garg, wrote: “HELLO — WAKE UP BETTER TEAM. You are TOO DAMN SLOW. You are a bunch of DUMB DOLPHINS and…DUMB DOLPHINS get caught in nets and eaten by sharks. SO STOP IT. STOP IT. STOP IT RIGHT NOW. YOU ARE EMBARRASSING ME.”

Vishal Garg Zoom Call

“I come to you with not great news. The market has changed, as you know, and we have to move with it in order to survive so that hopefully, we can continue to thrive and deliver on our mission. This isn’t news that you’re going to want to hear. But ultimately it was my decision. And I wanted you to hear from me. It’s been a really, really challenging decision to make.”

“This is the second time in my career I’m doing this and I do not want to do this. The last time I did it, I cried. This time, I hope to be stronger. We are laying off about 15% of the company for a number of reasons — the market, efficiency and performances and productivity.

“If you are on this call, you are part of the unlucky group that is being laid off. Your employment here is being terminated effective immediately.”

The terminated employees will receive a month of severance pay, a month of full benefits, and two months of cover-up during which will pay the premium.

Following the mass termination, Garg – posting anonymously on the social network Blind – accused his former staff of being “lazy and unproductive.”

“You guys know that at least 250 of the people terminated were working an average of 2 hours a day while clocking 8 hours+ a day in the payroll system?” he wrote. “They were stealing from you and stealing from our customers who pay the bills that pay our bills.”

Garg confirmed to Fortune that he is the person who wrote the post, saying: “I think they could have been phrased differently, but honestly the sentiment is there.”

Vishal Garg Age

He was born in 1978 in India.

Vishal Garg’s Wife Sarita James

He is married to his wife Sarita James, the CEO of Embark, a leading college admissions software company.

Vishal Garg Children

He and his wife Sarita James have three children. The family lives in New York.

Vishal Garg Family

He and his wife, Sarita James, live in Tribeca – one of Manhattan’s wealthiest zip codes – with their three children and foster dogs.

Vishal Garg Salary

In 2020, Better handed Vishal Garg a token of holiday cheer: a $25 million bonus, paid entirely in cash, according to The Daily Beast. His equity in the firm is worth at least $1 billion, The Daily Beast estimated in 2021.

Vishal Garg Net Worth

He has an estimated net worth of $4billion. is valued at $6.9billion.

Vishal Garg Nationality

He is of American nationality.

Vishal Garg Ethnicity

He is of Asian ethnicity.

Vishal Garg Instagram