Finding gratitude and appreciation is key to resilience. People who take the time to list things they are grateful for are happier and healthier. It turns out that counting your blessings can actually increase your blessings. My New Year's resolution this year is to write down three moments of joy before I go to bed each night. This simple practice has changed my life. Because no matter what happens each day, I go to sleep thinking of something cheerful.

Every year I get more of an understanding of what I need to be happy. If I haven’t slept enough, or if I haven’t exercised, I’m more likely to be in a bad mood. My silly brain will think it’s because I haven’t written a good joke that day, but actually I’m just tired or I need a poo.

You'll see I wear only gray or blue suits. … I'm trying to pare down decisions. I don't want to make decisions about what I'm eating or wearing. Because I have too many other decisions to make. … You need to focus your decision-making energy. You need to routinize yourself. You can't be going through the day distracted by trivia.

Moving closer to work. I live in São Paulo, Brazil, and I used to spend an hour or more in traffic every day, just sitting in the car getting frustrated and anxious. It was a waste of my time.

And all the while I was growing up, of course, there were just constant conversations about money and money being tight and how are we going to make ends meet and sometimes not having enough money. And it really just made me committed to living a life with much more financial security.

I really appreciate the fact, and I constantly tell Reverend Jackson and Reverend Sharpton that I appreciate the fact that they're fighting for us, because I am an accident of birth.

That moving a lot really committed me to stability and committed me to ... being in control of my destiny. That was something that was very important to me. And it also made me very conservative about money.

Our business everyday is to make money for people. And I take it as seriously as doctors who are trying to cure cancer, because by giving people financial freedom, we allow them to do great things in their lives - from retire to send their kids to college, to buy their first house, to fund a business that they might want to start.

We would constantly have to move because we couldn't quite afford the places that we were living. And sometimes we got evicted. And it was just very, very difficult as a child to try to understand that.

We cannot afford to be color blind. We have to be color brave. We have to be willing, as teachers and parents and entrepreneurs and scientists, we have to be willing to have proactive conversations about race with honesty and understanding and courage, not because it's the right thing to do, but because it's the smart thing to do, because our businesses and our products and our science, our research, all of that will be better with greater diversity.