I used to be “Mister Disinvestment.” Now I would like to be Mister Investment and say, “Come! Come and be part of an exciting, exhilarating process. Come in! Come in on the ground floor and see a people do something that’s probably never happened before, people seeking to become something radically different from what their antecedents would have made us believe they were likely to become.

I changed my mind on airing my views. Sometimes silence is better.

When I was younger, I thought that was all you needed. If you understand physics, how hard can it be to run a team? The idea that some skills, like managing people, are not correlated with scientific IQ — in fact some of them are negatively correlated to scientific IQ — took me a while to figure out.

In the first few months of Nubank, I asked everybody to be here by 8:00 a.m. every day. I saw it as a test of people's commitment, and I was pretty rigid about it.

Not being able to laugh at themselves.

Healthier food from motorway service stations – I am always going through them late at night and it’s all rubbish.

By people smiling or shaking their heads. I’ll even take rolling their eyes.

A Pot Noodle on a cold day.

To people who I’ve made a really quick joke about on stage and hurt.

Always trying to turn things into a joke.