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.

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.

Oh, most days. I can watch a political programme and think, “That sounds a really good point.” Then someone will argue the opposite and I’ll think, “Yeah, he’s got a point as well.” I am constantly sitting on a fence.

Give, give, give. The more you give, the happier you are.

Dependency. Fascism.

“You’re a narcissist!” From someone who was a narcissist himself.

Impatience and being bossy.

The years I lost trying to fix my second marriage.

I will be dead, why would I care?