The mystery of summoning up words. Where are they in the mind, in the brain? They appear to be an agency from nowhere. They exist somewhere in our ground or in our air. They come from unknown darkness. From a place we normally don't think about.

We still have a long way to go, we still have many obstacles and many challenges to face. It’s far from perfect, and it may never be, but I think as long as we do the best we can to improve conditions, then people will be benefited.

I think most of our major challenges are not going to be in the physical field at all. I think they’re going to be in the field of human relations, of getting on with each other, of contributing. People accepting that they have to contribute something, their thoughts, their ideas, maybe even their money, towards producing a world society that is perhaps a little bit more honest and reasonable than it is now.

we know the fish, we know the worm, we know the fly, but we don’t know the links between and we don’t know, when we go back to the branches in evolution, we really don’t know what happened there when they branched and how they divert and what is the major drive for evolution.

¿Es la tecnología, el machine learning y la inteligencia artificial? Sí, es verdad, pero al final la diferencia es que hacemos algo que mi mamá me decía cuando era chiquito: "Tratemos a los demás como nos gustaría que nos traten a nosotros".

The simplicity and yet profoundness of the above logic leads us to conclude that for us the most natural and truthful path is to invest this wealth until "our last check bounces", as one of our personal heroes, Chuck Feeney, likes to say.

Vicky, qué pregunta más difícil (risas). Voy a hablarle de los casos que nos han inspirado, como Charles Feeney, cofundador de los Duty Free Shop en los aeropuertos. Él hizo eso en los años ochenta. Se volvió uno de los hombres más ricos del mundo cuando vendió su compañía e inmediatamente se dedicó a la filantropía y gastó todo su dinero en metas sociales.

Me gustaría que la gente se viera empoderada a construir, a resolver problemas. Que salgamos muchas veces de esa visión de víctimas en la que dependemos de muchas fuerzas. Que veamos problemas como grandes oportunidades para ayudar a resolver. Por ejemplo, frente a esa mala experiencia con los bancos, como me pasó en Brasil, mucha gente se hubiera sentado y quejado del banco. Pero vi una oportunidad gigantesca de ir y competir contra él.

I wish I knew more about Clojure, which is the programming language we use most at Nubank. If I did, I could better understand some of the more complex problems we're trying to solve, and I think I could ask better questions when we're setting priorities. I'd like to be able to communicate at that level with the technical side of our team, and I think they would appreciate it, too.

we should invest the majority of our wealth the same way we are investing the majority of our time- by helping to improve people's lives.