To the extent that we ignore this, forget about it, become complacent, or believe that it is so infinite that it can take care of itself, we are in trouble.

I always say the Nubank story was very unlikely. It was a very low probability event. Again. We were going after these very big incumbent banks. Everybody told me, you know, you're Colombian. You have no idea what you're doing in Brazil. They're going to crush you. Like, don't. Just don't do it. And I did it mostly because everybody told me I couldn't do it. And so, if somebody tells me I can't do something, I want to go do it.

Yes, I do. I do, but I were part company with certain schools of writers that I do not believe that it is necessarily the duty of the writer. I don’t believe that. If a writer is true to his vocation, to his or her vocation, the very process of creativity enlarges these human horizons. It provides insights, even when you’re not writing, when your writing’s not dealing with a concrete political situation.

As I was starting my academic career, it was almost considered to be a negative signal to your career to get involved in politics ... But to me that was a sign you were doing something useful.

I was raised by a heroic single mom, wonderful grandparents -- made incredible sacrifices for me. … But I sure wish I had had a father who was not only present, but involved. Didn't know my dad. And so my whole life, I've tried to be for Michelle and my girls what my father was not for my mother and me. … I want to be a better father, a better husband, a better man.

I would end every night reading these ten letters. It made the numbers and the policies very concrete and very specific. And I was reminded that the choices we were making were affecting millions of people. I found that to be very useful.

When I feel as if the people closest to me are happy and healthy and I'm connected with them, and when I feel as if I'm doing things that are making other people better and happy, then I feel real good. That's when I'm at my peak.

One of the things that Michelle and I are proud of is that we came through the White House with our souls intact. Everybody has heard: Power corrupts. I do think if you are placed in such an artificial situation, and your office has great importance, there is a tendency for people to want to please you. To not be as honest with you. We fought against that.

I deeply regret not having learned a musical instrument. And I regret not having focused more on Spanish when I was studying it in school. I would love to be able to speak Spanish fluently and play an instrument.

And finally, change requires more than just speaking out -- it requires listening, as well. In particular, it requires listening to those with whom you disagree, and being prepared to compromise. When I was a state senator, I helped pass Illinois's first racial profiling law, and one of the first laws in the nation requiring the videotaping of confessions in capital cases. And we were successful because, early on, I engaged law enforcement.