No big challenge has ever been solved and no lasting improvement has ever been achieved unless people dare to try something different. Dare to think different.

It was hard at first. I craved the soft, chewy, comforting feel of bread. I craved crunchy pizza dough, sweet rolls, and all the foods that I learned contained wheat—things I had never suspected. For the first 10 days or so, I craved these foods, but I focused each day on staying disciplined; and, fortunately, my family and friends—even though they thought I was crazy—supported me in my quest. But as the days rolled along, I began to feel different. I felt lighter, more energetic. The nighttime stuffiness I had lived with for 15 years suddenly disappeared. By the end of the first week, I no longer wanted rolls and cookies and breads; it was as if a lifelong craving had miraculously abated. Every day I woke up feeling as though I'd had the best night's sleep of my life. I was beginning to believe.

One thing that I went through and I was able to understand is: It's OK to not be OK. Right? Like nobody's perfect.

Yeah, I remember exactly that—I was in San Francisco, playing at a beautiful venue, and the siren of an ambulance came through, and it fit so well with the song that I started to play more to draw it out. I like to play in more noisy places so that I can take advantage of all the sounds helping me to build new things. But the one I remember the most is that siren in that venue. Sometimes I’ll play in venues where they’ll have coffee machines or milkshake machines—all these noises that I hated maybe five years ago—I love them now.

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.

Sí, empezamos desde cero. Pedimos una licencia de financiamiento comercial, pero es difícil comenzar porque la banca se basa en confianza, regulación y escala. Hay barreras regulatorias que dificultan la entrada de nuevos jugadores. Es un sector históricamente cerrado, que favorece a los incumbentes. Aun así, logramos construir una marca fuerte y generar confianza en los consumidores.

Pix is probably the most successful payment infrastructure run by a government in history. I think Pix has been what has allowed a country like Brazil to leapfrog developed economies like the U.S. and in Europe, and has positioned Brazil today probably five years ahead of the U.S. I don't think anybody understands that, and probably in the U.S. they didn't really expect that.

¿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".

Los diferentes trabajos en los que he estado, después de mi graduación, han sido de 100 y 120 horas a la semana, especialmente empezando con Nubank. Básicamente vivía en el lugar de trabajo. Empezamos la compañía en una casa de dos pisos. Mi cofundador vivía en el segundo piso. Yo básicamente dormía en el primer piso, o pasaba muchas noches en el primer piso. No salimos de esa casa por seis o 12 meses porque trabajábamos como locos.

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.