Julie Hesmondhalgh – she’s the kindest, brightest, most truthful woman. She’s so talented, works hard, cares about the right things, puts her energy in the right places. I adore her.

Grace Zabriskie – her style; her woodworking.

Dr. Pedro Cavadas, a pioneer in face transplants and a specialist in the transplant of severed members. This surgeon from Valencia devotes his summer breaks to travel to Africa and tend to children who have been castrated in tribal conflicts.

Just normal people from my hometown, from my country.

Primero, lanzarse, incluso sin tener todas las respuestas. Segundo, tener resiliencia y disciplina, porque los mercados son volátiles. Tercero, buscar grandes problemas del consumidor. Muchas oportunidades nacen de la frustración.

Now I try to protect one hour in the morning and one in the afternoon where I turn off Slack, and I don't check email. I might read, or write in a journal, or just go for a walk. It's become one of the most important parts of my day. It's when I'm most creative, and when I hit on ideas that can take the company in new directions.

¿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".

Un constructor.

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.

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.