The songs aren't all written. ... You don't know where they're going to go. That's the fun of the job. There's the usual malarkey, the usual gags, the usual stuff. And also a few songs written by way of kind of being farewells to people, goodbyes to people, gratitude to people. Expressions of, you know, this was a nice deal, life. But I don't think it's exactly weighted with sentimentality.

When Jeff Zaslow's column appeared in the Wall Street Journal (WSJ), about a dozen publishers emailed me, asked if I would be willing to write a book based on it. (I found this laughable, since at the time the palliative chemo was not yet working, and I thought I was down to about 6 weeks of good health). When the palliative chemo started working and we had some breathing room, I mentioned this to Jai, and she told me she wanted to do it. She was, in fact, quite emphatic. We had always talked about my "writing the manual" for her and the kids in my remaining time, and Jai felt that if it were a "real" project, I might take it much more seriously.

As I’ve gotten older, my goals have become more solidified. My main concentration is on the welfare of the people I’ve worked with in the Himalayas and on human welfare in general. I’m also extremely interested in the environment and trying to encourage people to be more concerned about what we’re doing to our world. Now I’m just one of thousands and thousands of people who have these same views these days. I think this is one of the great steps forward we’ve seen in modern decades — the considerable growing interest that people have in the environment and in keeping it reasonably clean and wholesome. I certainly hope it remains that way.

Yes, but I don’t think I have the energy. I’ve been hit in the face by a cricket bat at 1,000 miles an hour. I think the last round-up is here. But that’s OK. It would be bad manners to complain. I’ve had a lucky life, and I’m grateful for it.

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.

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.

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.

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.

The second thing there was another thing I learned at Sequoia is that the culture of a business is built in the first six months by the first ten to 15 employees. These are magical, really, really important times. And I used to hear a lot even at Sequoia, a lot of entrepreneurs saying, “Hey, I'm too busy to think about culture. When we become a unicorn, when we grow, I'll worry about culture.” And for whoever has kids, it's almost like saying I'm too busy about educating my kids. When they turn 18, then I'll figure it out. Too late.

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.