There was a period when I did four or five terrible films. My agent said: “Don’t do them.” But it was my month’s rent for a day’s work. One time, my green room was a lorry. It started snowing and it was just me and a plastic chair in the back of an open lorry. It was pretty grim.

I had to clean up the sump pump [toilet system] in my house because my sister and I flushed things we shouldn’t have.

Caddying for really rich people at this country club in Connecticut when I was a teenager. They would talk like I wasn’t there so I would hear all about their lives, their affairs and their stupidity, and yet I couldn’t say anything.

I waited tables for one night at the turn of the century. They were being fussy about how I put the food on the plates, and I couldn’t have cared less.

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.

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.

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.

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.

No, falta mucho por construir. Estoy muy contento con lo que hemos podido construir en Nubank en estos casi diez años. En lo personal, tengo una familia con cuatro niños chiquitos y eso es un desafío gigantesco, que crezcan, sean buenas personas y lleguen a ser buenos ciudadanos. Es un gran desafío en el que estoy muy enfocado.

Apenas me despierto, a las 5:00 a. m., cuando voy a hacer deporte. Es lo primero que cojo cuando me despierto. No es la mejor práctica, pero sí desde tempranito.