While I’m on stage, you are all my guests, because that’s sort of the unsaid agreement. While you’re my guest, if something bad happens on stage, I often think of Julia Child, “Oh, the chicken’s fallen on the floor! Yes. Oh, well pick it up and put it right back.” And you know what? Everybody’s with you. […] So whatever you practice for on the engineering side that fails is all right, because we have a greater purpose. The greater purpose is that we’re communing together and we want this moment to be really special for all of us. Because otherwise, why bother to have come at all? It’s not about proving anything. It’s about sharing something.

I was really vulnerable right before I left the coach, and I said to him, 'Are you still going to love me if I don't win this thing?'

Oh ya, I doubted more than expected. I had doubts all the time. The way was extremely, extremely difficult. … At one point I had to describe what I am doing to a person who is a great intellectual but not a scientist, and I told him what we felt is that we are climbing mountains in order to reach the climax – and these mountains are like the Everest, the biggest most difficult to climb – only to find out that there is another mountain waiting behind it to be climbed afterwards. So every climbing was an achievement but there was a bigger problem behind it or above it. I had lots of minutes that I didn't expect, but I thought science in general and this science particularly is worth the effort – even if we would never get the ultimate result.

First of all, you learn to manage stress. You learn to live with stress. I mean, stress is there all the time. There’s no question about it. It’s in the morning. It’s at night. It’s at 3:00 in the morning, but you need to learn how to manage stress. Sometimes it’s more difficult than others, but you try to distract yourself. Whenever I have the chance, I like to go and have a round of golf. I have a passion for modern art. I have a passion for antique carpets, classical music. To me, these are distractions, and sometimes my wife, she think I’m obsessed with these little things, but I tell her it is my way of distracting myself from just constantly continuing about my work. But the stress is there. But sometimes, the euphoria you get from a sense of achievement in many ways compensates all the stress you had for a year or two.

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.

Me gustaría que la gente se viera empoderada a construir, a resolver problemas. Que salgamos muchas veces de esa visión de víctimas en la que dependemos de muchas fuerzas. Que veamos problemas como grandes oportunidades para ayudar a resolver. Por ejemplo, frente a esa mala experiencia con los bancos, como me pasó en Brasil, mucha gente se hubiera sentado y quejado del banco. Pero vi una oportunidad gigantesca de ir y competir contra él.

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.

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.

¿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".

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.