we can select one gene out of those 20,000 genes, and completely destroy that one particular gene so that we can understand the function of that particular gene. I got very interested in that technology. It was 1992 or 1993 when I graduated from my Ph.D. school. So I decided to study — I decided to learn about knockout mouse technology. But at that time in Japan, only a few scientists were working on knockout mouse technology

We have all these interesting challenges now. No one knows whether automation and robotics, nanotechnology, will kill more jobs than it creates. If it does, that presents a serious problem. What are we going to do? Have a few of us work to support everybody else, or shorten the workweek for everybody? If so, how do we get from here to there? No one knows yet how we’re going to stop cyber terrorism from wrecking honest discourse in democracy and maybe putting our very lives at risk.

There's still much to do, and I'm not slowing down.

And in many, many parts of the world, if you’re going to deprive a parent of custody of their child, you better give them a lawyer. And we don’t. We have an unequal representation of people in our court system. And that does, I think, provide an injustice that we don’t pay enough attention to.

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.

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.

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 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.

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.