I think most of our major challenges are not going to be in the physical field at all. I think they’re going to be in the field of human relations, of getting on with each other, of contributing. People accepting that they have to contribute something, their thoughts, their ideas, maybe even their money, towards producing a world society that is perhaps a little bit more honest and reasonable than it is now.

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.

The mystery of summoning up words. Where are they in the mind, in the brain? They appear to be an agency from nowhere. They exist somewhere in our ground or in our air. They come from unknown darkness. From a place we normally don't think about.

There are many battles. There’s so much that needs to be done. We need to protect the environment. Save this little planet. Not just this little piece of real estate we call America, but save the planet.

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.

¿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.

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.

Moving closer to work. I live in São Paulo, Brazil, and I used to spend an hour or more in traffic every day, just sitting in the car getting frustrated and anxious. It was a waste of my time.

Queremos crear un ambiente familiar en donde no todo sea fácil, en donde no todo les caiga del cielo, sino que puedan construir su propio camino y tengan ese sentido de desesperación y esa hambre. Eso significa también que todo ese dinero no se les va a dejar a ellos. Se les dará muchísimo amor, como les damos, y muchas oportunidades de educación y de desarrollo, pero todo ese dinero no es para ellos.