I was raised not to dream. I was told to live for others, so I don’t have many dreams, but I face countless obstacles and challenges. Arrogance, conflict, criticism, insults, inaction. At Toyota, there was so much rationalizing of why things couldn’t be done. As if doing nothing was the best option.

No. Unfortunately, it hasn’t worked out quite that way. At that time, everybody was euphoric that we will have a new world order, you know, a world order that does not rely on nuclear weapons, nuclear deterrence. Unfortunately, it didn’t work that way. ... We still have thousands of warheads in existence. We still have more than 20 — 30 countries relying on nuclear deterrence for their own survival.

I tried to get funding to shoot this film and couldn’t—nobody wanted to touch it, you know?

This cockroach-like existence is cumulatively intolerable even though on any given night it is perfectly manageable. “Cockroach” is of course an allusion to Kafka’s Metamorphosis, in which the protagonist wakes up one morning to discover that he has been transformed into an insect. The point of the story is as much the responses and incomprehension of his family as it is the account of his own sensations, and it is hard to resist the thought that even the best-meaning and most generously thoughtful friend or relative cannot hope to understand the sense of isolation and imprisonment that this disease imposes upon its victims.

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.

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.

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.

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.

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.

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.