Well, I will bring this technology to clinics. I really want to help as many patients as possible. As you may know, I started my career as a surgeon 25 years ago. But it turned out that I am not talented as a surgeon

My last piece of advice is the one I could have used the most. It took me a long time to learn. And it is this: You are not a slacker if you cut yourself some slack. When I was your age, I didn't believe in vacations. I didn't believe in weekends. I pushed everyone around me to work very long hours. In the early days of Microsoft, my office overlooked the parking lot—and I would keep track of who was leaving early and staying late. But as I got older—and especially once I became a father—I realized there is more to life than work. Don't wait as long as I did to learn this lesson.

I go back to this idea that I only discovered when I was older. I wish I had known it when I was younger, because I think I missed a lot of observations in life. That is to develop your own philosophy. I always thought philosophy was one of the most useless subjects in the world.

The advice I would give any young person is, first of all, to rid themselves of prejudice against other people and to be concerned about what they can do to help others. And of course, to get a good education, and take advantage of the opportunities that they have. In fact, there are more opportunities today than when I was young.

I think a lot of that first wave of entrepreneurship was missing the product of localization, and they weren't really asking the question, "What are the big, impactful products or problems that we got to solve locally, and forget about the U.S. or forget about Europe?"

Pix is probably the most successful payment infrastructure run by a government in history. I think Pix has been what has allowed a country like Brazil to leapfrog developed economies like the U.S. and in Europe, and has positioned Brazil today probably five years ahead of the U.S. I don't think anybody understands that, and probably in the U.S. they didn't really expect that.

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.

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.

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.

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.