I just finished reading BJ Fogg's new book, Tiny Habits: The Small Changes That Change Everything. Fogg explains that the best way to build a new habit is to start small and succeed, rather than starting too big and giving up. For example, rather than trying to exercise for 30 minutes a day, he recommends aspiring to do just one push-up, and doing it consistently. This approach may be helpful to those of you who want to spend more time studying. If you hold yourself accountable for watching, say, 10 seconds of an educational video every day — and you do so consistently — the habit of studying daily will grow naturally.

That night, I realized there are no warmups, no practice rounds, no reset buttons. Every day we're writing a few more words of a story. And when you die, it's not like “here lies Drew, he came in 174th place.” So from then on, I stopped trying to make my life perfect, and instead tried to make it interesting. I wanted my story to be an adventure — and that's made all the difference.

You'll see I wear only gray or blue suits. … I'm trying to pare down decisions. I don't want to make decisions about what I'm eating or wearing. Because I have too many other decisions to make. … You need to focus your decision-making energy. You need to routinize yourself. You can't be going through the day distracted by trivia.

I told our Ariel team, we are not going to limp out of COVID. We're going to slingshot out of COVID. We're going to be pulling that rubber band back and back, and we're going to be warehousing ideas, and getting work done, and so when this is over we will pole vault ahead.

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.

¿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".

Sí, empezamos desde cero. Pedimos una licencia de financiamiento comercial, pero es difícil comenzar porque la banca se basa en confianza, regulación y escala. Hay barreras regulatorias que dificultan la entrada de nuevos jugadores. Es un sector históricamente cerrado, que favorece a los incumbentes. Aun así, logramos construir una marca fuerte y generar confianza en los consumidores.

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.

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.