My father had a series of blue-collar jobs and never made more than $20,000 a year. When I was seven, he got injured on a job. That was a very important point - because of the injury, he couldn't walk, and the company he was working for did not pay him. There was no compensation. So there was no money and no food.

The evolving social and digital media platforms and highly innovative and relevant payment capabilities are causing seismic changes in consumer behavior and creating equally disruptive opportunities for business.

We are not in the coffee business serving people, we are in the people business serving coffee.

Companies should not have a singular view of profitability. There needs to be a balance between commerce and social responsibility... The companies that are authentic about it will wind up as the companies that make more money.

Always challenge the old ways.

Hiring people is an art, not a science, and resumes can't tell you whether someone will fit into a company's culture.

When you start a company, it's a singular focus. You have the wind at your back.