Researchers have found that identical twins who have been separated for long periods of time actually invest in a similar manner. Biology really does affect how we spend money.

The challenge of our generation, whether it's young lawyers, young investment bankers, is to make capitalism work for people not just around the corner, but for people all around the world.

The oldest and most important currency is debt.

In essence, money gives us the calories we need to survive. Over time, we became aware that exchange and cooperation increase our chances for survival. Eventually we create tools to facilitate trade. One of these tools is called money.

In some cultures, when you give someone a gift, it's expected that they will pass it on. This seems like a peculiar practice in the West, but in many other societies, a gift has a spirit. If you try to possess the gift, you remove its spirit as a gift.

I think the money for the solutions for global poverty is on Wall Street. Wall Street allocates capital. And we need to get capital to the ideas that are successful, whether it's microfinance, whether it's through financial literacy programs, Wall Street can be the engine that makes capital get to the people who need it.

It is important to understand that the most important currency is social debt. Doing things for others. In order to get, you have to give.