Persistence. Change doesn't happen overnight. You have to stay with it. Rosa Parks helped start the Civil Rights movement in earnest in 1955. Then it was nearly a decade until the Civil Rights Act was passed.

Just the idea of making money can increase your skin conductancy, meaning there's a current of excitement.

One of the best ways to convince someone is to use a telling example, a story, a narrative. When Steve Jobs announced a new product, he told a story, exzlaining how a product would change the world as we know it. He turned Apple into a story whose challenges and adventures you want to hear about.

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.

It's a Wonderful Life. This film illustrates that if you treat your customers with respect, they will recognize you and even help when you're most in need.

We don't invest in financial literacy in a meaningful way. We should be teaching elementary school children how to balance a checkbook, how to do basic accounting, why it's important to pay your bills on time. First, education. Begin the learning process as early as possible, in elementary school. Second, encourage and support entrepreneurism. Third, policy. I know it's a priority of the US Treasury to augment financial inclusion and increase financial literacy.

People have tried to control other people by trapping them with debt. A loan can become a harmful and dangerous weapon.