Reputation will become an even more important currency in the future.

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.

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.

Albert Murray's The Omni-Americans is the most valuable non-business book because it discusses how you have to draw upon everyone's creativity. America is a mash-up of cultures and traditions, and great businesses know how to tap the strengths of all their employees, whatever their background may be.

All decisions originate in the brain. So if we can better understand what's happening in the brain when we make investment decisions, maybe one day we'll be able to make more accurate financial forecasts - for a stock or even the entire market.

Reputation will become an even more important currency in the future.