Money numbs your senses. People who touched paper money and then placed their hands in hot burning water didn't feel as much pain as those who hadn't touched money.

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.

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.

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.

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.

The oldest and most important currency is debt.