Look at Google. They are re-organizing their businesses ,even renaming it with Alphabet, so they can be bolder and make strategic mistakes and then learn from them. But most companies aren't Google in that they make incremental changes and don't go for the moon shot.

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

We need to have financial literacy in America, not just complaining about obstructionism. We need solutions. And I think the solutions are using high finance to make capitalism work for people around the world.

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.

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.

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.

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.