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.

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.

All organisms rely on exchange. They form symbiotic partnerships in order to obtain the energy that they need to survive. Energy is the currency of nature.

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.

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.

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.

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.