Bill [Gates] and I believe philanthropy can only be effective if it starts things and proves whether they actually work or not. That's the place that governments often don't want to, or can't, work.

In the developing world, they don't have smartphones yet. They have the older plastic phones, but women are saving money on those, because they don't have access to banks. Having that access to digital money changes everything for her because she actually doesn't have to negotiate with her husband, which she will tell you is very hard in these circumstances, especially when the means are meager. She's expected to have money to pay for the kids' health or to help with the school fees.

When we invest in women, we invest in a powerful source of global development

[Bill Gates] wanted me to stay working at Microsoft, but I didn't think he could be CEO and we could have the family life that we both had growing up, which is what we envisioned. I knew I would go back to work at some point later to some profession. I just didn't know what.

The premise of this foundation is one life on this planet is no more valuable than the next.

When I studied computer science at Duke University in the first half of the 1980s, I had professors who treated women differently than men. I kind of got used to it. At Microsoft, I had to use my elbows and make sure I spoke up at the table, but it was an incredibly meritocratic place. Outside, in the industry, I would feel the sexism. I'd walk into a room and until I proved my worth, everyone would assume that the guy presenting with me had credibility and I didn't.

If you are successful, it is because somewhere, sometime, someone gave you a life or an idea that started you in the right direction. Remember also that you are indebted to life until you help some less fortunate person, just as you were helped.