创新不仅仅是技术的问题；它关乎改变人们的思维和行为方式。

Never use a credit card for credit. The only kind of credit， or debt， that is acceptable is debt to acquire something whose exchange value is extremely likely to increase， like in a home. The exchange value of most things diminishes or vanishes the moment you purchase them. Don’t be in debt to losers.

The world is in a constant state of flux. Nothing remains the same from one moment to the next. You can never step into the same river twice.