Innovation is not just about technology; it's about solving real-world problems in ways that create value for all stakeholders.

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.

互联网的力量在于它连接人们的能力。