如果你出生贫穷，那不是你的错。但如果你死时仍然贫穷，那就是你的错。

The art of algorithm design is not just in solving problems, but in discovering new ways to think about them.

孤独的人有他们自己的泥沼。

生命周期假说认为，个人会在一生中规划其消费和储蓄行为。

Reality is not what happens to us, but what we do with what happens to us.

创新不仅仅是技术的问题；它关乎改变思维方式并拥抱新的思考方式。