We ought to be incentivizing people to save more of their own money for use taking care of their healthcare expenses, and what we have done is we have set it up where health savings accounts are harder and harder to use for narrower and narrower purposes.

If the whole process of learning from failure means discarding stuff that's not working, but in fact, our natural reaction is to keep going, to throw more money behind it, to throw more emotional energy behind it... that's a real problem.

Your team has to understand that coming into the ABA, you have to have your investments right and sponsorships and people ready to give you money so they can back you up.

Money Quotes