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We're not competing with Apple. We're competing with the idea that new is always better. That's a much harder fight.
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Airbnb, Uber, Spotify — my best investments were all things my friends in Iowa would have used. If it only works for San Francisco tech people, I pass.
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Travel is the largest consumer category in the world. People will cut spending on almost everything before they cut spending on experiences.
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People don't want to commit to one gym. They want to try boxing on Monday, yoga on Wednesday, and cycling on Friday. We made commitment-phobia a feature.
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Young people aren't avoiding credit cards because they can't get them. They're avoiding them because they don't trust them.