CONSUMER

Every time someone buys something with Affirm instead of a credit card, we've saved them from the compound interest trap.

Grocery delivery isn't about convenience. It's about giving people back the most precious thing they have — their time.

We do not sell to vegans. We sell to meat lovers. If our burger is not delicious to someone who eats beef every day, we have failed.

I invest in products I use. If I am ordering it, wearing it, or recommending it to my friends, I want to own a piece of it.

We took the most hated shopping experience in America — buying a mattress — and made it fun.

Buying a used car in Mexico was terrifying. No history, no warranty, frequent fraud. We fixed that.

Overdraft fees cost Americans $35 billion annually. That's a tax on being poor. Varo charges zero.

I invest in products I love. If I'm using it every day, other people probably will too.

Instagram succeeded because it made everyone feel like a photographer. The best products make ordinary people feel extraordinary.

Yelp showed that local information — restaurant reviews, business hours — was a product people would organize their lives around.

The essence of Pinduoduo is Costco plus Disney. Value plus fun.

Consumer surplus is the only real moat. If you give people more value than they expect, they will always come back.

The Arab consumer is sophisticated. They do not want second-class versions of global brands. Give them the real thing, operated at the highest standard, and they will be loyal for a generation.

The next generation of Chinese consumers does not want to copy the West. They want to define their own version of success.

Makeup should make you feel like you, but better. Not like a mask.

Your audience is your most valuable asset. Protect that trust with everything you have.

President's Choice is not a discount brand. It is a quality brand at an accessible price. That distinction matters. Great food should not require a premium income.

China was always the prize. As families grew richer, they would want a trusted brand of cooking oil.

The significant investment opportunities that are correlated to China's middle-class consumption and innovation will be here to stay.