With all the abundance we have of computers and computing, what is scarce is human attention and time.

India for sure is a mobile-first country. But I don't think it will be a mobile-only country for all time. An emerging market will have more computing in their lives, not less computing, as there is more GDP and there is more need. As they grow, they will also want computers that grow from their phone.

It's not about the failure, it's about learning from the failures. Failure itself cannot be celebrated.

You look at marketing: everything that's happening in marketing is digitized. Everything that's happening in finance is digitized. So pretty much every industry, every function in every industry, has a huge element that's driven by information technology. It's no longer discrete.

Every opportunity I got, I took it as a learning experience.

I think the combination of graduate education in a field like Computer Science and the opportunity to apply this in a work environment like Microsoft is what drove me. The impact these opportunities create can lead to work that has broad, worldwide impact.

If you talk about STEM education, the best way to introduce anyone to STEM or get their curiosity going on, it's Minecraft.

I will talk about two sets of things. One is how productivity and collaboration are reinventing the nature of work, and how this will be very important for the global economy. And two, data. In other words, the profound impact of digital technology that stems from data and the data feedback loop.

Businesses and users are going to use technology only if they can trust it.

We want to build intelligence that augments human abilities and experiences.

Human language is the new UI layer, bots are like new applications, and digital assistants are meta apps. Intelligence is infused into all of your interactions.

One thing we've talked a lot about, even in the first leadership meeting, was, what's the purpose of our leadership team? The framework we came up with is the notion that our purpose is to bring clarity, alignment and intensity.

The thing I'm most focused on today is, how am I maximizing the effectiveness of the leadership team, and what am I doing to nurture it?

I went through a phase of reading lots of Urdu poetry, thanks to the great transliterated versions that have become available.

When I think about my career, my successes are built on learning from failures.

At Microsoft, we're aspiring to have a living, learning culture with a growth mindset that allows us to learn from ourselves and our customers. These are the key attributes of the new culture at Microsoft, and I feel great about how it seems to be resonating and how it's seen as empowering.

We had the Windows app store in Windows 8, but one of the big changes in the design of Windows 10 is to make sure that the app store is front and center where our usage is, which is the desktop.

I'm a very positive person. My grandmother taught me that happiness is both a skill and a decision, and you are responsible for the outcome.

Things have gone beyond my wildest expectations and dreams, and I feel like I've been given so many blessings in my life, between my friendship with the guys in the band, our wonderful audience, being able to play this music, and then my family.

I've been sober for two-and-a-half years, My children are happy. In August, my wife and I will celebrate our fifteenth wedding anniversary. My band is back together with a sold-out tour.

My life had become a catastrophe. I had no idea how to turn it around. My band had broken up. I had almost lost my family. My whole life had devolved into a disaster. I believe that the police officer who stopped me at three a.m. that morning saved my life.

Equality implies individuality.

I've always loved the experience of working together with other people toward an artistic goal.

Finding good partners is the key to success in anything: in business, in marriage and, especially, in investing.

The size of your success is measured by the strength of your desire; the size of your dream; and how you handle disappointment along the way.

If I have cash and I can't figure a way to put it into real estate or my business, I hold it in gold and silver.

If you or I fail at business, we fail. If we cheat and fail, we go to jail. But if you're rich and politically connected, your incompetence may be protected by a government bailout.

This rise of the new global mega-rich is happening as established institutions are falling. The fall runs the gamut from the music business and traditional media to the Detroit automakers who find themselves obsolete, outmaneuvered, and out-priced by entrepreneurs in Silicon Valley, Mumbai, Shanghai, and even Siberia.

Start a part-time business and make as many mistakes as you possibly can while you still have your daytime job.

When times are bad is when the real entrepreneurs emerge.

Warren Buffett is famous for talking about the 'intrinsic value' of stocks. But while many people parrot this phrase, few know what it really means.

The thing I always say to people is this: 'If you avoid failure, you also avoid success.'

Financial freedom is available to those who learn about it and work for it.

When you combine boring with fear, you have fun.

If you want to thrive in today's economy, you must challenge the status quo and get the financial education necessary to succeed.

Until we have comprehensive financial education, we'll never see the end of our booms and busts.

Most small-business owners have no financial education when they started. They weren't trained to be entrepreneurs.

Academic qualifications are important and so is financial education. They're both important and schools are forgetting one of them.

Education is what you learn after you leave school.

Commodities such as gold and silver have a world market that transcends national borders, politics, religions, and race. A person may not like someone else's religion, but he'll accept his gold.

My company survives because I've learned to respect the ideas of people younger than me and recognize when my wisdom is obsolete.

Over a 10-year period, 99 out of 100 new entrepreneurs will fail. Only one will be left standing as others get pushed out of the market or burn out from working so hard. It's really sad.

For something to collapse, not all systems have to shut down. In most cases, just one system is enough. For example, the human body is a system of systems. If just one system, such as the cardiovascular system, shuts down, death follows.

The best way to predict the future is to study the past, or prognosticate.

Millions of Americans and people around the world, especially young people who face intense financial challenges today, haven't been taught how to take control of their financial future.

If you don't like the idea that most of the money spent on lottery tickets supports government programs, you should know that most of the earnings from mutual funds support investment advisors' and mutual fund managers' retirement.

Strength and compassion are not mutually exclusive.

People clinging to job security, savings, retirement plans, and other relics will be the ones financially-ravaged from 2010-2020, the most volatile world-changing decade in history.

History reminds us that dictators and despots arise during times of severe economic crisis.

The Web and new technology offer more opportunities to reach a world market at a lower price. Today, a person can start a business at home and reach the world market.