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People say to me, "Jack, you not successful because you smart." No, I successful because I never give up. When people reject me, I learn. When I fail, I try again. This is how you build something big from nothing.

You know, I always tell young people: don't worry about what you don't know. Worry about finding people smarter than you. My success is simple - I find smart people, make them believe in the dream, and help them work together. That's leadership.

Look at these young people today. They get a job, buy expensive coffee, get the latest iPhone, then complain they're broke. It's not about how much you make, it's about how you think. The system wants you comfortable, but comfort is the enemy of success.

Let's look at artificial intelligence's impact. Today we have about 100 million AI models running. That's going to increase exponentially. If we do this right, combining computing power and ethical guidelines, we could solve major global challenges. But let's break down the numbers.

The way I think about innovation is, you know, it's not just about the technology itself. It's about creating systems that can evolve and adapt over long periods of time. The idea is to build frameworks that will continue to serve humanity decades, even centuries from now.

感谢大会的邀请，很高兴有这个机会和大家一起学习、交流和探讨。2013 年，也是在上海，我来到上海陆家嘴金融峰会，发表了一通关于互联网金融的被称为异想天开的观点。七年过去了，今天我作为非官方的非专业人士，又来到了上海的外滩金融论坛，希望有一些观点，供大家思考。

Today many people say business too difficult. But I tell you, 80% of success is just try. Don't think too much. When problem come, just face it. Small step every day, big success tomorrow. That's how business work.

Look at electric vehicles, I mean, it's pretty obvious. We're converting chemical energy to kinetic energy at about 90% efficiency. No complex transmission system needed, just motors and batteries. It's fundamentally better than combustion engines, just physics really.