In 1900 Americans on average lived for only 49 years and most working people died still on the job.

If we have wealth, it will be protected from inflation and possibly even enhanced in value.

Animal-rights advocates remind us of this admonition: The ways in which people treat animals will be reflected in how people relate to one another.

Obviously, people with low or even moderate incomes could not afford such savings rates, and even diligent savings from their low wages would not be enough to pay for either retirement or healthcare.

And it turns out that tribes, not money, not factories, that can change our world, that can change politics, that can align large numbers of people. Not because you force them to do something against their will. But because they wanted to connect.

So another challenge for our generation is to create global institutions that reflect our ideas of fairness and responsibility, not the ideas that were the basis of the last stage of financial development over these recent years.

Created by Congress as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, the CFPB was a direct response to the financial crisis and ensuing Great Recession that began with the subprime mortgage debacle and the unraveling of Lehman Brothers investment bank.

Money is just a consequence. I always say to my team, 'Don't worry too much about profitability. If you do your job well, the profitability will come.'