Max Levchin is a serial entrepreneur and investor in 100+ startups. He's the founder and CEO of Affirm, the payment network powering consumer purchases and merchant growth. An original PayPal co-founder, Max served as CTO until its 2002 acquisition by eBay. This episode is brought to you by: ProLon: science-backed Fasting Mimicking Diet that helps activate cellular renewal through fasting, while still eating nourishing meals: https://ProlonLife.com/Tim Monarch track, budget, plan, and do more with your money: https://Monarch.com/Tim Shopify global commerce platform, providing tools to start, grow, market, and manage a retail business: https://Shopify.com/tim [00:00] Preview. [00:43] The Ronin line that rewired how Max makes every decision. [04:06] Paprika-style brain-computer interfaces. [07:08] PayPal's founders lived inside a Neal Stephenson novel. [13:25] Transformation via Neuromancer and Snow Crash. [17:43] The book that found Max his wife. [23:34] The real secret to a great marriage. [32:55] What's worth tracking, and what's not. [37:20] A scrawny kid, a clarinet, and a Kyiv velodrome. [40:01] What going all-out on a bike actually gives you. [44:13] The mantra by which Max rides. [46:16] A Soviet kid's fear of socialism. [56:19] Making a profit without destroying society. [58:00] What is Affirm, and why did every banker say it would fail? [1:14:06] Why the best mathematicians eschew the lending industry. [1:17:42] Does agentic commerce break Affirm, or supercharge it? [1:21:55] A PhD-level financial advisor in everyone's pocket. [1:23:55] How close are we to buying anything through one AI chat? [1:30:30] Improving your coffee: cheap, intermediate, and Bugatti options. [1:38:37] The books every first-time founder should actually read. [1:42:23] Claude Shannon, Ed Thorp, and the joy of playful genius. [1:45:15] Why physical books still beat every digital reading experience. [1:45:54] Parting thoughts. Tim Ferriss is one of Fast Company’s “Most Innovative Business People” and an early-stage tech investor/advisor in Uber, Facebook, Twitter, Shopify, Duolingo, Alibaba, and 50+ other companies. He is also the author of five #1 New York Times and Wall Street Journal bestsellers: The 4-Hour Workweek, The 4-Hour Body, The 4-Hour Chef, Tools of Titans and Tribe of Mentors. The Observer and other media have named him “the Oprah of audio” due to the influence of his podcast, The Tim Ferriss Show, which has exceeded one billion downloads and been selected for “Best of Apple Podcasts” three years running. Sign up for "5-Bullet Friday" (Tim's free weekly email newsletter): https://go.tim.blog/5-bullet-friday-yt/ Follow the Tim Ferriss Podcast: https://tim.blog/podcast/ Visit the Tim Ferriss Blog: https://tim.blog/ Follow Tim Ferriss on Twitter: https://twitter.com/tferriss/ Follow Tim Ferriss on Instagram: https://www.instagram.com/timferriss/ Like Tim Ferriss on Facebook: https://www.facebook.com/TimFerriss/