Show up every day. Fall in love with the process. You don't get results by focusing on results. You get results by focusing on the habits and behaviors that produce results. You don't need to be great to be consistent, but you need to be consistent to be great.

When you have $50,000 in investments but drive a $5,000 Toyota, most people think you are dead broke. But if you have $5,000 in a bank but finance a $50,000 car with a 7% APR over 7 years, people think you are wealthy.

I can't help but laugh. I'm reading through the 2004 copy of @AuthorDavidBach's The Automatic Millionaire and chuckling at a coffee and muffin from Starbucks costing $5. Even funnier, there is a guy that finds it incredulous that a muffin costs $1.50. You'd be hard pressed to

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I often think about this

(\_/) ( •_•) / > i need a coffee

"Inflation dropped to 2.7%. Prices going down!" That's not how it works. Lower inflation doesn't mean lower prices. It just means the rate at which prices are increasing may be lower at the aggregate level

So many “help! I started investing but I’m losing money!” type posts. First, the market isn’t a casino. Yes I know most people treat it that way, but it’s not. It’s actually the most efficient vehicle for transferring wealth from the impatient to the patient. So, grow some

Not sure who needs to hear this but if you want to be ready to go shirtless in summer ‘26, you’d better get started. The work for next summer begins now.

To get the best results, you need to be boringly consistent over a long timeline.

This is your weekly reminder that you burn more calories sleeping 8 hours (600) than running 4 miles (400). Stop trying to outrun your fork. Fix your diet.

One of the funniest death scenes in cinema.😂

Every penny counts. Even if it's just $5 per paycheck, or putting a bank interest payout into savings, or putting that $100 government check away, it all adds up over time and is ALL valuable. Just because you can't save a lot doesn't mean you shouldn't.

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Go Army, beat Navy

MUNGER: People don't seem to care what floor they're at, just whether the elevator is going up or down. BUFFETT: That's true. People feel better when they're on the 2nd floor that just came [up] from 1 than they do when they're on the 99th floor coming down from 100.

There is no applause for waking up early No one cares that you are at the gym while they sleep But when they see the physical change, your improvement then they will want to know your secret There is no secret You just started working harder than all of them

If You Can, How Millennials Can Get Rich Slowly, by William J. Bernstein, is a worthwhile read. It's 16 short pages.

This is the smartest advice you'll ever hear:

"You don't have to be brilliant, only a little bit wiser than the other guys, on average, for a long, long time." - Charlie Munger

"Every five to seven years, people forget that recessions occur every five to seven years." — Morgan Housel