Making money is not a thing you do—it’s a skill you learn.

It’s not really about hard work. You can work in a restaurant eighty hours a week, and you’re not going to get rich. Getting rich is about knowing what to do, who to do it with, and when to do it. It is much more about understanding than purely hard work. Yes, hard work matters, and you can’t skimp on it. But it has to be directed in the right way.

Seek wealth, not money or status. Wealth is having assets that earn while you sleep. Money is how we transfer time and wealth. Status is your place in the social hierarchy.

Understand ethical wealth creation is possible. If you secretly despise wealth, it will elude you.

You’re not going to get rich renting out your time. You must own equity—a piece of a business—to gain your financial freedom.

You will get rich by giving society what it wants but does not yet know how to get. At scale.

Play iterated games. All the returns in life, whether in wealth, relationships, or knowledge, come from compound interest.

Pick business partners with high intelligence, energy, and, above all, integrity.

Learn to sell. Learn to build. If you can do both, you will be unstoppable.

Specific knowledge is found by pursuing your genuine curiosity and passion rather than whatever is hot right now.

Building specific knowledge will feel like play to you but will look like work to others.

When specific knowledge is taught, it’s through apprenticeships, not schools.

Embrace accountability, and take business risks under your own name. Society will reward you with responsibility, equity, and leverage.

Fortunes require leverage. Business leverage comes from capital, people, and products with no marginal cost of replication (code and media).

Labor means people working for you. It’s the oldest and most fought-over form of leverage. Labor leverage will impress your parents, but don’t waste your life chasing it.

Capital and labor are permissioned leverage. Everyone is chasing capital, but someone has to give it to you. Everyone is trying to lead, but someone has to follow you. ↓ Code and media are permissionless leverage. They’re the leverage behind the newly rich. You can create software and media that works for you while you sleep. ↓ An army of robots is freely available—it’s just packed in data centers for heat and space efficiency. Use it.

There is no skill called “business.” Avoid business magazines and business classes.

Study microeconomics, game theory, psychology, persuasion, ethics, mathematics, and computers.

Reading is faster than listening. Doing is faster than watching.

You should be too busy to “do coffee” while still keeping an uncluttered calendar.

Set and enforce an aspirational personal hourly rate. If fixing a problem will save less than your hourly rate, ignore it. If outsourcing a task will cost less than your hourly rate, outsource it.

Work as hard as you can. Even though who you work with and what you work on are more important than how hard you work.

Become the best in the world at what you do. Keep redefining what you do until this is true.

There are no get-rich-quick schemes. Those are just someone else getting rich off you.

Money is how we transfer wealth. Money is social credits. It is the ability to have credits and debits of other people’s time. If I do my job right, if I create value for society, society says, “Oh, thank you. We owe you something in the future for the work you did in the past. Here’s a little IOU. Let’s call that money.” [78] Wealth is the thing you want. Wealth is assets that earn while you sleep. Wealth is the factory, the robots, cranking out things. Wealth is the computer program that’s running at night, serving other customers. Wealth is even money in the bank that is being reinvested into other assets, and into other businesses.

No one can compete with you on being you. Most of life is a search for who and what needs you the most.

Society, business, & money are downstream of technology, which is itself downstream of science. Science applied is the engine of humanity.

“Escape competition through authenticity.” Basically, when you’re competing with people, it’s because you’re copying them. It’s because you’re trying to do the same thing. But every human is different. Don’t copy. [78]

If you are fundamentally building and marketing something that is an extension of who you are, no one can compete with you on that. Who’s going to compete with Joe Rogan or Scott Adams? It’s impossible. Is somebody else going to come along and write a better Dilbert? No. Is someone going to compete with Bill Watterson and create a better Calvin and Hobbes? No. They’re being authentic. [78]

The most important skill for getting rich is becoming a perpetual learner.

It’s much more important today to be able to become an expert in a brand-new field in nine to twelve months than to have studied the “right” thing a long time ago. You really care about having studied the foundations, so you’re not scared of any book. If you go to the library and there’s a book you cannot understand, you have to dig down and say, “What is the foundation required for me to learn this?” Foundations are super important. [74]

Basic arithmetic and numeracy are way more important in life than doing calculus. Similarly, being able to convey yourself simply using ordinary English words is far more important than being able to write poetry, having an extensive vocabulary, or speaking seven different foreign languages. Knowing how to be persuasive when speaking is far more important than being an expert digital marketer or click optimizer. Foundations are key.

You do need to be deep in something because otherwise you’ll be a mile wide and an inch deep and you won’t get what you want out of life. You can only achieve mastery in one or two things. It’s usually things you’re obsessed about. [74]

I love working with Elad because I know when the deal is being done, he will bend over backward to give me extra. He will always round off in my favor if there’s an extra dollar being delivered here or there. If there’s some cost to pay, he will pay it out of his own pocket, and he won’t even mention it to me. Because he goes so far out of his way to treat me so well, I send him every deal I have—I try to include him in everything. Then, I go out of my way to try and pay for him. Compounding in those relationships is very valuable. [10]

Intentions don’t matter. Actions do. That’s why being ethical is hard.

Embrace accountability and take business risks under your own name. Society will reward you with responsibility, equity, and leverage.

If you don’t own a piece of a business, you don’t have a path towards financial freedom.

Without ownership, your inputs are very closely tied to your outputs. In almost any salaried job, even one paying a lot per hour like a lawyer or a doctor, you’re still putting in the hours, and every hour you get paid. Without ownership, when you’re sleeping, you’re not earning. When you’re retired, you’re not earning. When you’re on vacation, you’re not earning. And you can’t earn nonlinearly.

If you don’t own equity in a business, your odds of making money are very slim.

I only really want to do things for their own sake. That is one definition of art. Whether it’s business, exercise, romance, friendship, whatever, I think the meaning of life is to do things for their own sake. Ironically, when you do things for their own sake, you create your best work. Even if you’re just trying to make money, you will actually be the most successful.

Forget rich versus poor, white-collar versus blue. It’s now leveraged versus un-leveraged.

This newest form of leverage is where all the new fortunes are made, all the new billionaires. For the last generation, fortunes were made by capital. The people who made fortunes were the Warren Buffetts of the world. But the new generation’s fortunes are all made through code or media. Joe Rogan making $50 million to $100 million a year from his podcast. You’re going to have PewDiePie. I don’t know how much money he’s rolling in, but he’s bigger than the news. And of course, there’s Jeff Bezos, Mark Zuckerberg, Larry Page, Sergey Brin, Bill Gates, and Steve Jobs. Their wealth is all code-based leverage. [78]

Whenever you can in life, optimize for independence rather than pay. If you have independence and you’re accountable on your output, as opposed to your input—that’s the dream. [10]

For example, a good software engineer, just by writing the right little piece of code and creating the right little application, can literally create half a billion dollars’ worth of value for a company. But ten engineers working ten times as hard, just because they choose the wrong model, the wrong product, wrote it the wrong way, or put in the wrong viral loop, have basically wasted their time. Inputs don’t match outputs, especially for leveraged workers.

What you want in life is to be in control of your time. You want to get into a leveraged job where you control your own time and you’re tracked on the outputs. If you do something incredible to move the needle on the business, they have to pay you. Especially if they don’t know how you did it because it’s innate to your obsession or your skill or your innate abilities, they’re going to have to keep paying you to do it. If you have specific knowledge, you have accountability and you have leverage; they have to pay you what you’re worth. If they pay you what you’re worth, then you can get your time back—you can be hyper-efficient. You’re not doing meetings for meetings’ sake, you’re not trying to impress other people, you’re not writing things down to make it look like you did work. All you care about is the actual work itself.

Forty hour work weeks are a relic of the Industrial Age. Knowledge workers function like athletes—train and sprint, then rest and reassess.

Learn to sell, learn to build. If you can do both, you will be unstoppable.

Earn with your mind, not your time.

The one thing you have to avoid is the risk of ruin. Avoiding ruin means stay out of jail. So, don’t do anything illegal. It’s never worth it to wear an orange jumpsuit. Stay out of total catastrophic loss. Avoiding ruin could also mean you stay out of things that could be physically dangerous or hurt your body. You have to watch your health.

Stay out of things that could cause you to lose all of your capital, all of your savings. Don’t gamble everything on one go. Instead, take rationally optimistic bets with big upsides. [78]

Value your time at an hourly rate, and ruthlessly spend to save time at that rate. You will never be worth more than you think you’re worth.

I still argue that with my mother when she hands me little to-do’s. I just don’t do that. I would rather hire you an assistant. This was true even when I didn’t have money. [78]

If you get into a relative mindset, you’re always going to hate people who do better than you, you’re always going to be jealous or envious of them. They’ll sense those feelings when you try and do business with them. When you try and do business with somebody, if you have any bad thoughts or any judgments about them, they will feel it. Humans are wired to feel what the other person deep down inside feels. You have to get out of a relative mindset. [10]

The problem is, to win at a status game, you have to put somebody else down. That’s why you should avoid status games in your life—they make you into an angry, combative person. You’re always fighting to put other people down, to put yourself and the people you like up. Status games are always going to exist. There’s no way around it, but realize most of the time, when you’re trying to create wealth and you’re getting attacked by someone else, they’re trying to increase their own status at your expense. They’re playing a different game. And it’s a worse game. It’s a zero-sum game instead of a positive-sum game. [78]

Play stupid games, win stupid prizes.

An old boss once warned: “You’ll never be rich since you’re obviously smart, and someone will always offer you a job that’s just good enough.”

Retirement is when you stop sacrificing today for an imaginary tomorrow. When today is complete, in and of itself, you’re retired.

Did your motivation to earn money drop after you become financially independent? Yes and no. It did in the sense the desperation was gone. But if anything, creating businesses and making money are now more of an “art.” [74]

Whether in commerce, science, or politics—history remembers the artists.

I’m always “working.” It looks like work to others, but it feels like play to me. And that’s how I know no one can compete with me on it. Because I’m just playing, for sixteen hours a day. If others want to compete with me, they’re going to work, and they’re going to lose because they’re not going to do it for sixteen hours a day, seven days a week. [77]

Lusting for money is bad for us because it is a bottomless pit. It will always occupy your mind. If you love money, and you make it, there’s never enough. There is never enough because the desire is turned on and doesn’t turn off at some number. It’s a fallacy to think it turns off at some number. The punishment for the love of money is delivered at the same time as the money. As you make money, you just want even more, and you become paranoid and fearful of losing what you do have. There’s no free lunch.

You make money to solve your money and material problems. I think the best way to stay away from this constant love of money is to not upgrade your lifestyle as you make money. It’s very easy to keep upgrading your lifestyle as you make money. But if you can hold your lifestyle fixed and hopefully make your money in giant lump sums as opposed to a trickle at a time, you won’t have time to upgrade your lifestyle. You may get so far ahead you actually become financially free.

Another thing that helps: I value freedom above everything else. All kinds of freedom: freedom to do what I want, freedom from things I don’t want to do, freedom from my own emotions or things that may disturb my peace. For me, freedom is my number one value. To the extent money buys freedom, it’s great. But to the extent it makes me less free, which it definitely does at some level as well, I don’t like it. [74]

The winners of any game are the people who are so addicted they continue playing even as the marginal utility from winning declines.

How important is networking? I think business networking is a complete waste of time. And I know there are people and companies popularizing this concept because it serves them and their business model well, but the reality is if you’re building something interesting, you will always have more people who will want to know you. Trying to build business relationships well in advance of doing business is a complete waste of time. I have a much more comfortable philosophy: “Be a maker who makes something interesting people want. Show your craft, practice your craft, and the right people will eventually find you.” [14]

“The closer you want to get to me, the better your values have to be.” [4]

One thing I figured out later in life is generally (at least in the tech business in Silicon Valley), great people have great outcomes. You just have to be patient. Every person I met at the beginning of my career twenty years ago, where I looked at them and said, “Wow, that guy or gal is super capable—so smart and dedicated”…all of them, almost without exception, became extremely successful. You just had to give them a long enough timescale. It never happens in the timescale you want, or they want, but it does happen. [4]

If you want to make the maximum amount of money possible, if you want to get rich over your life in a deterministically predictable way, stay on the bleeding edge of trends and study technology, design, and art—become really good at something. [1]

You don’t get rich by spending your time to save money. You get rich by saving your time to make money.

If you can’t explain it to a child, then you don’t know it.

What we wish to be true clouds our perception of what is true. Suffering is the moment when we can no longer deny reality.

A contrarian isn’t one who always objects—that’s a conformist of a different sort. A contrarian reasons independently from the ground up and resists pressure to conform. Cynicism is easy. Mimicry is easy. Optimistic contrarians are the rarest breed.

Any belief you took in a package (ex. Democrat, Catholic, American) is suspect and should be re-evaluated from base principles.

Almost all biases are time-saving heuristics. For important decisions, discard memory and identity, and focus on the problem.

“You should never, ever fool anybody, and you are the easiest person to fool.” The moment you tell somebody something dishonest, you’ve lied to yourself. Then you’ll start believing your own lie, which will disconnect you from reality and take you down the wrong road.

The more you know, the less you diversify.

Ignore the noise. The market will decide.

Julius Caesar famously said, “If you want it done, then go. And if not, then send.” What he meant was, if you want it done right, then you have to go yourself and do it. When you are the principal, then you are the owner—you care, and you will do a great job. When you are the agent and you are doing it on somebody else’s behalf, you can do a bad job. You just don’t care. You optimize for yourself rather than for the principal’s assets. The smaller the company, the more everyone feels like a principal. The less you feel like an agent, the better the job you’re going to do. The more closely you can tie someone’s compensation to the exact value they’re creating, the more you turn them into a principal, and the less you turn them into an agent. [12]

If you cannot decide, the answer is no.

When you choose something, you get locked in for a long time. Starting a business may take ten years. You start a relationship that will be five years or maybe more. You move to a city for ten to twenty years. These are very, very long-lived decisions. It’s very, very important we only say yes when we are pretty certain. You’re never going to be absolutely certain, but you’re going to be very certain.

Read what you love until you love to read.

Reading a book isn’t a race—the better the book, the more slowly it should be absorbed.

If you’re a perpetual learning machine, you will never be out of options for how to make money.

A calm mind, a fit body, and a house full of love. These things cannot be bought. They must be earned.

The three big ones in life are wealth, health, and happiness. We pursue them in that order, but their importance is reverse.

Happiness is there when you remove the sense of something missing in your life.

There are no external forces affecting your emotions—as much as it may feel that way.

I’ve also come to believe in the complete and utter insignificance of the self, and I think that helps a lot. For example, if you thought you were the most important thing in the Universe, then you would have to bend the entire Universe to your will. If you’re the most important thing in the Universe, then how could it not conform to your desires. If it doesn’t conform to your desires, something is wrong. However, if you view yourself as a bacteria or an amoeba—or if you view all of your works as writing on water or building castles in the sand, then you have no expectation for how life should “actually” be. Life is just the way it is. When you accept that, you have no cause to be happy or unhappy. Those things almost don’t apply.

A rational person can find peace by cultivating indifference to things outside of their control.

I have lowered my identity. I have lowered the chattering of my mind. I don’t care about things that don’t really matter. I don’t get involved in politics. I don’t hang around unhappy people. I really value my time on this earth. I read philosophy. I meditate. I hang around with happy people. And it works. You can very slowly but steadily and methodically improve your happiness baseline, just like you can improve your fitness. [10]

How I combat anxiety: I don’t try and fight it, I just notice I’m anxious because of all these thoughts. I try to figure out, “Would I rather be having this thought right now, or would I rather have my peace?” Because as long as I have my thoughts, I can’t have my peace.

We bought a new car. Now, I’m waiting for the new car to arrive. Of course, every night, I’m on the forums reading about the car. Why? It’s a silly object. It’s a silly car. It’s not going to change my life much or at all. I know the instant the car arrives I won’t care about it anymore. The thing is, I’m addicted to the desiring. I’m addicted to the idea of this external thing bringing me some kind of happiness and joy, and this is completely delusional.

The fundamental delusion: There is something out there that will make me happy and fulfilled forever.

I like to stay aware of it, because then I can choose my desires very carefully. I try not to have more than one big desire in my life at any given time, and I also recognize it as the axis of my suffering. I realize the area where I’ve chosen to be unhappy. [5]

Desire is a contract you make with yourself to be unhappy until you get what you want.

“All of man’s troubles arise because he cannot sit in a room quietly by himself.”

You can get almost anything you want out of life, as long as it’s one thing and you want it far more than anything else.

Essentially, you have to go through your life replacing your thoughtless bad habits with good ones, making a commitment to be a happier person. At the end of the day, you are a combination of your habits and the people who you spend the most time with.

There’s the “five chimps theory” where you can predict a chimp’s behavior by the five chimps it hangs out with the most. I think that applies to humans as well. Maybe it’s politically incorrect to say you should choose your friends very wisely. But you shouldn’t choose them haphazardly based on who you live next to or who you happen to work with. The people who are the most happy and optimistic choose the right five chimps. [8]

The first rule of handling conflict is: Don’t hang around people who constantly engage in conflict. I’m not interested in anything unsustainable or even hard to sustain, including difficult relationships. [5]

If you can’t see yourself working with someone for life, don’t work with them for a day.

Every time you catch yourself desiring something, say, “Is it so important to me I’ll be unhappy unless this goes my way?” You’re going to find with the vast majority of things it’s just not true. [7]

The more secrets you have, the less happy you’re going to be. [11]

No exceptions—all screen activities linked to less happiness, all non-screen activities linked to more happiness. [11]

A personal metric: how much of the day is spent doing things out of obligation rather than out of interest? [11]

In any situation in life, you always have three choices: you can change it, you can accept it, or you can leave it. If you want to change it, then it is a desire. It will cause you suffering until you successfully change it. So don’t pick too many of those. Pick one big desire in your life at any given time to give yourself purpose and motivation.

Whenever I get caught up in my ego battles, I just think of entire civilizations that have come and gone. For example, take the Sumerians. I’m sure they were important people and did great things, but go ahead and name me a single Sumerian. Tell me anything interesting or important Sumerians did that lasted. Nothing. So maybe ten thousand years from now or a hundred thousand years from now, people will say, “Oh yeah, Americans. I’ve heard of Americans.” [8]

Doctors won’t make you healthy. Nutritionists won’t make you slim. Teachers won’t make you smart. Gurus won’t make you calm. Mentors won’t make you rich. Trainers won’t make you fit. Ultimately, you have to take responsibility.

I never met my greatest mentor. I wanted so much to be like him. But his message was the opposite: Be yourself, with passionate intensity.

To make an original contribution, you have to be irrationally obsessed with something.

There’s a constant struggle to say no when your genes always want to say yes. Yes to sugar. Yes to staying in this relationship. Yes to alcohol. Yes to drugs. Yes, yes, yes. Our bodies don’t know how to say no. [8]

When everyone is sick, we no longer consider it a disease.

Outside of math, physics, and chemistry, there isn’t much “settled science.” We’re still arguing over what the optimal diet is.

Sugar makes you hungry. Sugar signals to your body, “There’s this incredible food resource in the environment we’re not evolved for,” so you rush out to get sugar. The problem is the sugar effect dominates the fat effect. If you eat a fatty meal and you throw some sugar in, the sugar is going to deliver hunger and fat is going to deliver the calories and you’re just going to binge. That’s why all desserts are large combinations of fat and carbs together.

Most fit and healthy people focus much more on what they eat than how much. Quality control is easier than (and leads to) quantity control. [11]

Ironically, fasting (from a low-carb/paleo base) is easier than portion control. Once the body detects food, it overrides the brain. [11]

What I wonder about Wonder Bread is how it can stay soft at room temperature for months. If bacteria won’t eat it, should you? [11]

It has been five thousand years, and we’re still arguing over whether meat is poisonous or plants are poisonous. Ditch the extremists and any food invented in the last few hundred years. [11]

When it comes to medicine and nutrition, subtract before you add. [11]

“I don’t have time” is just another way of saying “It’s not a priority.”

One month of consistent yoga and I feel 10 years younger. To stay flexible is to stay young.

The important thing is to do something every day. It doesn’t matter what it is. The best workout for you is one you’re excited enough to do every day. [4]

I learned a very important lesson from this: most of our suffering comes from avoidance. Most of the suffering from a cold shower is the tip-toeing your way in. Once you’re in, you’re in. It’s not suffering. It’s just cold. Your body saying it’s cold is different than your mind saying it’s cold. Acknowledge your body saying it’s cold. Look at it. Deal with it. Accept it, but don’t mentally suffer over it. Taking a cold shower for two minutes isn’t going to kill you.

Too much sugar leads to a heavy body, and too many distractions lead to a heavy mind. Time spent undistracted and alone, in self-examination, journaling, meditation, resolves the unresolved and takes us from mentally fat to fit.

Modern humans, we don’t live enough in our bodies. We don’t live enough in our awareness. We live too much in this internal monologue in our heads.

The greatest superpower is the ability to change yourself.

To have peace of mind, you have to have peace of body first.

When you really want to change, you just change. But most of us don’t really want to change—we don’t want to go through the pain just yet. At least recognize it, be aware of it, and give yourself a smaller change you can actually carry out. [6]

Impatience with actions, patience with results.

The hardest thing is not doing what you want—it’s knowing what you want.

Be aware there are no “adults.” Everyone makes it up as they go along. You have to find your own path, picking, choosing, and discarding as you see fit. Figure it out yourself, and do it. [71]

Advice to my younger self: “Be exactly who you are.” Holding back means staying in bad relationships and bad jobs for years instead of minutes.

If you hurt other people because they have expectations of you, that’s their problem. If they have an agreement with you, it’s your problem.

Courage isn’t charging into a machine gun nest. Courage is not caring what other people think.

Anyone who has known me for a long time knows my defining characteristic is a combination of being very impatient and willful. I don’t like to wait. I hate wasting time. I’m very famous for being rude at parties, events, dinners, where the moment I figure out it’s a waste of my time, I leave immediately. Value your time. It is all you have. It’s more important than your money. It’s more important than your friends. It is more important than anything. Your time is all you have. Do not waste your time. This doesn’t mean you can’t relax. As long as you’re doing what you want, it’s not a waste of your time. But if you’re not spending your time doing what you want, and you’re not earning, and you’re not learning—what the heck are you doing?

Observe when you’re angry—anger is a loss of control over the situation. Anger is a contract you make with yourself to be in physical and mental and emotional turmoil until reality changes. [1]

Anger is its own punishment. An angry person trying to push your head below water is drowning at the same time.

Freedom from Employment People who live far below their means enjoy a freedom that people busy upgrading their lifestyles can’t fathom. [11] Once you’ve truly controlled your own fate, for better or for worse, you’ll never let anyone else tell you what to do. [11]

A taste of freedom can make you unemployable.

The modern struggle: Lone individuals summoning inhuman willpower, fasting, meditating, and exercising… Up against armies of scientists and statisticians weaponizing abundant food, screens, and medicine into junk food, clickbait news, infinite porn, endless games, and addictive drugs.

The real truths are heresies. They cannot be spoken. Only discovered, whispered, and perhaps read.

I don’t believe in any short-term thinking or dealing. If I’m doing business with somebody and they think in a short-term manner with somebody else, then I don’t want to do business with them anymore. All benefits in life come from compound interest, whether in money, relationships, love, health, activities, or habits. I only want to be around people I know I’m going to be around for the rest of my life. I only want to work on things I know have long-term payout.

I don’t believe in anger anymore. Anger was good when I was young and full of testosterone, but now I like the Buddhist saying, “Anger is a hot coal you hold in your hand while waiting to throw it at somebody.” I don’t want to be angry, and I don’t want to be around angry people. I just cut them out of my life. I’m not judging them. I went through a lot of anger too. They have to work through it on their own. Go be angry at someone else, somewhere else.

“To find a worthy mate, be worthy of a worthy mate.” [4]

The older the question, the older the answers.

Read enough, and you become a connoisseur. Then you naturally gravitate more toward theory, concepts, nonfiction.

If you eat, invest, and think according to what the “news” advocates, you’ll end up nutritionally, financially, and morally bankrupt.

These are notes to myself. Your frame of reference, and therefore your calculations, may vary. These are not definitions—these are algorithms for success. Contributions are welcome. Happiness = Health + Wealth + Good Relationships Health = Exercise + Diet + Sleep Exercise = High Intensity Resistance Training + Sports + Rest Diet = Natural Foods + Intermittent Fasting + Plants Sleep = No alarms + 8–9 hours + Circadian rhythms Wealth = Income + Wealth * (Return on Investment) Income = Accountability + Leverage + Specific Knowledge Accountability = Personal Branding + Personal Platform + Taking Risk? Leverage = Capital + People + Intellectual Property Specific Knowledge = Knowing how to do something society cannot yet easily train other people to do Return on Investment = “Buy-and-Hold” + Valuation + Margin of Safety [72]

Naval’s Rules (2016) Be present above all else. Desire is suffering. (Buddha) Anger is a hot coal you hold in your hand while waiting to throw it at someone else. (Buddha) If you can’t see yourself working with someone for life, don’t work with them for a day. Reading (learning) is the ultimate meta-skill and can be traded for anything else. All the real benefits in life come from compound interest. Earn with your mind, not your time. 99 percent of all effort is wasted. Total honesty at all times. It’s almost always possible to be honest and positive. Praise specifically, criticize generally. (Warren Buffett) Truth is that which has predictive power. Watch every thought. (Ask “Why am I having this thought?”) All greatness comes from suffering. Love is given, not received. Enlightenment is the space between your thoughts. (Eckhart Tolle) Mathematics is the language of nature. Every moment has to be complete in and of itself. [5]

Health, love, and your mission, in that order. Nothing else matters.

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