Like anyone who succeeds, he never took it for granted that he knew it all. He constantly evaluated whether what he was doing was working or not. If it wasn’t, he immediately moved to step four.

In fact, research at Harvard Medical School shows a 45-minute treatment of NuCalm may give you the benefits equivalent to 2–5 hours of deep, restorative sleep by balancing your autonomic nervous system and restoring you to optimal health.

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He committed to setting aside 50% of what he earned, and then he took his savings and put it to work in a big way.

401(k) industry “the largest dark pool of assets where nobody really knows how or whose hands are getting greased.

Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give. — WILLIAM A. WARD

The most important lesson we learn in life is what creates pain for us and what creates pleasure.

Exponential Growth in Computation How about computation? In 1971, Intel put out its first computer chip, the Intel 4004. It had 2,300 transistors on it, at $1 each. Intel no longer actually tells you how many transistors are on their chips, but the recent Core i9 had 7 billion transistors at less than a millionth of a penny each. This represents a 27-billion-fold increase in price performance in forty-five years.

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changing our belief systems is central to making any real and lasting change in our lives. We must develop a sense of certainty that we can and will meet the new standards before we actually do.

"So tell me, Ray, what are the percentages you would put in stocks? What percentage in gold? and so on."...
"First, he said, we need 30% in stocks (for instance, the S&P 500 or other indexes for further diversification in this basket)...
"Then you need long-term government bonds. Fifteen percent in intermediate term [seven- to ten-year Treasuries] and forty percent in long-term bonds [20- to 25-year Treasuries]."...
He rounded out the portfolio with 7.5% in gold and 7.5% in commodities...
Lastly, the portfolio must be rebalanced. Meaning, when one segment does well, you must sell a portion and reallocate back to the original allocation. This should be done at least annually, and, if done properly, can actually increase tax efficiency. p390"