want you to be successful, and I want you to earn it. But realize that not all success is due to hard work, and not all poverty is due to laziness. K… - Morgan Housel

Optimism sounds like a sales pitch. Pessimism sounds like someone trying to help you.

In finance, spending less than you make, saving the difference, and being patient is perhaps 90 percent of what you need to know to do well.

At every stage of our lives we make decisions that will profoundly influence the lives of the people we’re going to become, and then when we become those people, we’re not always thrilled with the decisions we made. So young people pay good money to get tattoos removed that teenagers paid good money to get. Middle-aged people rushed to divorce people who young adults rushed to marry. Older adults work hard to lose what middle-aged adults worked hard to gain. On and on and on.48