1. When in doubt, keep moving.

Stagnation causes the most failures.
2. Your job won't take care of you when you are sick,

Your family and friends will.
3. Life is too short to do things you hate
4. You don't need to win every argument.

Just be honest to yourself.
5. Make peace with past,

So it won't screw up the present
6. Don't compare your life to others,

You have no idea what their journey is all about
7. Don't waste money on stuff you don't need
8. What really matters is,

Beautiful memories you made in life
9. Hardships that doesn't kill you

Makes you stronger
10. No one is in charge of your happiness

But you
Thanks for reading.

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I’m torn on how to approach the idea of luck. I’m the first to admit that I am one of the luckiest people on the planet. To be born into a prosperous American family in 1960 with smart parents is to start life on third base. The odds against my very existence are astronomical.


I’ve always felt that the luckiest people I know had a talent for recognizing circumstances, not of their own making, that were conducive to a favorable outcome and their ability to quickly take advantage of them.

In other words, dumb luck was just that, it required no awareness on the person’s part, whereas “smart” luck involved awareness followed by action before the circumstances changed.

So, was I “lucky” to be born when I was—nothing I had any control over—and that I came of age just as huge databases and computers were advancing to the point where I could use those tools to write “What Works on Wall Street?” Absolutely.

Was I lucky to start my stock market investments near the peak of interest rates which allowed me to spend the majority of my adult life in a falling rate environment? Yup.