Success is not solely determined by IQ, circumstances, or luck

• The difference between investing or speculating, is not about what you buy, but why you buy—and that varies for people based on their financial goals.
• For example, a low-income earner near retirement won’t want to chase a short-term upswing. In cont...

You define yourself not by the attributes that make you the same as everyone else—has two arms, two legs, breathes air—but, rather, by the attributes that make you different from everyone else—spent

A group defined by its similarity to others is, by definition, no group at all. Your socia...

The effects of small habits compound over time.

They seem to make little difference on any given day and yet the impact they deliver over the months and years can be enormous. A slight change in your daily habits can guide your life to a very different destination.

Ma...