Writer, Nicoles Cole, admitted in an article that as a 19 year old he had money stolen from him. The admission could hav

In between these down times people can get rich. But it’s not whether you get rich during the good times. It’s whether you stay rich during the down times. Mostly, that comes down to risk management, which is your ability and the discipline to diversify where you put your money.

There are good times and down times. 2001 was a down time when the dot com bubble burst. 2008 was a down time when banks nearly collapsed and we faced a rough, prolonged recession.

Money issued by governments decreases over time. The house you hear about that went up three times in price didn’t go up at all. The value of the house measured in traditional currency just went up because of inflation and money created out of thin air by governments.

It was one of those lessons that almost brought a tear to my eye when he explained it to me. I found it hard to keep it together and protect my manly, tough guy act. What was about to happen to our country because of the pandemic was overwhelming. This tiny moment made me understand my role in the financial system.

The point of money isn’t to get into lots of debt. The point of money is to buy back your time so you don’t become a slave to debt and do work you hate to make your debt repayments.

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ts are designed to progress on the goal of making software development and delivery at Pinterest a fast and painless experience. Recently, we were reminded of how small details can also have a large impact on that goal. We discovered an overlooked Git option that significantly reduced the build times in our continuous integration pipelines. In order to understand how this small change had such a large impact, we need to share a little information on our monorepos and our pipelines.

Money was about what I could do with it to help other people. That’s why I became a teacher. Setting up a group chat full of students who wanted to learn from me was one of the most rewarding things I’ve ever done.

“Hey so you haven’t returned any of my calls and that doesn’t make me feel very good about giving you all my money, so if you could please give me a call back today that would be great. Thanks.”

It hadn’t happened to me and I don’t know why I said it. I guess my consciousness predicted what was about to happen. Shortly after, that comment became true. I lost everything.

I stupidly said “but their water is the most expensive.” He said “that’s the whole point. Every tiny decision we make has a ripple effect and this business needs us right now.” Suddenly, I got the message.

A guy I work with is one of those people. At the start of the pandemic we went to buy some bottles of water for an event we were hosting. We were days away from going into lockdown. Everybody knew it.

He had the foresight to understand small businesses were going to do it tough. When it came to choosing the shop we’d buy the bottled water from, instead of choosing a multinational supermarket, he chose the tiny cafe with two employees who were about to face the biggest financial battle of their life.

Last week I went out for a 40-minute jog. I had decided to go to the park near my parents’ house, a nice green 1.3 km loop. It was late afternoon and I saw the sunset giving way to total darkness. The first 20 minutes were a bit difficult as always — I’ll come back to that later.

I read an article today of a man who has just gone all in on Amazon stocks. He didn’t bother to do the research. He didn’t notice the founder, Jeff Bezos, cashed out a lot of his shares recently. He didn’t look at the PE ratio to see if Amazon shares were overvalued. He just bet his life savings on a company he knows nothing about.

The people I’ve seen personally go bankrupt all tried to get rich quick. They kept jumping from one idea to another, searching for a pot of gold. Their goal was money, not doing the work.