Substituting the discount rate for the ever increasing chance of death and a dollar for joy, joy today is worth more than joy tomorrow.

Success is relative. We shouldn't compare the financial success between a person born into riches and the one born into abject poverty.

I'd encourage [you] to think big and be delusional when setting goals. Yes, delusional. The biggest mistake that I made with my first business was I didn't think big enough. I limited my success by just focusing on a small geographic area and focusing on hitting small sales targets. Now when I set my goals, I make sure that they are ridiculous. I prefer to work extremely hard and fall short on my ridiculous goals than to achieve mediocre goals.

(_) my money guy Richard is going without a tie now, like a politician who wants to appeal to the suffering common man (or perhaps every morning his firm takes the ties and shoelaces away from the brokers and financial planners to keep them from offing themselves)

Cheap people often are not very happy because they love money more than they love their families

There are brains so smart in finance and unconsciously reject wealth.