I'm 43.
At 32, I was down to $2000 in my bank account after founding my first company (and failing to profit).
Then, I discovered Warren Buffet's letters on investment & life, and became a millionaire at 33.
Here are his 9 most powerful lessons (that will change your life):
The greatest motivational speaker of all time:
Jim Rohn.
He gave 6,000 speeches in 39 countries, became a millionaire by 31, and mentored a young Tony Robbins to greatness.
10 life-changing quotes that you'll never forget:
"Don’t wish it was easier, wish you were better.
Don’t wish for less problems, wish for more skills.
Don’t wish for less challenge, wish for more wisdom."
Growth happens outside your comfort zone.
1. Surround Yourself with People You Admire
Buffett: “You become like those you associate with most.”
Surround yourself with people who inspire, challenge, and bring out the best in you.
I’ve had mentors change the trajectory of my life.
Choose your tribe wisely.
"Start from wherever you are and with whatever you’ve got."
The best time to plant a tree was 20 years ago, the second-best time is now.
No more waiting for the perfect moment. Just start.
2. Be Greedy When Others Are Fearful
Fortunes are made in bear markets. When panic sells, opportunity buys.
Zig when others zag.
True investors love fearful times because they see value where others see risk.
Master your emotions, and you'll master the market.
“You don’t get paid for the hour. You get paid for the value you bring to the hour.”
To do this, you have to get good at something.
Find that something and be better than anybody else at it.
5. Marry the Right Person
Buffett calls it the most important decision in life.
I couldn't agree more.
Your partner will be there through the ups & downs. Find someone who:
• Challenges you
• Supports your dreams
• Brings joy to your days
The right partner is priceless.
9. Learn to Say ‘No’
Time is your most precious asset so guard it fiercely.
Successful people say no to nearly everything. They know every yes costs them focus.
Say no to:
• distractions
• time-wasters
• other people's priorities
Today’s no means tomorrow’s yes.
This is Kobe Bryant.
The legend who scored 81 points in a single game - the second-highest in NBA history.
He practiced 1,000 shots every day, even on Christmas - a routine that lasted 20 years.
9 clips from the most disciplined person on earth:
4. Think Long-Term
If you aren't willing to own a stock for 10 years, don't even think about owning it for 10 minutes.
Ignore short-term noise.
With a long horizon, you can ride out volatility others can't stomach.
Time in the market beats timing the market.
“If you really want to do something, you’ll find a way. If you don’t, you’ll find an excuse.”
Winners find solutions. Losers find excuses. Which are you?
6. Invest In Yourself
The best investment is in yourself.
I gambled & lost $1M+ after my exit. Hiring a coach transformed my mindset and got me back on track.
You are your greatest asset. Invest in your:
• Skills
• Network
• Physical & mental health
This ROI is forever.
3. Invest In What You Know
Buffett only invests in companies & industries he understands.
Stick to your circle of competence. You can't assess risk in fields you don't know deeply.
Build expertise patiently & say no to what you don't know.
Depth beats breadth in investing.
“We must all suffer one of two things: the pain of discipline or the pain of regret of disappointment.”
Choose your pain. Discipline hurts less in the long run.
7. Money Isn't Everything
Love and relationships are more valuable than any $ amount.
I'm passionate about cars. But the joy comes from bonding with my dad over them, not the objects themselves.
Chase meaning and purpose.
True wealth is good health & great relationships.
8. Use the Power of Compound Interest
Buffett advises:
• Taking advantage of compound interest
• Avoiding impulsive market decisions
Start investing early. Stay consistent. Let compounding work its magic.
Chasing shiny objects destroys wealth.
Slow & steady wins the race.
Since being a fighter pilot in the Navy (with 75+ combat missions), I’ve personally made over 300+ investments.
Warren Buffett’s advice has helped me make several successful million-dollar investments.
Here’s my favorite Buffett wisdom:
The most influential philosopher of the 20th century:
Alan Watts.
His speeches reached millions, authored 25 books, and inspired the peace movements of the 1960s.
8 life-changing quotes that will give you goosebumps:
Enjoy this thread?
Dive deeper into the money mindset shifts that transformed my life.
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I'm 43.
At 32, I was down to $2000 in my bank account after founding my first company (and failing to profit).
Then, I discovered Warren Buffet's letters on investment & life, and became a millionaire at 33.
Here are his 9 most powerful lessons (that will change your life):
Where people try to save money:
• Starbucks coffee: $5
• Off-brand groceries: $37
• Driving a crappy Prius: $500
You think it's saving you money. It's actually making you poor.
Here's what you really need to focus on:
The greatest motivational speaker of all time:
Jim Rohn.
He gave 6,000 speeches in 39 countries, became a millionaire by 31, and mentored a young Tony Robbins to greatness.
10 life-changing quotes that you'll never forget:
Hard skills kept me alive in the military.
Soft skills allowed me to build an 8-figure company.
The 8 most important soft skills to fast-track your career:
Everyone thinks being rich is about:
• Owning Rolexes
• Driving Lamborghinis
• Being a multi-millionaire
They’re wrong. True wealth has nothing to do with money.
What it actually means to be rich:
1 in 8 adults is a millionaire in Singapore.
That's 4x higher than the US.
I had to find out how they do it.
Here's how a country smaller than Hawaii became one of the financial capitals of the world:
I heard Tony Robbins say this a few years ago and it's still on my mind...
"Life is about moments; don't wait for them, create them."
10 things I'm doing at 43 to avoid regret when I'm 63:
Age at first $1 Billion:
• Mark Zuckerberg: 23
• Warren Buffett: 56
• Steve Jobs: 35
• Oprah Winfrey: 49
• Sir Richard Branson: 41
• Elon Musk: 41
• Mark Cuban: 40
• Jeff Bezos: 35
• Larry Page: 30
• Bill Gates: 31
1 thought-provoking quote from each:
Retirement kills more people than hard work ever did.
The real goal isn’t to “retire early.”
It’s to build a life you never want to retire from.
8 easy principles to make your dream life a reality:
A bit about me:
I used to be a fighter pilot in the Navy from 2003 to 2011.
Since then, I've:
• Made 300+ direct investments
• Built & sold an 8-fig investment firm
• Coached 100s of entrepreneurs on achieving true freedom
Interested in learning more?
Look at this family.
They're worth 109,000x more than the average American household.
I've spent a decade studying how billionaires think about wealth, including the Kochs (worth $116 billion).
Here are 10 principles from the ultra-wealthy (that anyone can follow):
I used to be so stressed I couldn't sleep.
My company was losing $100k per month and it was taking a toll on my health and relationships.
Then, I finally understood the real purpose of wealth:
He Would Not Be Outworked
Jay Williams once tried to outwork Kobe. He arrived early to train. Kobe was already there, drenched in sweat.
Kobe said, "I wanted you to know, no matter how hard you work, I'll work harder."
True champions push beyond their competitors' limits.
@BestLosersWin
I built an investment firm, buying and selling properties. I started with about $40k in the bank, lived on savings until we made our first deal. Then within the first 12 months, we made $1M in profit.
The biggest myth in human history...
"Work hard and you'll be successful."
At 32, I was down to $2000 in my bank account after founding my first company (and I'd never worked harder).
Then I woke up to the myth of hard work, and suddenly everything clicked:
This is Chris Voss.
He spent 24 years in the FBI negotiating with robbers, kidnappers & terrorists.
Then, he wrote a bestselling book about everything he learned.
Here are 5 strategies you need to know about negotiation:
The Relentless Pursuit of Greatness
Kobe pushed limits in every workout. In high school, he'd practice 5-7 AM, calling it "blacked out" when exhausted. This led to 4x more training than others.
True greatness requires pushing beyond what feels comfortable.
I found this guy on YouTube asking millionaires:
• The most amount of money they made in a single year
• What industry they pursued a career in
• One piece of advice for their younger self
Their answers are fascinating.
Here are my top 9:
Charlie Munger once said:
“Being rational is a moral imperative. You should never be stupider than you need to be.”
How to think like one of the wisest investors of the 20th century:
The Dream in the Journey
Kobe found fulfillment in the daily grind. "The times you get up early, stay up late, when you're too tired but push anyway. That is actually the dream."
Embrace the process, for that's where true greatness lies.
I’ve read 354 business books and counting.
90% of them can be understood by reading the first chapter.
The only 10 lessons you need to win in business:
I've been a professional investor for over a decade.
Over the years, I've:
• Interviewed billionaires
• Studied the most prolific investors
• Generated $100M+ returns for myself & investment partners
10 Rules of the Wealthy that will transform how you think about money:
Falling in Love with the Fundamentals
Alan Stein asked about basic drills, Kobe said: "Why do you think I'm the best?" His passion for fundamentals was his secret weapon.
Love the basics to become unstoppable.
Naval Ravikant is a big believer in mental models.
Not just Naval — Jeff Bezos, Elon Musk, and Charlie Munger too.
Here are my favorite mental models (and how I use them to build wealth):
Dive deeper into the money mindset shifts that transformed my life.
What gets measured gets managed.
Want to see how I measure my personal finances and track my investments?
Download my One Page Wealth Snapshot here (it's free):
4. "Our minds have to be silent some of the time if we are really to have anything to think about except thoughts."
Re-read this one and then listen to how Watts explains this:
2. "Life is not a contest to make the positive triumph over the negative. The two sides go together."
Listen here to understand why this reframe is so important:
The Eternal Student
Kobe entered the NBA curious and unintimidated.
Bryant was fearless about learning — “The world is my library” he would say.
True confidence comes from having strong opinions that are held loosely.
5. "The art of sailing rather than the art of rowing."
Rather than constantly striving, we can learn to harness the power of flow.
The principle of Wu Wei and what you can learn from it:
Being rich and being a millionaire are not the same thing.
You can be rich without a lot of money, and you can be poor with all the money in the world.
Fighter pilots swear by it.
Billionaires can't live without it.
And I used it to save me in life-or-death situations when I was in the Navy.
Yet 99% of people don't know what it is.
The mind-blowing mental model you've never heard of:
@The_MMW
Sorry, but
#1
and
#3
are false. You don’t have to live like you’re poor to become a millionaire. You just have to solve a big problem in the marketplace.
I know, work and play with a lot more than 453 millionaires and most of them drive nice cars.
Your primary business. It's your golden goose.
Instead of chasing 7 income streams, double down on what's already working.
Reinvest profits. Scale operations. Dominate your niche.
Here's the truth...
Shattering the Ceiling of Potential
Kobe didn't believe in limits. He saw every ceiling as a challenge to break through.
"Know your limit? Try to find out," he'd challenge.
For him, potential was always expandable.
Your only true limit is your willingness to work.
Seizing the Moment of Truth
At 19, Kobe faced Jordan — a 35-year old 5-time champ. Where others saw intimidation, Kobe saw opportunity. He scored 20 off the bench.
Challenge everyone, legends included, to grow truly.
Unbreakable Spirit
On April 12, 2013, Kobe tore his Achilles. Most would be carried off. Not Kobe.
He walks to the bench, gets treatment, then returns to sink two crucial free throws, tying the game.
Your greatest strength emerges when you refuse to give up.
Billionaires don't drop ship, trade crypto, or arbitrage Airbnbs.
They use something much more effective.
I've used it to generate $100M+ in returns for me & my investors and partners...
I'll let you in on a secret they understand (that the 99% don't):
3. Lead with Empathy
2 years after selling my company, I hit rock bottom.
• Losing $100K/mo
• Crippling anxiety
• Ashamed to leave my house
A brutal lesson in empathy.
Leaders connect with you on a human level.
Empathy isn't a weakness. It's a strength.
Forget penny-pinching. The real game is wealth creation.
Most people obsess over tiny expenses, missing the forest for the trees.
Want true financial freedom? It's time to shift your focus.
But how?
7. "Enjoyment of any kind is impossible without an accompanying discipline."
Everyone talks about the importance of discipline nowadays, but Watts had a slightly different philosophy:
This perfectly describes one of the biggest hidden mindset blockers for high performers.
@ElliotRoe1
’s understanding of mental performance is simply unparalleled.
Developing these skills takes consistent practice. I still work on them every single day.
Start small. Pick one to focus on each week.
Small steps, taken day after day, lead to real growth.
It's how I went from flying combat missions to building an 8-figure business.
The best investment you can make is in yourself.
Level up your:
• Hard skills
• Health
• Mindset
• Leadership
This will generate returns that beat any index fund.
1. Be Resilient
In the fighter squadron, resilience was the difference between success and failure. Sometimes, between life and death.
Entrepreneurship is no different.
Setbacks are guaranteed.
If you fall seven times, stand up eight — stronger each time.
Generate alpha.
Don't just follow the market – beat it.
Investing time and resources into your unique strengths is key.
But what's the most powerful tool in your arsenal?
The only way to lose the game of entrepreneurship is to get washed out.
This is what happens when you run out of money.
Manage your cash as if your life depends on it.
How to think like the wealthy:
• Build a moat
• Never lose money
• Don’t get distracted
• Have an advisory board
These are secrets of the rich that anyone can implement.
@ramit
I always advise people to never buy until you can't rent the place you want to live.
A starter home is a terrible idea for most. Priorities, tastes and income all change before they ever reach a break even point.
"The biggest risk is not taking any risk... In a world that changing really quickly, the only strategy that is guaranteed to fail is not taking risks."
— Mark Zuckerberg
Biggest mistake early-stage entrepreneurs make:
Thinking that they have to be the ones delivering to customers.
People don’t buy you, they buy your standards.
Big dominos > marginal gains.
Stop sweating the small stuff. Focus on moves that 10x your wealth:
• Skill acquisition
• Scaling your business
• High-impact investments
But there's one more crucial element we need to cover...
The "escape velocity" mindset is game-changing. Here's what it means:
Build enough liquid assets to cover your lifetime spending.
And once you hit that mark, you're playing with house money.
But you're not going to save your way to this.
The 3 levels of Financial Freedom:
1. Safety: 12 months of living expenses in liquidity
2. Stability: 5-7 years of living expenses in assets
3. Freedom: Assets generate income to cover lifestyle expenses without drawing on principle
(3+). Please take off your shoes before
You need to go all-in on creating alpha.
Forget the "diversification" bs everyone's told.
After a decade as a professional investor, I've learned:
Your primary business is your best bet for outsized returns.
Hard skills open doors.
But soft skills? They blast the door off its hinges.
From the cockpit to the boardroom, they've been my secret weapons.
• Guided me through challenges
• Helped me build wealth
Master them, and there's no limit to what you’ll achieve.
Never Stopping Short
It was the 2009 NBA Finals. The Lakers were up 2-0.
When asked why he wasn't happy, Kobe's response was: "Is the job finished? I don't think so".
For Kobe, almost reaching a goal was the same as not reaching it at all.