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Addictive behaviors are more common among the poor, and living by immediate rather than deferred gratification is more common among the poor.

lottery has regularly been called a regressive tax on the poor. Here’s what that means: it’s a way of luring the poor, who pay almost no taxes for social services, to pay a kind of tax in a way that worsens their situation rather than making it better, which is what taxes are supposed to do. They’re supposed to make life better for us, so this is a regressive tax in the sense that it may make life worse for the poor rather than better

Stop Gambling.

My Grandmother used to say, "There's a great place to go when you're broke: to work!"

“Those players who need to be motivated can stay home, I don’t motivate anyone.

If I call players up and then I have to motivate them too it means I chose the wrong player.

You’re wearing the Italian National Team jersey, the most beautiful shirt of them all, you need to motivate yourself.”

🗣 Luciano Spalletti 🇮🇹👏

As someone who has navigated the ups and downs in personal and professional life, I firmly believe in the power of celebrating our wins.
We can often get distracted by what's next, but reflecting on and celebrating our accomplishments is vital. It's not just about giving ourselves credit; it's about recognizing the effort, dedication, and resilience that went into achieving those milestones. Celebrating our wins reinforces our sense of purpose and progress, fueling our motivation for future endeavors.
So, as you close the chapter on 2023, take some time to write down some of your wins for the year. They could be big goals you achieved, like launching a business, starting a podcast, or paying down debt. Or they could be simple things, like new habits or routines you've committed to in the year you've kept consistent. Celebrate the wins, big and small, and let them inspire you as you step into the New Year.
Here's to a 2024 filled with even more achievements, growth, and reasons to celebrate. Keep striving, keep growing, and most importantly, keep celebrating every win along the way.

My Tribute to an Investing Legend

Another thing, of course, is life will have terrible blows, horrible blows, unfair blows. Doesn’t matter. And some people recover and others don’t. And there I think the attitude of Epictetus is the best. He thought that every mischance in life was an opportunity to behave well. Every mischance in life was an opportunity to learn something and your duty was not to be submerged in self-pity, but to utilize the terrible blow in a constructive fashion. That is a very good idea." —2007 USC Law School Commencement Address

Think on this about being Frugal!

The simple life, as Westacott frames it, is something that can be opted into, and doing so is often a principled decision. But in many ways, it’s easier to choose to live simply when one has more money. For one thing, there are the logistical efficiencies that money enables: Wealthier people can afford to, say, buy toilet paper in bulk, which has been shown to save them money as well as several trips to the store. And not having money may make it harder, psychologically, to be frugal: According to research by the Harvard economist Sendhil Mullainathan, poorer people aren’t inherently short-sighted—the very fact of not having enough money or time “clogs up the brain,” making it harder to deploy their limited resources in the most efficient way.