Books

🪞 A Reflection on Compound Interest Compound interest is often called the “eighth wonder of the world.” At first, it seems like a throwaway phrase, something to stick in a finance textbook. But when I think about it deeply, I realize that compounding is less about money and more about time. The principle is simple: today’s growth becomes tomorrow’s foundation. A dollar earns a penny, and next year both the dollar and the penny are at work. Repeat that cycle for long enough, and the results stop being linear; they start becoming extraordinary. What once felt slow and dull accelerates into something almost unstoppable. ...

I used to believe investing was something you did while you worked. You built a nest egg, retired, and lived off it. Simple. But when retirement arrived, I quickly learned the story doesn’t end there. Retirement isn’t the finish line. It’s the start of a new chapter. And in this chapter, investing takes on a different purpose. For me, Social Security is the backbone of retirement. It’s steady, predictable, and deeply reassuring. I also receive book royalties, though they’re so modest they don’t change the math. Still, those checks remind me that something I created lives on, even if only in small ways. ...

🪞 Reflection What We Feed Grows We all have a diet. Not just of food, but of thoughts, habits, and attention. Every day, we choose what to give our time and energy to. And here’s the truth: what you feed, grows. Scroll through social media for hours and you’re feeding distraction. Watch the news on repeat and you’re feeding anxiety. Spend time with your family, read a book, or write a page, and you’re feeding connection and growth. Like it or not, the results are predictable: seeds always sprout into what they are meant to become. ...

🪞 Reflection We Always Have Options It’s easy to forget we have choices. The pace of life, the pressure of obligations, and the sheer weight of habit can convince us that the path we’re on is the only path available. But the truth is simpler and more freeing: we always have options. Sometimes those options are small, almost invisible. Choosing to go for a walk instead of doom-scrolling. Reaching for water instead of another cup of coffee. Deciding to listen rather than rush to reply. These are choices, too: small turns in the day that can shift our mood, our energy, even our outlook. ...

I came across a quote earlier today that stopped me: “Travel is never a matter of money, but of courage.” — Paulo Coelho, Aleph (2011), in Chapter 1 I’d never heard of him until then. I haven’t read his books. I don’t know much about his story. Yet that one line hit home. It’s the kind of truth you feel in your chest before your brain has time to argue. Because most of the limits we think we have (money, time, talent) are smoke screens. What’s really missing, more often than not, is courage. ...