Morgan Housel 

• Once you earn enough, controlling lifestyle expectations helps you save
• Despite higher incomes, our lifestyle stayed the same since most things we enjoy – walks, reading, podcasts – are inexpensive
• If you can meet your goals without extra risk, why try to outperform?
• My strategy focuses on saving, patience, and trusting in long-term global economic growth, not on picking sectors or timing recessions

Christine Benz 

• Low-cost, simple portfolios let us focus on what matters: rewarding careers, passions, community involvement, and family
• Financial compatibility with your partner is key, but often overlooked
• Success in life is about balance, and my investments reflect that

Brian Portnoy

• True wealth is the ability to fund a life that’s meaningful to me
• We have been disciplined in spending, not because of a strict budget, but because we don’t covet big-ticket items like cars, jewelry, or art
• After two decades with top fund managers, my takeaway is: we should all own index funds, allocate reasonably, and get on with life

Joshua Brown 

• Almost everything I do has a long-term focus; I don’t day trade
• When people disagree about a stock bet, the simple resolution is time

Bob Seawright 

• Humans lack courage more than genius, and persistence most of all. Sticking to financial plans is often harder than creating them
• Our decision-making defaults to immediate, tangible rewards, making it easy to ignore long-term investments

Carolyn McClanahan

• Our spending reflects our values – experience, charity, convenience – with little spent on consumer goods
• The key isn’t how much you save, but how much you spend

Tyrone Ross 

• I grew up in a financially illiterate home, which led to hard lessons
• I emptied my 401k, wasting it on living expenses, buying jewelry, a nice car, destroying my credit, and spending everything I made
• When you gain financial knowledge, it’s crucial to pass it on

Dasarte Yarnway

• Our values can be seen through how we invest our money
• During the accumulation phase, time is my biggest asset
• The intersection of my time and values guides where I invest

Nina O’Neal

• I dollar-cost average monthly, primarily using mutual funds and ETFs
• My greatest return on investment is the freedom to love what I do without a corporate agenda
• We must prepare to live well both in the present and in the future

Debbie Freeman

• I invest every month, regardless of market conditions, with ETFs & mutual funds
• Life isn’t just about milestones; it’s enjoying the moments in between
• Be consistent and disciplined with your long-term goals

Shirl Penney

• We have 4 categories of capital: personal, family, philanthropic, fun
• We invest in a diversified portfolio, primarily consisting of index funds

Ted Seides

• My childhood was secure, stable, and worry-free
• Loss of that stability shook me; I was ill-prepared
• When my cash flow is positive and I maintain a buffer for lean years, I feel stable and can invest long-term

Ashby Daniels

• Excess often complicates life instead of making it more fulfilling
• Lifestyle choices will likely determine 80% of our financial future
• Chasing a few extra basis points of return is a waste of time
• Trying to beat the market introduces the risk of underperforming. If we don’t need to beat the market, why take that risk?
• Sticking to a diversified portfolio is the closest thing to an investing superpower
• Insurance protects us from what can go wrong, enabling us to invest in what can go right

Blair duQuesnay

• Early money memories form “money scripts.” Understanding these helps remove barriers to financial success
• Trying to beat the market is a losing game – avoiding bogeys matters more than making birdies
• Very few professionals beat the market consistently after costs
• The market return is solid, and low-cost index funds make it easy to capture if we accept it. I haven’t purchased an individual stock since

Leighann Miko

• We can’t take meaningful action until we discover what truly matters to us. It’s okay to make decisions that don’t make sense on paper
• Understanding what truly matters has given me more control over how I spend – or choose not to spend

Perth Tolle

• I view my personal investments as tools to serve my mission
• I focus on low-maintenance instruments like ETFs and index funds
• Investing can also be a form of expression

Joshua Rogers

• Over-obsession with personal investments may yield short-term gains, but long-term leads to emotional decisions and poor results
• Everyone should have a financial advisor as a sounding board to provide objective advice

Jenny Harrington

• I don’t own shares in my brother’s successful ice cream company to avoid risking our personal relationship over money
• I grew up in a financially volatile household and saw the downsides of living above our means, relying on potential big wins
• I invest heavily in myself and my business

Michael Underhill

• I learned early on the value of hard work, grit, and being self-sufficient
• Performance of individual securities is unpredictable, and so is the performance of portfolios in the short term

Dan Egan

• My biggest asset is myself – my time and effort – and I focus most of my attention here
• People can become owned by their money and possessions, spending their lives managing them instead of enjoying freedom
• Only value money for the joy it brings or the pain it removes

Howard Lindzon

• Charlie is my financial advisor when it comes to market asset allocation
• Charlie uses low-cost ETFs for building client portfolios

Ryan Krueger

• The greatest trick the devil played on investors is making them think investing matters most; the working part – deposits and discipline – moves the needle more
• The most important piece of my life was my wife agreeing to marry me

Lazetta Rainey Braxton 

• My career and my husband’s serve different purposes. He’s the bond investment, with steady income and low risk, while I’m the equity investment, taking on higher risk as an entrepreneur
• We’re grateful that our values align and that we laid the foundation for financial flexibility early on

Marguerita Cheng 

• The best advice was not to define myself by possessions, but by my accomplishments and education
• My money philosophy shapes my investments: I focus on flexibility and discipline
• I prefer simplicity, avoiding over-optimism or pessimism
• My approach is dollar-cost averaging, tax-free growth, and time value

Alex Chalekian

• Dollar-cost averaging may be boring, but it works
• Money is simply a means to an end
• Take the time to discover what wealth means to you. Once you understand this, build the foundation for a happier future