Morgan Housel

And so people listening to this might be like, oh, maybe I should try Ramit's thing.

Maybe I should go spend a lot of money on clothes and drive a beat upon to Civic.

Like, no, like maybe that's for you, but it's probably not.

You have to figure it out what it is.

It takes like just a crazy amount of independence and looking in the mirror and trying to figure out what works for you.

And same for investing.

And so what's interesting to me, maybe it's not surprising, but it was interesting, is that at the end of my first book, The Psychology of Money, there's a chapter about the psychology of my money.

I just kind of laid out everything that I believe.

There's no numbers in it, but it's like,

here's how I save, here's how I invest, here's how I spend, here's my personal philosophies.

And in that, I said, look, I dollar cost average index funds.

I had a 3% mortgage that I paid off early, which is a terrible financial decision, but I love doing it because it made me feel good.

And so I laid it out and there were so many people who, I can't tell you how many emails I got of people saying, I love the book until I got to that chapter and now I can't take you seriously anymore.

And I think it's interesting to me that even after laying out in the book being like, look, there's no formula.

You just have to figure it out for yourself.

People looked at the decisions that I made and said, well, they basically said to themselves, I would have done it differently.

So therefore you must be wrong.

And I think that's the disconnect that people have.

It's such an important part of society.

And there's so much uncertainty to it that I think a lot of times when people are...