Morgan Housel

Police is a dump.

Oh, God.

And that was so interesting.

I was like, I think from the outside, particularly a celebrity like that is like the people who drive by are going to see a mansion.

But inside, when it's just me and the kids and what I'm just like, who cares?

It's a dump.

And I thought that was very interesting.

I think it's so different for everybody because a lot of people find their way when they're 14 and other people find it when they're 40, if ever.

So I hesitate to give like a formula for it, but I think it tends to broadly be true in a gray way, not in a black and white way that like –

probably age birth to 20, you're forming an identity.

You're just trying to figure out who you are.

You're trying to make sense of how you're wired and whatnot.

You're just figuring out your identity.

20 to 30, I think by and large, you are learning a skill

Hopefully, again, this is gray.

This is a shade of gray here.

You're learning a skill.

In your 30s, you can put that skill to work.

And in your 40s and 50s, hopefully you can really exploit that skill and make some money doing it.

I think as a very broad, broad stroke,