Rahul Hazarika

[Justin Welsh @thejustinwelsh]

You will never build anything meaningful if you're unable to communicate directly.

Great people will appreciate your candor, and mediocre people will self-select out.

[James Clear @JamesClear]

A Monday morning question for you:

Are the results you are expecting aligned with the habits you are following each day?

[Rahul Hazarika @rrahulh20]

I'm no AI expert, but if AI can do almost anything, why not use it to build solutions so no child loses their life to disease, war, or politics? That's a future worth chasing.

[Robert Greene @RobertGreene]

People will constantly attack you in life.

One of their main weapons will be to instill in you doubts about yourself – your worth, your abilities, your potential.

They will often disguise this as their objective opinion, but invariably it has a political purpose – they want to keep you down.

[Robert Greene @RobertGreene]

Do not leave your reputation to chance or gossip; it is your life's artwork, and you must craft it, hone it, and display it with the care of an artist.

[Rahul Hazarika @rrahulh20]

I've been walkin' in the footsteps
Of society's lies
I don't like what I see no more
Sometimes I wish that I was blind
Sometimes I wait forever
To stand out in the rain
So no one sees me cryin'
Tryna wash away this pain

These words from keep the faith 🔥

[Rahul Hazarika @rrahulh20]

When the arrow misses your target, maybe God has a better one in mind

And remember , God makes no mistake..

[Justin Welsh @thejustinwelsh]

One of the simple keys to wealth:

Become amazing at one thing that takes years to learn.

Those skills are the only ones the world pays a premium for.

[Vikas Singh @vikas_ai_]

STEVE JOBS GOT FIRED FROM APPLE.

Then he walked straight into MIT and dropped the most raw, unfiltered 60-minute business masterclass ever recorded.

Zero PR bullshit. Zero image to protect.

Just pure, brutal honesty from the man who built Apple once and was about to rebuild it even bigger.

Stop scrolling.

Watch this tonight instead of Netflix.

Bookmark it. Come back to it.

[Jaynit @jaynitx]

Bill Ackman literally gave a 44-minute masterclass that explains money better than any business school.

1. Starting early is the single biggest advantage you have. If you save $10,000 at age 22, never add another penny, and earn 10% a year, you have $600,000 by retirement. wait until 32 to start, and the same money only grows to $232,000. The decade you lose at the beginning costs you more than any decade later because compounding does its heaviest lifting at the end.

2. The return rate matters even more than most people grasp. That same $10,000 at 22 earning 10% becomes $600,000. At 15% it becomes over 4 million. At 20%, the rate Warren Buffett has achieved, it becomes 25 million. Einstein called compound interest the most powerful force in the universe. Ackman's lecture is essentially a demonstration of why.

3. Avoiding losses matters as much as chasing returns. if you reach for a 20% return but lose half your money every 12 years from bad decisions or a rough patch, your 25 million collapses to 1.8 million. Buffett's rule one is never lose money. Rule two is never forget rule one. the math of recovery is brutal, so protecting the downside is not caution, it is strategy.

4. Debt is safer, but the upside is capped. Equity is riskier, but the upside is unlimited. In the lemonade stand example, the lender who put up $250 earns a steady 10% and gets paid back first if the business fails. the equity investor who put up $500 earns over 100% if it succeeds but gets wiped out if it fails. The equity holder earns more precisely because they took the risk the lender refused.

5. The risk that matters is permanent loss, not price movement. most people think risk is the stock price bouncing up and down every day. Ackman says ignore that. the real risk is whether you will permanently lose your money. Short-term volatility is noise. the question that matters is whether you get your capital back with a return over the long run.

6. Avoid startups and complicated businesses. You do not need 100% a year to build a fortune. you need 10 to 15% over a long period. so skip the lemonade stands and unknown ventures. Invest in public companies that are established, liquid, and have to clear real hurdles before going public. If you cannot understand how a business makes money, avoid it no matter how good its track record. Ackman cites Enron, a business almost nobody actually understood.

7. Invest in a business you could own forever. if the stock market closed for 10 years, you should not be unhappy holding it. Coca-Cola is his example. easy to understand, sells a syrup and earns a profit on every drink, the population keeps growing, and it is nearly impossible to disrupt with new technology. McDonald's is another. People have to eat, the food is cheap, and they keep growing. find a business you would be comfortable holding through anything.

8. You want products people are loyal to and will pay a premium for. People buy generic flour and sugar without caring about the brand. but they want the Hershey bar, the Cadbury bar, the see's candy specifically. you do not want to sell a commodity that anyone can sell cheaper. You want something unique that customers refuse to substitute even at a 20% discount.

9. Low debt is a safety feature. In the lemonade stand example, $250 of debt was manageable. But if it had been $1,000 and the business hit a rough patch, it could have gone under and wiped out the shareholders. Find companies with little debt or so much profit relative to their interest payments that a bad year cannot sink them.

10. Barriers to entry protect your returns. You want a business that is hard for someone to compete with tomorrow. Coca-Cola's market presence is so strong that you expect to get a Coke at any restaurant. Pepsi has coexisted with it for decades, but neither can put the other out of business. If a competitor can show up next year with a better version and steal the customers, the business is not worth owning long term.

11. The best businesses are immune to outside factors you cannot control. Coca-Cola has survived 120 years through world wars, nuclear weapons, and every kind of crisis, and each year it makes slightly more money. You want companies that do not depend on commodity prices, interest rates, or currency moves. A business that keeps earning regardless of what is happening in the world is the kind you hold forever.

12. Low capital intensity is one of the most underrated qualities. The worst businesses require massive reinvestment to grow. The auto industry has to build enormous factories and buy machine tools before selling a single car, and those tools wear out. GM's stock barely moved over 40 to 50 years for exactly this reason. Coca-Cola, by contrast, sells a formula and collects a royalty. American Express takes a few percent of every dollar spent on its card. a business that earns a royalty on other people's capital is one of the best things you can own.

13. Pay down debt and build a cushion before you invest. If you have high-interest credit card debt, paying it off is a guaranteed return equal to the interest rate. same logic, to a lesser degree, with student loans at 6 or 7%. and you want 6 to 12 months of expenses in the bank so that losing your job tomorrow does not force you to sell. You can only handle market volatility if you do not need the money.

14. Be a buyer when everyone is selling and a seller when everyone is buying. The natural human tendency is the opposite, a lemming-like instinct to sell in a crash and buy in a bubble. people sold into the 1987 crash when they should have been buying. The only way to resist this is to be financially secure enough that the money at risk does not affect your life, so you can withstand the swings without panicking.

15. The stock market is a voting machine in the short term and a weighing machine in the long term. Ben Graham's idea, which Ackman repeats. short-term prices reflect the whims and emotions of investors. long term, prices reflect the actual value of the underlying businesses. If you buy good businesses at reasonable prices and hold them while they grow, you make money over time as long as you are never forced to sell at the wrong moment.

16. A stock is just a bond where you do not know the coupon. Flip a price-to-earnings ratio over, and you get an earnings yield. A stock at 10 times earnings is a 10% earnings yield, which you can compare directly to a 3% treasury. the difference is the bond's coupon is fixed and the stock's coupon, its earnings, moves up and down. Ackman wants an earnings yield higher than a treasury that will also grow over time, so he does not need to be right about explosive growth to earn a good return.

[Tim Ferriss @tferriss]

How can I throw money at this problem? How can I “waste” money to improve the quality of my life?

One of Dan Sullivan’s sayings is: “If you’ve got enough money to solve the problem, you don’t have the problem.”

In the beginning of your career, you spend time to earn money. Once you hit your stride in any capacity, you should spend money to earn time, as the latter is nonrenewable.

It can be hard to make and maintain this gear shift, so the above questions are in my regular journaling rotation.

[Rahul Hazarika @rrahulh20]

Integrity is non-negotiable.
Lose it once, and you’re as good as dead.

[Rahul Hazarika @rrahulh20]

The way I see it now, every cheap dopamine hit comes with an expensive cortisol bill.

[Rahul Hazarika @rrahulh20]

If you’re brave enough to say goodbye, life will reward you with a new hello
— Paulo Coelho

[Rahul Hazarika @rrahulh20]

Pluto isn’t just a planet.
it’s what happens to anything small and distant.

The farther you are, the easier you are forgotten.

You’re destined to lose to others,
even if you take the longest route.

[Rahul Hazarika @rrahulh20]

Level up

[Rahul Hazarika @rrahulh20]

💯

[Robert Greene @RobertGreene]

The brain is designed to learn through constant repetition and active, hands-on involvement. Through such practice and persistence, any skill can be mastered.

[Rahul Hazarika @rrahulh20]

The loudest judges are usually the ones who’ve done the least.
Post anyway.

[Rahul Hazarika @rrahulh20]

With all the AI, tech, and next-gen innovation in America…the moment things go wrong in a Hollywood movie .."No, we gotta go old school." 😂