Category Archives: Human Capital

Is it just the Japanese?

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No.

It’s us too.

We’re all whacky, at some level.

Humans have quirks.

Different ones to make the world go round.

Normal for me would be idiosyncratic elsewhere.

And vice-versa.

So there we are.

The other day someone was talking about panty-automats and strawberry-excretia. Way off the bell-curve, thought I. What was it about the Japanese?

Then, how were we perceived, as people?

We do have some ugly habits, us Indians.

Ever seen a guy doing an ayurvedic nasal-cleanse on the road? Sure.

Most leave the ayurvedic out.

Occupying someone else’s seat – we’re champions at that.

I’m sure you’ve heard of Indian Standard Time.

Cleaning house and throwing the dirt on the road outside our house – yeah, we’re geniuses.

However, one of our quirks is actually positive.

We SAVE.

It’s inborn. In our genes. Adding up. Compounding. All this comes naturally to us.

Yeah, silver lining. Does redeem us a bit, since this particular quality is in short supply, the world over.

Here’s hoping that we infect other nations with the savings bug.

Also, every nation has some positive quirks. Let’s look for these, to adopt.

Cheers!

🙂

One up on the Screenshot

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It keeps getting better!

There came the selfie.

Then the screenshot asked it to move over.

Now it’s the all-powerful clipping.

Yeah, clippings are taking it away.

They’ve even told the protectionists to go take a walk.

Apps are incorporating clippers.

So are browsers, as plug-ins.

What’s so special about the clipping?

In a nutshell, the clipping leads to tailor-storage of your web-experience.

Wow.

What, someone programmed in a screenshot-prohibitor?

No biggie.

Your clipper will still clip and store the entire protected page, clip by clip if it has to. Then you can just upload all the clippings to one central storage point, like Dropbox, Google Drive, or better still – Evernote. Yeah, for example in Evernote, the clippings will read as one seamless webpage.

Now that is powerful.

Feeling lazy?

There are n different ways to clip web-content. Just button-click your choice, Mr. Couch Potato.

Let’s say you want 60% of the webpage.

Yeah, there’s a lot of useless stuff you want to get rid of. Sure.

Go clip by clip. Got it together? Fine. Upload to central.

What exactly are we achieving here?

With the ability to clip and archive, your web-experience will be properly stored, waiting for your recall button-clicks.

Very soon, we’ll discuss the idea of tailor-storage further. Yeah, tagging. I’m sure you’re already doing it and know all about it. Nevertheless, we’ll discuss it.

🙂

What is an Antifragile approach to Equity?

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Taleb’s term “antifragile” is here to stay.

If my understanding is correct, an asset class that shows more upside than downside upon the onset of shock in this age of shocks – is termed as antifragile.

So what’s going to happen to us Equity people?

Is Equity a fragile asset class?

Let’s turn above question upon its head.

What about our approach?

Yes, our approach can make Equity antifragile for us.

We don’t need to pack our bags and switch to another asset class.

We just approach Equity in an antifragile fashion. Period.

Well, aren’t we already? Margin of safety and all that.

Sure. We’ll just refine what we’ve already got, add a bit of stuff, and come out with the antifragile strategy.

So, quality.

Management.

Applicability to the times.

Scalability.

Value.

Fundamentals.

Blah blah blah.

You’ve done all your research.

You’ve found a plum stock.

You’re getting margin of safety.

Lovely.

What’s missing?

Entry.

Right.

You don’t enter with a bang.

You enter at various times, again and again, in small quanta.

What are these times?

You enter in the aftermath of shocks.

There will be many shocks.

This is the age of shocks.

You enter when the stock is at its antifragile-most. For that time period. It is showing maximal upside. Minimal downside. Fundamentals are plum. Shock’s beaten it down. You enter, slightly. Put yourself in a position to enter many, many times, over many years, upon shock after shock. This automatically means that entry quantum is small. This also means you’re doing an SIP where the S stands for your own system (with the I being for investment and the P for plan).

Now let’s fine-fine-tune.

Don’t put more than 0.5% of your networth into any one stock, ever. Adjust this figure for yourself. Then adjust entry quantum for yourself.

Don’t enter into more than 20-30 stocks. Again, adjust to comfort level.

Remain doable.

If you’re full up, and something comes along which you need to enter at all costs, discard a stock you’re liking the least.

Have your focus-diversified portfolio (FDP) going on the side, apart from Equity.

Congratulations, you just made Equity antifragile for yourself.

🙂

Still Looking for those Two Minutes of Freedom?

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Why?

Meaning why haven’t you found them already?

It was just two minutes, right?

What was so difficult about that?

Perhaps you didn’t understand the task?

Ok.

Fine.

This is what we’re now going to try and look for.

Two minutes in the whole day. Where we feel absolutely free.

No shackles, no bondage, no worries, no tension.

Just sheer freedom.

Complete freedom.

We’re going to find them.

We could be doing an activity while we experience them.

Or, we could be doing nothing.

Depends on person to person.

Sleeping is a different matter. It doesn’t count for our exercise.

I’ve already shared with you where I find my freedom.

Right here.

I feel free when I write.

You need to find yours.

Now.

Why are we doing this exercise?

There’s something about freedom.

As you’re feeling it, it’s also freeing up stuff inside you and around you. Quality of life goes up several notches. You’ve got to experience it. Words won’t suffice.

So go for it.

What’re you waiting for?

🙂

Learning to live with (temporary) imperfection

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Perfectionist?

You?

Brace up.

Something small goes amiss.

You still have to get your act together.

If you have lots going under your umbrella, well, then even more so, exponentially.

Life’s about permutations and combinations.

Something or the other goes astray, almost always.

Make sure you don’t.

Go astray, that is.

Yeah.

Explain to yourself.

Hold your act together.

The other stuff under your umbrella hasn’t gone astray.

Only the one thing has.

That’s not a bad score.

Move on.

Times change.

You will get a chance to set it right.

Such is time.

Meaning, take care of your other stuff.

Well.

Take care of it well.

When the time arrives, set your astray business right.

Now you’re good.

See?

Didn’t hurt, did it?

You held your other stuff together.

You set your astray stuff right.

All came out perfect.

What more could you want?

It paid to keep your cool.

You didn’t blow it.

Worry could have blown it.

Your other stuff could have suffered.

However you were stronger.

You had learnt to live with imperfection…

… because you had also learnt…

… that time is the great equalizer…

… and that you’d get the opportunity to make it perfect again…

which you did, while you kept your world balanced…!

Well done!

🙂

Order, Order! Have you Ordered?

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Back in good old college days, Professor Weyrich used to teach us about entropy.

He taught us so well, that we’ll never forget what entropy is.

He began by taking away the hype. He knocked the wind out of the “monster” in our minds. We were able to learn once and for all what entropy is.

“Entropy is a stink-normal measurable quantity”. These were the learned professor’s catalytic words.

What does it measure?

Disorder.

Aha!

Million dollar word.

Aren’t we so in the middle of it?

It causes us to stall. Daily. Hourly.

It grows. Engulfs us. Disarray.

If we do nothing, yes.

What if we do something?

Will it still grow?

Not if we counter it.

How do we counter it?

By creating order.

Remember these three words. Someday, they’ll make you invincible.

How do you utilize your spare time? What about your normal time?

In fact, spend the whole day creating order. Systems. Pathways. Inroads. Efficient shortcuts. Approachable strategies. You get the gist.

Why?

Why not?

Who doesn’t want a smooth life?

What makes it smooth?

Order.

One needs to make that order exist first.

Relevance?

Order is the backbone of any financial strategy. It counters market disorder and tries to translate this into profits.

Let go of all laziness.

Start creating order.

If nothing else, do it for your families, for your children.

Go for it.

🙂

Focused Diversification : Mantra for all Times

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I’m more into focus.

One can focus on one thing at a time.

Agreed.

What if after that one thing starts running, it doesn’t require any more focus?

Wow.

Then I focus on another thing.

Get it running.

Then another.

Till my focus window is full.

Let me tell you about my focus window.

I focus on cash, debt, equity, forex, gold, real-estate, arbitrage, and options.

With that, my professional focus in finance is full full full.

I get something running.

That’s it.

Then I don’t need to be with it. Mostly.

Let me run you through.

1). Cash – Bind it in a worry-free and accessible manner. Done.

2). Debt – Study the underlying very thoroughly. Reject 10 underlyings. Take up the 11th which passes all criteria. Be happy with a slightly better than FD-return. Done.

3). Equity – Invest for life. Study till you drop the stock or take it up. Only invest in what meets all criteria and offers margin of safety at time of investing. On top of that – SIP (systematic investment plan). Done.

4). Forex – Get a software robot to trade it for you. Or some human-capital. All available online. Requires a bit of fine-tuning. Keep tuning till you start making a return. Done.

5). Gold – Buy physical gold. Research your source. Needs to be impeccable. Bullion. Coins. SIP. Accessible. No jewellery. Done.

6). Real-estate – Make your real-estate yield you an income. Regular income? Done.

7). Arbitrage – Understand what this is, and why it gives you a tax benefit. Get an online MF account going with Kotak MF or DWS. Divert some funds into their arbitrage MF, either or. I prefer Kotak. Monthly dividend payout option. Done.

8). Options – Get the option-strategy going. You don’t require a desktop. Mobile is sufficient. All you now need to do is take care of square-off. On mobile. This means a slightly higher level of engagement than the above avenues. Only slightly. Are you ok with that? Fine. Done.

In a flow, it’s all doable.

And, you remain focused.

Why all this?

Times demand it. You never know what might come in handy, and when.

Yeah, times are tough.

However, you are tougher.

To use Nassim Nicholas Taleb’s terminology, you are antifragile.

Let it come, then we’ll see…

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Looking around for an opportunity?

Or letting one come?

Does it matter?

Is there a difference?

You bet!

When you’re looking around, you could be in a hurry. You want to get it over and done with.

Big mistake.

You are vulnerable.

Entry price will be expensive.

Your adversary feels your anxiety and jacks up entry level.

Quality? What quality? You’re in a hurry, right?

Don’t be.

Hurry spoils the curry.

Let the investment come to you.

It will.

Brokers are restless. They want to sell. They’ll knock at your doorstep once they know your funds situation. And, believe me, they won’t ask you about your funds situation. They’ll ask your banker. In fact, your banker could well be on retainer. He’ll make sure that high quality info ups his retainer fee. That’s how it works today. Don’t believe me? How come so many people have your cell number? Did you give it to them? No? Information is a commodity. It can be bought for a price.

So, wait.

Block your surplus funds as fixed deposits.

Get an overdraft going for one fixed deposit.

Delve into your normal activities.

Now you’re sitting pretty.

An opportunity comes.

It’s cr*p. Broker’s hoping you’ll bite into the nonsense being sold.

You tell the broker to buzz off. Lack of hurry gives you the clarity required to act like this.

Something lucrative comes along. Price is right. You overdraft on your FD. Yeah, it’s ok to pay the price for quality with margin of safety.

You can always fill in the overdrafted amount as new funds accumulate. The nominal interest paid for ODing is called opportunity fees. It’s chicken-feed. Just forget about it.

The best investments in life are worth waiting for.

Are You Still Trying to Find Yourself?

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Yes?

It’s ok.

In fact, it’s even good.

“It’s the question that drives us (Neo)!”

The search is a struggle, sure.

Struggle means growth.

Keep growing.

Let the search be on.

As long as possible.

Result?

Maximal growth.

In your effort to find out who you are, you do many things.

You try stuff out.

You interact with lots of people.

There’s tremendous Karma-exchange.

You are in various situations.

You are tested many times.

You can draw upon all this experience.

It’s your been-there-done-that.

The growth-component this search has caused is your takeaway.

Keep making that takeaway bigger.

And, it’s the only real takeaway.

We’ll leave our cash behind.

Food will become poison after a certain age.

Growth will imprint upon our energy.

Growth is ours.

We’ll carry it forward, wherever we go.

This body, that body, no body, any body.

What’s the mild pain for?

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Carrying forward a niggle?

Something that doesn’t stop you from performing, though?

However, something that nags?

Can’t stop to get it out of your system?

Momentum doesn’t allow you?

When you do stop to get it out, it doesn’t go away?

Is it more mental?

Or more physical?

Can’t decide?

Don’t know what to do?

Who to ask?

What if the hospitals grab you?

Make your wart into a cancer?

Are they then ever going to let you go?

Naehhhh.

Totally stumped?

We’ll, I’ve got something for you.

Are your ears standing up?

Can’t believe your luck?

Could Nath be bee/essing?

How does he know about all this stuff?

What makes him an authority?

Why should I trust him?

Well, don’t.

Is it costing you to listen?

Well, then listen. No harm.

So, as I said, I have something for you.

Are you ready?

Here goes.

Two words.

Embrace it.

Yeah.

Yeah, embrace the niggle.

Make it drive you on.

Make its mild pain give you quality output.

Milk it.

Make the niggle your advantage.

What if it goes away?

Halleluyaa.

You’re pain-free.

What if it doesn’t?

It then becomes your secret weapon.

That’s like buttering your toast on both sides.

🙂

Yes, Jack Ma is a Champion

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I only know one thing about Jack Ma.

He didn’t give up.

That’s enough for me.

Jack Ma is a champion.

Champions fight till it works.

They’re somehow able to extract extra energy from somewhere, and stand up again, that umpteenth time.

That is what separates champions from others.

Look at Abraham Lincoln’s example.

Steve Jobs.

Cassius Clay.

Recently, West Indies cricket.

List is big.

What do champions have in common?

They don’t give up.

They keep at it.

They keep throwing potentially knockout punches… till something gives.

Sure, champions cry.

They too are human.

It’s ok to cry.

One’s system cleanses.

Tears only make them fight harder.

So what’s the champion gene?

Meaning, what makes a champion keep going at it, despite disappointments, tapping extra energy out of nowhere to keep landing potentially knockout punches?

Yes, what are the dynamics?

Body and mind are functioning at full-stretch. Perhaps beyond. What is this beyond? We are a continuum, remember. We flow. The Bell-curve of our energy, at full-stretch, actually flows to a certain extent into 4th, 5th, 6th or nth dimensions. You’ll either have to take my word for it, or experience it for yourself.

Mind over matter, ever heard that one?

Describes the above phenomenon.

Resonance.

You vibrate at a common frequency with something, and are able to tap energy from that something.

That’s what happens.

For it to happen, full-stretch needs to be there.

Bell-curve needs to go over and beyond.

Feel the energy coming in.

Feel that tiredness go away.

Land the knockout punch, you champion.

The Art of Addressing

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Address your goals.

Daily.

Make that part of your basics.

It’s easy to sit back, when a few fundamentals are sorted.

There could be bread and butter on the table.

Family could be in their groove.

Are you quite there yet?

No.

Don’t rest on the laurels of the few fundamentals you might have achieved.

An RJ might light a cigar and open a bottle of single in the evening, but only after his goals have been addressed for the day.

A WB might invite his poker buddies and kick off a game after a round of hamburgers… after his goals for the day have been addressed.

When does BG nip into his chocolates? At bedtime. After you know what. After addressing his goals for the day.

Yeah.

Now it’s your turn.

Have a few simple goals.

What?

Don’t have such goals?

Well, make them.

Then address them.

Break down your goals to their prime number form. For example :

– Research a stock

– Trade some forex.

– Write a piece.

– Learn something new.

See. As simple as possible.

It’s convenient to address simplicity.

Laziness and complacency are enemies, though.

Fight them.

🙂

Where’s the Love?

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Bro…

… it’s there…

… and it’s not.

You don’t find it, right?

You look and look.

You try everything.

Still not satisfied.

You think you’ve found it in something…

… or someone…

… is it there?

Possible… possible… possible…

… till it’s not.

It could’ve been there.

Then, it could’ve just gone.

Yeah, just like that.

Where does that leave you?

Are you to die without finding love?

Are you to find it beyond your current incarnation?

No point then, right?

Why not here?

Meaning right here, right now.

In the moment.

There is love in the moment.

It occupies a dimension.

You need to vibrate resonantly.

That’s when you start to mingle with its vibration.

You find it.

Your vibration warps.

You lose it.

Stay with it.

For a while.

The moment teaches you about the nature of what you look for.

Start to graduate.

Find it in ventures.

Some find it in finance.

Some become doctors.

Entrepreneurs.

Blah blah blah.

Post-grad to people.

Tough ball-game. We fail. Then we try again. We keep trying, till we kinda learn. Or not.

PhD in your life-partner.

Whoahhhhh, now you’re rolling.

Found it in your life-partner and stayed with it?

You’ve come a long way, bro!

Bully for you!

🙂

There’s Something There

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When does one write about something?

Stimulus. 

Yes. That’s the catalyst. 

Something needs to cause words to overflow. 

One looks around for that something. 

Or, often, that something finds one. 

There’s a reaction. Churning. Out come words. 

The speed of all this happening is the speed of thought. It’s a speed that goes way beyond our wildest imagination. Let’s put it like this – its much, much faster than the speed of light. 

So, there’s an energy explosion inside one’s mind, caused by a catalyst. Out come words. 

In today’s fast track life, one looks around for stimulus. 

Ideally (yeah, only ideally), I wish to be writing one piece a day.

Why? One might ask. 

It’s a personal goal. 

Keeps me moving. 

Writing causes systematic learning. 

Stuff gets turned into DNA. 

Disorder inside oneself gets lessened. 

One gets richer, inside.

Others are benefited, or so I like to think. 

One moves energies with words. One moves worlds, with words. 

One becomes a part of the whole, with words. 

So, I write. 

Apart form all this, writing gives me a kick. I feel free. I feel a sense of achievement. And, remember this one, not everything in the world needs to be monetized. Some things are better left non-monetized. It takes tremendous courage and a sense of strong self-belief to pursue something that’s not monetized. One gets mocked. One doesn’t get taken seriously. However, my words are bigger than that. My words make me whole. 

Stimulus, stimulus where are you?

Sometimes, one looks too hard. That’s when one stops looking, and stimulus finds oneself. 

There’s a feeling of “there’s something there”. 

One stops…

…thinks…

…energy bomb explosion…

…out come words. 

Action Oblique Inaction Upon Field-Proof

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You.

Field.

In.

No theorizing.

Just get into the field.

Act upon field-proof.

Or, don’t act…

… upon field-proof.

That’s just about it.

There’s a time for theory.

It’s to tune your mind.

Learn the ropes.

Baby-steps.

Away from the field.

So you’re yet safe.

Fine.

That stage gets over.

The onus is on you.

Real world is different.

It’s not like theory.

If it were, everyone following theory would be a billionaire.

Today’s professors don’t even put their own money on the line.

If you don’t get a feel for the LINE, your paper-knowledge has no value whatsoever.

On the field, LINE is big. Very big. You have to handle the line well. Otherwise, your money’s gone.

So, gauge the field.

What proof are you observing?

Is it compelling you to act?

Yes?

Act. Forgot about everything else.

Is it compelling you to sit still?

Yes?

Don’t act. Sit still. Forget about everything else.

Carve your own dazzling destiny.

🙂

Pain is Pain

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Pain is pain.

Can you see it?

I know you can see yours.

Thanks for reconfirming.

Can you see the pain of others, by the way?

Does it register?

Do you walk by?

Who are you… or… what are you?

Decide which question applies to you.

For example, do you see the pain of that earthworm writhing in the sun?

It rains. Coupla earthworms come out, only to be met by scorching sun. They writhe. Do you pick them up with a twig and install them in a wet muddy patch? Do you ignore them? Do you even notice them?

Finance is not too different.

It rains on your plans.

You writhe.

If your overall strategy has not been adequate, you can even perish due to your predicament.

Do you expect help?

Well, who doesn’t?

Only, you are that earthworm now. You are in pain.

Pain is pain.

The earthworm feels it, and so do you.

However, the earthworm is not able to do much. It will probably perish.

You, however, are human capital.

Stop writhing.

Prove you prowess as being superior in performance when compared to an earthworm, or perhaps to a donkey.

Stand up.

Clear your head.

Analyze the situation.

Pain dulls.

You’ve got to push through, and come out of it.

Once you’re up, and through, as in out of your predicament, well, don’t make the same mistake again. You’ll make other ones, sure, we all make other ones, but let’s not repeat the same one.

Safe investing.

🙂

Constant Activity doesn’t necessarily mean Progress

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Beware…

…of the urge to…

…constantly remain active.

The times preach it.

Maybe it was valid for different times.

Today, sitting still is an asset.

Many things happen while one sits still.

Systems cleanse.

Systems rest.

Space is created.

Recuperation is paramount.

Strength is built up, to come out firing on all cylinders another day.

Lack of activity thus becomes a secret weapon.

Weapons are double-edged.

If you’re not careful, they cut your skin from their other side.

We guard…

…against unnecessary food…

… and drink…

…laziness, sloth, mental over-zealousness, gossip and / or any kind of evil…

… while we’re inactive.

If we let such cracks seep in, it’ll have been all for a waste.

We’re not going to be inactive and be called a waste, because that’s a double-whammy.

We’re going to be pinpointedly inactive, and still be more productive than the 24×7 active ones.

We’re going to lead a good, full life with activity amidst productive periods of inactivity.

Yeah.

Core-System Maintenance

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First up, one needs to discover one’s core-system.

That’s a big chunk.

We’ve spoken about it. Again and again.

Why?

Meaning, why was it required to speak about this again and again?

We have problems putting our core-system together, that’s why.

Why do we have these problems?

We fail to sort properly. What belongs in? What needs to be kicked out? We’re not able to answer these questions properly.

People, what is working? While this thing is working, are we comfortable? Yes? Lastly, is this thing looking lucrative? Yes? Keep it.

Is something not working? Kick it out.

Look for the next thing that works.

Find three or four things things that work.

Intertwine them into a core-system.

That’s it.

It’s that simple.

Maintain your core-system. Tweak it upon requirement. If something stops working, replace it.

Yeah, even maintenance is that simple.

When will we acknowledge that…

… the best things in life are not complicated or sophisticated, but…

… simple?

The CC

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Done it again.

Introducing…

…the…

…Constitutional Comparative (CC). 

It’s in our constitutions…to compare. 

We exhibit the constitutional comparative by default…

…and we need to expunge this trait from our DNA…

…which takes time…

…but can be done, with determination and practice. 

Each one of us is unique, and we’ve come to do unique things. 

Some blossom early. 

Some blossom late. 

Some don’t blossom at all, or so it seems. Turns out later, their sole purpose in life was to provide stabilizing energy to their environment. They became activated from the womb, and they deactivated upon death. There was no question of blossoming at a certain time. You could also say, that they blossomed their whole life long. 

SEE?

Don’t compare. 

You can’t see the wheels within wheels just like that. 

Seeing wheels within wheels takes insight, penance and an appropriate state of mind. Therefore, if you really must compare, at least graduate to that state of mind first, where you possess the capability to see wheels within wheels in action. 

Or, if graduating to this state of mind is not worth your while, well, fine, no probs, but…

…DON’T COMPARE then…please. 

Live your life. 

Do what you’ve come to do. 

If you don’t know what you’ve come to do, well, FIND OUT. 

HOW?

Go within. 

Talk to yourself. Yeah, it’s not crazy to talk to yourself. 

In solitude come phenomenal solutions. 

You realise who you are…

…and what you’ve come to do. 

In a crowd, such finer points get lost, in the noise. 

And, why all this on a blog which has to do with finance?

Well, you can only invest properly if you’ve found yourself first. 

If you know who you are, you’ll also invest like who you are, as per your risk profile. 

A portfolio put together with the knowledge of your own risk profile will last you long, and will give you good returns for life. 

🙂

 

 

System Addict

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System. 

Make. 

Now. 

Life in the markets requires a plan.

No plan…no life…in the markets. 

Many don’t know this. 

Some are finding out…the hard way. 

Others are looking for free lunches…and not finding any. 

Few…have found out. 

They’re perfecting their plan…chiseling away. 

When they have something substantial…it’s called a system. 

Have system…will move. 

It’s as simple as that. 

That’s another master-word. 

What?

Simple. 

The most powerful systems in the world…are simple. 

They consist of a few basic elements, woven into a mother element. 

They have an on-off switch which even a donkey can operate. 

But that’s about it. The donkey can operate the on-off switch. Only the maker can operate his or her system properly.

Why?

Because the maker knows the nitty-gritty. 

Nitty-grittiness shows itself while making. 

No one else knows it. 

Only you do, as a system-maker. 

Also, no one else needs to be bothered about your system, because your system only applies to you, and to no one else. Unfortunately, it ain’t so in real life. Many don’t want the hard work involved in developing a system. They just want the system. That’s dangerous. 

Why?

You see, those who have a system falling into their lap, well, they don’t know its pitfalls. They can’t know. They haven’t had that alone time, when the system showed its limitations. That’s why, they’re in for a big surprise if things get ugly. They risk losing everything. 

Don’t bother about anyone else’s system. 

Develop your own. Know how to work it. Know when to work it. Know when to stop. Know when to find remedies. Know when to pull the plug and develop a new system. 

This game is about you. Not about the markets. Not about the money. Not about anyone else. Not about anything else. 

It’s about you. 

Realise that. Now. Please.