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Things every sharp person knows

The essential concepts from law, finance, psychology, science & history that serious people carry

Compound interest: the force that makes early savers wealthy and late borrowers broke. Supply and demand: the price mechanism that allocates resources without a central authority. Opportunity cost: every choice is also a rejection of every alternative. Regression to the mean: extreme outcomes are usually followed by less extreme ones. These four concepts explain more about how the world works than 90% of what's taught in school.

Key Points

  • Compound interest: the most powerful force in finance
  • Opportunity cost: the price of every decision is what you didn't choose
  • Regression to the mean: extreme outcomes are usually temporary
  • Incentives: understand incentives and you understand behavior
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