• Your Time Scale

    Your Time Scale

    We make hundreds or thousands of subconscious decisions each day, but just because they’re subconscious doesn’t mean that we have no influence on them. Quite the opposite, they are actually dictated by our principles and the lenses through which we view the world. By changing those things we can automatically and effortlessly make better decisions.…

  • Investment Principles

    Investment Principles

    A friend asked me if I had any rules for investing, not necessarily in stocks but in other things, and I said that I didn’t have hard and fast rules, but thought about it more in terms of principles. What are those principles, she asked? Well… I didn’t quite have an answer ready. I’ve thought…

  • Why I Love Escape Games (Even in VR)

    Why I Love Escape Games (Even in VR)

    My friend Michiru was very excited about a new thing that some of her Japanese friends had brought to San Francisco. It was called a “puzzle break room” and her description of it made absolutely no sense to me. She kept insisting that I would love it and that I absolutely had to go, but…

  • A Basic Formula for Contentedness

    A Basic Formula for Contentedness

    A friend and I were discussing food. I told him that I didn’t care about food, and he laughed and said that I cared more about food than anyone he knew. I am so obsessed with ingredients and quality and wouldn’t eat at a lot of restaurants. I thought about it and realized that he…

  • Being Fascinated

    Being Fascinated

    For the past few days I’ve had a spring in my step. Why? Because I’m writing some tax-loss-harvesting and rebalancing software, of course. Yesterday, as I was coding, I realized how monotonous the code I was writing was, but how much I was enjoying writing it. It was a strange combination. I don’t always love…

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  • Choosing How to Invest Time and Money

    Choosing How to Invest Time and Money

    Partially because of my previous two posts about managing your finances like a billionaire and because of the obvious impact of of coronavirus on CruiseSheet, I’ve gotten a lot of emails recently around money and finance. I realized that there’s one missing piece that I may not have talked about much before, but which may…

  • Managing Your Money Like a Billionaire: Part 2

    Managing Your Money Like a Billionaire: Part 2

    This is a continuation of last week’s post. Read it first or this won’t make much sense. One clarification from last week that several people pointed out is that my definition of Beta was too simple and a better definition is that Beta is the reward you get for taking risk. The end result is…

  • Managing Your Money Like a Billionaire: Part 1

    Managing Your Money Like a Billionaire: Part 1

    These past couple weeks represent the biggest shift in my understanding of personal finance in many years, maybe even decades. Things that never made much sense to me (and which I dismissed as foolish) now make a lot of sense, and my own plan for how I manage my finances has changed drastically. I also…

  • A Step by Step Guide to Life Prioritization

    A Step by Step Guide to Life Prioritization

    I’ve been asked a lot recently about how I manage different priorities and how I translate those priorities into day-to-day actions. It’s always a good question, but with many of us finding ourselves less distracted with travel and entertainment, the question is more relevant than ever. Let’s go through a quick exercise to help solve…