EW | Personal Finance & Investing

@PeakThinkers_ Fortune favors the bold.

"The biggest risk is not taking any risk… In a world that is changing really quickly, the only strategy that is guaranteed to fail is not taking risks." — Mark Zuckerberg

@JaynitMakwana Full 5 hours course for free? thanks for this, amazing!

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@jaynitx Invert, always invert. If you want to solve a problem, ask what could cause failure, then avoid it.

Charlie Munger saved pilots' lives by asking one question: "How can I kill them?" It’s the same thinking that made him a billionaire. "I have a good mind, but I'm way short of prodigy. And I've had results in life that are prodigious. That came from tricks. I just learned a few basic tricks from people like my grandfather." Someone asks: "What were those tricks?" Munger laughs: "It's too late for you old guys. But there are all kinds of tricks I just got into by accident in life. One: I invert all the time." He shares a story from his time as a weather forecaster in the Air Corps: "Being a weather forecaster is a lot like being a doctor that reads X-rays. It's pretty solitary. You're in the hangar in the middle of the night, drawing weather maps, briefing pilots. The minute I was actually making weather forecasts for real pilots, I said: 'How can I kill these pilots?' That's not the question most people would ask. But I wanted to know what the easiest way to kill them would be, so I could avoid it." Munger explains what he found: "I thought it through in reverse. I figured out there were only two ways I was ever going to kill a pilot. I was going to get him into icing his plane can't handle, and that will kill him. Or I'm going to get him someplace where he's going to run out of gas before he can land because all the airports are sucked in. I just was fanatic about avoiding those two hazards." He adds a sobering note: "If Kobe Bryant had somebody like me, he'd still be with us. It was so stupid to kill yourself that way." Munger traces this back to his grandfather: "My grandfather would say to me when I'm swimming, 'Swim as long as you want, but stay near the shore.' You can laugh, but he was a very wise man." On why inversion works: "It's like a lot of practical problems in algebra. If you invert, you can solve it easily. If you don't, you can't solve it easily. Most people say, 'How can you help India?' I would approach it differently. I'd say, 'What could I do which would most easily hurt India?' And approaching it in reverse that way, I got better results. You look at the vulnerabilities." Munger shares another trick, bracketing: "I was in ROTC in both high school and college. The ROTC taught me to fire mortar shells, one shot over, one shot short, and then kapow. I never shot any damn shells. But I've been using that mental trick all my life. That's how I determine what size to make something. Over and under, and kapow." On thinking in three dimensions: Munger tells a story from his days as a young lawyer: "I had a client who owned a bunch of hilly ranch land on the edge of civilization in Southern California. The Edison Company wanted a new easement through his land. He hired the leading appraiser in Orange County, very pompous, very old, very distinguished. My client thought he should get $250,000 for the easement. The appraiser told him, 'No, I'm sorry, it's only $125,000.'" The client asked Munger to talk sense into the appraiser: "I looked at his problem. What he had done is what he was taught to do in appraisal school; he thought the problem through in two dimensions. He figured out from comparable sales what the value per acre was. He computed the acreage. He added a little bit for the damage the easement would do to the remaining property. But it was all done in two dimensions." Munger saw the real issue: "I said to the appraiser, 'You've got to do this in three dimensions. God gave us three dimensions. If they put big transmission line towers, it's going to freeze the grade. The logical way to develop hilly land is to lop off the top of the hills and put them in the valley. That's how hilly land is developed. They're doing enormous damage by freezing the grade.'" The appraiser wouldn't budge: "He wouldn't change a damn thing. So I said to my elderly client, 'I think you have to fire this twit, and I will hire you an appraiser who can think.' I got him $600,000. It wasn't hard at all, because I was dealing with a bunch of honest engineers at Edison who did think in three dimensions." Munger reflects: "You'd be surprised how many lawyers would screw that one up. People like that appraiser, who didn't know his own business very well because he didn't pay attention to the fundamentals, those people are always with us. If you just have the mental trick of constantly going back to the basics, you'll be fine." On knowing when you have enough information: Someone asks about the Anadarko deal, a big oil company Munger invested in quickly: "Warren and I have been together so long that with just one grunt, we can speak a volume. The Permian Basin is our number one oil reservoir. We don't have another like it. It's perfectly obvious. You have a preferred stock that gives you an advantage over everybody else, plus an upside. We've done this kind of thing before. Of course we did it. It's not very difficult." Munger criticizes excessive due diligence: "You don't need perfect. If you're 96% sure, that's all you're entitled to in many cases. I see these people doing endless due diligence. The weaker they are as thinkers, the more due diligence they do. It's just a way of laying an inner insecurity. And of course, it doesn't work." He gives an example: "In America now, they do these leveraged buyouts and these firms do what they call 'due diligence.' They send armies of young lawyers out at high rates per hour to riffle through all the purchasing orders at a place like ISCAR. You don't have to look through the purchasing orders to know that ISCAR is a good business. I don't think people that are that insecure mentally ought to be in positions of decision-making." Munger summarizes his approach: "I revolve possibilities. I rag problems hard. If they don't yield, I come back. This is just a bag of tricks. It enables a non-prodigy man to get prodigious results."

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Hollywood is shaking right now... Seedance 2.0 on Freepik just made AI-generated videos look REAL. It keeps faces cleaner, movement more natural, and the whole scene more coherent. Here is the breakdown🧵:

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@JaynitMakwana PetClaw seems promising I will try it out today

🚨SHOCKING: influencer marketing is getting automated... PetClaw launched the ultimate desktop AI for influencer marketing One prompt turns messy research into a structured pipeline; find creators, build sheets, shape strategy & track everything locally Here’s the breakdown🧵:

If your creator campaigns still live across scattered tabs and spreadsheets, PetClaw is worth exploring. Try now: t2m.io/JaynitMakwana Comment 'Petclaw' and I'll share the invitation code.

That is why PetClaw stands out to me. It is not just helping you generate output. It helps connect the moving parts of influencer marketing into one system: discovery, planning, organization, and tracking.

And it does not stop at collecting links or raw data. PetClaw can turn that research into an actual report, with the findings structured into a document you can review and use right away. That makes it feel less like a search tool and more like a real marketing assistant.

Here is the part that makes the workflow feel different. PetClaw can actually open the web, search through pages, and start gathering the information on its own. So instead of manually jumping tab to tab, you can watch the research process happen in front of you.

After that, it became easier to manage the whole list. The research could be turned into a creator board with filters and sorting that made the next steps feel much more organized. That is the part that made it feel like a real workflow.

Then it pushed further than just research. Instead of stopping at creator discovery, it helped form the campaign direction too. Benchmarks, niche breakdowns, and a more structured view of what kind of creators actually make sense.

A simple example: I asked it to find creators in a niche, pull the details that matter, and arrange them into a usable spreadsheet. That is normally a very manual process. Multiple tabs, profile checks, random notes, and messy copy-pasting.