“You good at Excel?”

Here’s a little secret:

I lied to get my first job.

The interview went well. The interviewer (my future boss) and I really clicked. At the end, we even spent 10 minutes talking about my studies, my family, even my personal life.

I could tell I was going to get the job.

But just as I got up to shake his hand and leave, he asked me one last question:

“Oh, I forgot to ask. You good at Excel?”

I thought about it for a second-and-a-half. It struck me that I’d completely forgotten about that part of the job requirements. I’d be tracking everything in Excel, and needed to be ready on day one.

So I did what any ambitious person should do.

“Fluent,” I replied, looking him right in the eye.

We shook hands, I got the offer a few days later.

But the fact is, I had never used Excel in my life. It was a big mystery to me.

But this interview was in April. The job started in June. So I had six weeks to get up to speed.

And get up to speed, I did. I spent most of the next six weeks watching Excel tutorials on YouTube and practicing with datasets on my own. I remember the night before my last final, staying up until 2am trying to understand the difference between INDEX MATCH and VLOOKUP.

When I showed up for my first day, I was better at Excel than anyone else in the office.

Success happens in discrete, singular moments

Turning points are everywhere.

You probably don’t know when they’re happening. You see them only in retrospect.

But all the time—every single week—you make decisions that constitute some big turning point in your life.

The mind can never foresee it’s own advance.

F.A. Hayek

Since this is true, it means right now matters. Right now could be the biggest moment in your life. The decision you’ll make after reading this post to push even harder, today, toward your goals, could one day be what you consider the most important decision you ever made.

This post–any post–could be the most impactful thing you ever read. That all depends on what you do with it.

There are some people who believe this—that success is the sum of all small decisions made over the course of many years, even decades. Then there are some people who don’t, and who are wrong about what success looks like.

Until you truly believe, deep down, that success is attainable, and that it’s up to you, and that the first step is pushing harder in this very moment, you’re probably going nowhere fast.

Success happens in discrete, singular moments. One by one by one by one.

A friend and entrepreneur I respect once told me that to begin succeeding in life, I should start by fixing that annoying leak in my bathroom faucet. Forget forecasting, selling, strategizing. Start with things that need to be fixed. Start with the one thing you know you ought to do, but haven’t done yet.

“If you are faithful in little things, you will be faithful in large ones.”


One by one by one by one.

An odd sort of risk aversion

We’re so risk averse.

I’d bet today’s Americans are more risk-averse than any previous generation.

But it manifests oddly. So oddly.

Young Americans engage in personal behavior that is riddled with risk. Sexually, financially, professionally. Multiple sexual partners, often in rapid succession. Borrowing more than we can earn in 10 years to get degrees in fields with terrible job prospects. Quitting jobs to “tour the world” on credit.

From that perspective, we’re the opposite of risk-averse.

But we simultaneously lend our unwavering support to policies and ideas designed to combat what we believe are systemic, existential threats on our way of life. We fear big things that haven’t happened. We worry so much about the “system” falling apart.

Take universal healthcare. Almost certainly unsustainable. Definitely inefficient. Sure, there might be ways of accomplishing universal healthcare that we’ve yet to try. But to dive into something this wide, this massive, with little or no evidence and almost no possibility of turning back ought to be something few people are willing to do.

But polls show that most young people are willing, because they fear these systemic, existential threats to society enough to justify almost any society-wide action to combat them. Even giving up their own freedoms—their own liberty to live as they wish. If it means we won’t all die of some disease, sure, I’ll give up 1% of my income. If it means no mass genocide, sure, I’ll give up another 2%.

This adds up. Fast.

What’s vexing about this phenomenon is that we really have no ability to curb these things. We can’t predict a Black Swan, and it’s the Black Swans that hurt the worst. But for some reason, we believe that enough resources guards against Black Swans, and that once we’ve set up those new defenses, we couldn’t possibly have been totally wrong, or things couldn’t possibly change so much that the old defenses are literally worthless.

Think Social Security. Medicare. Nuclear weapons. Most literally couldn’t imagine the world without these rather arbitrary defenses against exogenous shocks. Yet they are old programs that have really done little to combat the true, underlying problem. Indeed, the most contentious debates in Washington are perennially the same—how do we solve these “problems” that we’re supposed to have solved a million times before? Poverty. Healthcare. Defense.

These programs, and the miniscule (and shrinking) number of people willing even to consider that they might not work, are evidence of the risk-aversion I mentioned earlier. Big existential fears that literally paralyze our critical thinking, coexisting with lifestyles that seemingly belie a defeatist attitude about our prospects for long, happy lives.

Bottom line is we don’t fear the consequences of our actions as much as we fear exogenous shocks to the “system” that threaten our way of life. But ironically, it’s the former that is statistically proven to be vastly more influential to our well-being.

Our personal choices and their consequences are responsible for most of what happens to us, yet it’s precisely this we, today, do not fear. We fear what others might do. We fear what else might happen. Nuclear war. Worldwide pandemic. A breakdown of the “system.”

This is irrational. Why do we think this way?

Maybe we watch too many movies. Maybe we don’t know our history, or don’t take it seriously.

Whatever it is, it’s the cause of most of our problems. Bad thinking about our problems and what causes them. “Whataboutism” that ends any attempt (not just particular conclusions) to measure how much blame poor or unhappy people might have for their own condition.

But this isn’t doom-and-gloom. Yes, we have it all wrong. But getting this right in your own life will vastly boost your prospects for success—especially in your professional and financial life.

Think more about what you can do to change your circumstances. Think less about things you can’t control. Spend less on insurance, more on improving yourself. Take what you planned to put toward your retirement next year (especially if you’re under 35) and take a class—learn to program, join a gym, take a class in negotiation.

Your choices make the big difference. And they can improve the way you handle exogenous shocks.

Fear yourself the most.

When asked “What’s wrong with the world?”, GK Chesterton replied, “I am.”

Take that seriously, and apply it to your fears. What’s most likely to kill you before your time? Your choices. What’s the fastest way to get rich? Your own hard work on a good business idea.

You get the point.


Nothing in this world can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent.

-Calvin Coolidge