How Embracing Low Time Preference and Taking Control of Your Finances Can Lead to Long-Term Success In my early 40s, while living and working in the UAE, I walked into a financial adviser’s office, ready to get serious about my financial future. What followed was a moment I still carry with me — a moment of shock, confusion, and, ultimately, empowerment. The adviser didn’t waste time. On a piece of paper, she drew a mountain with a small stick figure — my financial avatar — barely halfway up the slope. Then she sketched a steep cliff face ahead and warned … Continue reading To Make Money with Crypto, You May Need to Fire the Experts