Jennifer Baez

I love Voltaire’s observation that “History never repeats itself; man always does.” It applies so well to how we behave with money.

If you grew up when inflation was high, you invested less of your money in bonds later in life compared to those who grew up when inflation was low. If you happened to grow up when the stock market was strong, you

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Emergence occurs when an entity is determined to have properties its parts do not have on their own these properties emerge only when the parts interact within a wider whole

Local communities in different parts of the world are making a constructive difference in responding to a plethora of crises: global climate change, political authoritarianism, economic disparities, poverty, war and the threat of nuclear war, consumerism, and a general sense of meaninglness.

They are interested in inner transformation as well as

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Social scientists have long known that we tend to be overconfident when we evaluate ourselves. Here are some highlights of their findings: High school seniors: 70 percent report that they have "above average” leadership skills, compared with 2 percent "below average"; in the ability to get along with others, 25 percent rate themselves in the top 1

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Horizon Three is a presently held articulation of viable and desired potential futures, and the values they grow from, discovered as current seedlings of developing potential.

Fifteen billion people were born in the 19th and 20th centuries. But try to imagine how different the global economy—and the whole world—would be today if just seven of them never existed:

Adolf Hitler

Joseph Stalin

Mao Zedong

Gavrilo Princip

Thomas Edison

Bill Gates

Martin Luther King

Another way to put this is that 0.00000000004% of people were

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“Enough” is not too little.

The idea of having “enough” might look like conservatism, leaving opportunity and potential on the table.

I don’t think that’s right.

“Enough” is realizing that the opposite—an insatiable appetite for more—will push you to the point of regret.

Reputation is invaluable.

Freedom and independence are invaluable.

Family and

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