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- #61. Think You Are Unbiased? This One Line Disagrees
#61. Think You Are Unbiased? This One Line Disagrees
Plus: Unpacked Charlie Munger and more...
Hello and welcome to your weekly dose of actionable (and occasionally provocative) things.
Have you noticed your bank account looks calm for the first three weeks of November, then starts screaming in the last one?
Black Friday is our Super Bowl of spending.
We stretch, sip coffee, and hurl ourselves at â70% off, today onlyâ like we are being graded on savings.
If I have to buy anything in early November (like that water heater tank, remember?), I get what I call Buyerâs Remorse In Advance.
Regret before you even hit âPlace orderâ.
Not because you bought the wrong thing, but because you are suspecting it could be 40% off with a bonus tote bag in a few weeks.
That is the Fear Of Missing the Deal.
FOMD (sounds like a diagnosis).
The feeling that somewhere out there, a prepared discount is laughing at you.
So this year we paused major shopping (the water tank does not count - that was an emergency I have been FOMDing over for weeks), and I am already scared of the credit card bill after the 28th.
Why?
Because my wife has been walking around the house for weeks saying, âI do not need anythingâ.
If you are new to marriage, that sentence is not reassurance.
That is the Government announcing âThere will be no new taxes.â
Enjoy the edition!
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Learn From My Mistakes
Short story of how I break life chaos into small, solvable problems - 2 min read.

Oh, it happened.
I tripped the litmus test for lazy thinking.
A buddy and I started with iOS. Ten minutes later we were roasting Windows, Android, and Meta Ray-Bans all together.
I was lip-syncing the talking points.
If you could guess my take on Topic B from my take on Topic A, I was not thinking. I was playing the preset.
This has a name: ideological bundling.
If I say âvinyl hits different,â you can predict my takes on MP3s, streaming bitrates, playlists, and crazy-expensive interconnect cables.
(Legal disclaimer: at this point in my life, my setup is YouTube Music and a coffee mug.)
Iâm still curious who buys 1.5 m speaker cables for $82,000.
Anyway, independent thinkers mix and match.
Bundled thinkers move as a set.
The quick test: âIf I can predict your view on one topic from an unrelated one, youâre not thinking independently.â
Why this matters?
Bundles save time, cost accuracy
âCold plunges fix recovery.â We add daily ice baths. The real problem was low protein.
âDividend stocks are safest.â We chase yield. Total return loses to a boring index.
âDeep work means zero meetings.â We kill quick syncs. Projects drift because nobody aligns.
â10k steps is the goal.â We pace at 11 pm to hit a number. Sleep tanks, which mattered more.
We become easy to steer
âEco means better.â A green leaf on plastic. We pay more for the same bottle.
âCreator camera.â We buy it on an influencerâs word and never leave Auto.
âPremium roast coffee.â We stop asking about origin or roast date.
âNatural means safe.â Fresh juice spikes glucose. Congrats, we squeezed a sugar bomb.
We miss good ideas that do not fit the set
âStrict keto is best.â We avoid beans. Fiber drops and energy dips.
âFrugality beats all.â We skip a paid service that saves hours each week.
âExperiences beat things.â We save on a good chair. Our back pays for it.
âFresh only.â We ignore frozen veg. We cook less and eat worse.
=== Self-pity mode on ===
Coming up with these was brutal. I traded coffee and paid-for YouTube for a blinking cursor.
Got you!
Iâm sipping coffeeâŚ
âŚwait. YouTubeâŚ
=== Self-pity mode off ===
Okay, I know I am wired to think in bundles. Now what?
Charlie Munger said it best: âDo not hold a view unless you can state the other side better than they canâ.
So my job for the rest of the year or the rest of my life, whichever comes first, is simple: learn the other side so well I could argue it on their team.
(Dark humor is still legal, right?)
Let me explain with an example.
Their claim: âVinyl hits different.â
Best reasons they give:
Human-friendly sound. Vinyl can shave off the harsh edges. Not âbetter by science,â more âeasier on ears that work in an office and own a loud Yorkieâ.
Ritual equals attention. You pull a pizza-sized disc from a sleeve, clean it, drop the needle. No skipping tracks every ten seconds. That ceremony tricks your brain into caring. Same trick as plating dinner on a plate instead of eating over the sink. (I tried both till I got married.)
Pleasant imperfections. The tiny fuzz and warm distortion can feel cozy. Like a fireplace video on your TV. We know it is fake heat, but our brain likes the glow.
Their rebuttal to my claim:
YouTube Music is convenient, not identical. The ritual changes how people listen.
One album at a time. Fewer skips. More attention.
Plus it is an object. You can hold it, gift it, resell it. Try reselling a playlist.
What changed for me:
It is not about sides. It is about what job each thing is good for. Vinyl is great for people who want a ritual and a vibe.
Lossless streaming still wins for convenience and for finding clean versions fast.
If sound quality matters, the big upgrades are the room, the speakers, and where you put them.
And those audio cables for $82,000?
I still believe they improve the signal mainly between the wallet and the void.
Which is why I will not trade a used car and a used kidney for a brand-new cable.
What about a pre-owned cable?
Avoid buying at all cost! Might come primed for death metalâŚ
Till next time.

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Behind the Persona
A deep dive into the quirks, habits, and backstories that shape icons
Charlie Munger was the quiet half of Berkshire Hathawayâs brain, the guy who made Warren Buffett look like the chatty one. He lived in the same plain house for decades, kept his calendar light, and treated long walks and quiet thinking as real work, not slacking off. In meetings he listened more than he spoke, then sliced through three hours of chatter with one dry comment that decided the whole thing. | ![]() |
Cool Facts About Charlie Munger
Reading As Main Job: He and Warren Buffett structured their days so most of the workday was reading and thinking, not meetings, treating quiet study as the main lever for better decisions.
Go To Bed Smarter Rule: He ran a simple daily rule for himself, "go to bed smarter than when you woke up," and treated each day as a small interest payment into a lifetime knowledge account.
Latticework, Not Loose Facts: He did not care about random trivia. He tried to hook every new fact to a few big ideas, so he could pull the right idea fast when it was time to decide. Technically, he kept Obsidian in his head.
Inversion Habit: He solved hard problems by flipping them. Instead of asking âhow do we win?â he asked âhow could this blow up?â and joked that if he knew where he would die, he would simply never go near that place.
The Too Hard Pile: If something was too messy, too complex, or he could not understand it clearly, he put it in a mental folder called âtoo hard pileâ and moved on. So instead of pretending to be smart and guessing, he just said, âI donât get thisâ and refused to invest time or money into it. That way he saved his brain for problems where he actually had an edge..
Sit On Your Ass Default: After buying a great business he preferred to "sit on your ass" and do nothing for years, which cut trading noise, reduced taxes, and enforced discipline about only acting when odds were clearly in his favor.
Circle Of Competence Fence: He treated attention as scarce and stayed inside a tight circle of competence, arguing that real risk came from not knowing what you were doing, so most opportunities went straight to the âtoo hard pileâ.
Multidisciplinary Tool Belt: He aimed to learn 80â90 simple âbig ideasâ from math, physics, biology, and psychology. With that small set of tools in his head, he could handle most real world problems without needing fancy tricks.
Watch-worthy clips
One video that got us thinking, and we think you'll like it too
This is a live demo of how stories, humor, and a single musical line can wake up an audience. You will feel smarter without suffering.
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