We don’t have to be smarter than the rest; we just have to be more disciplined than the rest. Sounds familiar? This and hundred others come from the wisdom and life experiences of the Greats like Warren Buffet. There are many other gurus — whether it is in investment, money management, living life, philosophical outlook etc. It is pointless to just take quotes at face value. They are more than just good-feel or intellectual knowledge. We should delve deeper, understand them and relate back to ourselves. Internalise the concepts. Practise it. This was how I form my 21 Cardinal Investment Rules. It’s a short post, but more time is better spent reading and translating for personal enlightenment. Year 2020 has just started. Credits to Walletsquirrel ...