Doing well with money has almost nothing to do with how smart you are. The Psychology of Money proved this, 8 million copies later, and most finance professionals still haven’t internalized it. The best investors aren’t the ones with the highest IQs. They’re the ones who didn’t panic sell in March 2020 Who don’t chase yield they can’t explain Who stay invested when everything in their brain is screaming to get out Behavior beats intelligence in finance Every cycle. Every time The problem is the financial system was never designed to support good behavior It was designed to make selling easy and borrowing expensive. You can liquidate a position in seconds Borrowing against it takes weeks and costs 6% The right decision shouldn’t just require a private banker in the current world.