What if we jotted down the fleeting sparks of inspiration that come our way each day? That question inspired me to start recording a note every day. Over time, I collected 834 entries and shared them on social media. I turned the notes into one-minute whiteboard animations, organized them by theme, and refined them into a collection of short questions and thought-provoking content. The result is a series of five books, now available in EPUB format. You can order them through the Amazon Kindle Store link in my profile. * JUST MY THOUGHTS Series: JUST MY THOUGHTS: 100 Observations on Value, Wealth, Business, and Life JUST MY THOUGHTS: 100 Observations on People, Feelings, and Everyday Life JUST MY THOUGHTS: 100 Observations on Work, Business, and Making Things Useful JUST MY THOUGHTS: 100 Observations on Money, Choices, and Uncertainty JUST MY THOUGHTS: 100 Observations on Observation, Ideas, and a Changing World * Release Date: Oct. 28th, 2026 * Amazon Kindle EBook Store https://www.ama...
Debt inevitably incurs costs: the interest and the usage fee . Borrowing means using someone else’s property as if it were my own. When the purpose of borrowing is achieved, or when the agreed time to return it arrives, it is returned to another person’s possession, and the borrowing cost is no longer incurred. Costs also serve as the basis for production and are the consideration for almost all debts, regardless of the borrowing purpose. The frightening aspect of debt is that it incurs costs and requires repayment of the principal. Originally, the principal was not mine. Thus, spending with other people’s money exposes you to significant risks, especially when you spend on perishable consumption that disappears after use. If you spend someone else’s money without differentiating between production costs and costs for extinction , you are on the fastest path to destruction. Therefore, luxury can ruin even the rich. - Joseph’s “just my thoughts”