My First Million
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Algebra of Wealth Formula
A mathematical representation of wealth building: Focus × Stoicism × Time × Diversification = Wealth
How It Works
Each variable multiplies the others - Focus creates expertise premium, Stoicism enables long-term thinking, Time leverages compound growth, Diversification prevents catastrophic loss
Components
Focus: Master one skill/industry rather than spreading effort
Stoicism: Control responses to market volatility and external events
Time: Start early and let compound growth work
Diversification: Spread risk across assets to prevent total loss
When to Use
When building long-term wealth strategy, evaluating financial decisions, or teaching wealth principles
When Not to Use
In situations requiring immediate income, when gambling for quick returns, or when other life priorities outweigh wealth building
Anti-Patterns to Avoid
Example
“A 25-year-old focuses on becoming excellent at software engineering, maintains emotional discipline during market crashes, starts investing immediately, and diversifies across index funds rather than picking individual stocks.”