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Give thanks like an emperor.

Howdy, money nerds. J.D. here and I’m back from central California, where I spent an extended Thanksgiving break with my girlfriend’s family. Fun times and good food, but now it’s time to get back to work.

To kick off this week’s Apex Money, here’s something non-financial.

I’m a big fan of artist and blogger Austin Kleon. I particularly like this installment from Thanksgiving 2021 in which he teaches readers how to create a ‘zine. I like Kleon’s free-flowing, spontaneous style. It’s dynamic. It’s energetic. It’s raw. It’s real.

Anyhow, I’ve been contemplating learning how to draw, and Kleon is a big inspiration as I consider that path.

Enough with the art, though. Let’s look at some stories about personal finance! Here are the articles I have for you today.

Cumulative vs. cyclical knowledge. [Collaborative Fund] — “I can imagine a world in 50 years where things like cancer and heart disease are either non-existent or effectively controlled. I cannot ever imagine a world where economic volatility is tamed and people stop making financial decisions they eventually regret – no matter how much history of past mistakes we have to study.”

The present defines the past. [Of Dollars and Data] — “Whatever you’re thinking right now, you have to realize that you’re being biased by current events. The present is redefining your past. Sometimes this is necessary so that you don’t make the same mistakes again in the future. However, sometimes, the present can teach you the wrong lessons.”

The money value of time. [Young Money] — “The Time Value of Money states that delaying your spending will increase the value of your portfolio over time. And if we had unlimited time on this earth, then the story would stop here. Defer all spending as long as possible to have as much money as possible at some indefinite time in the future. But we don’t have unlimited time. To get the full picture of the relationship between money and time, you need to flip the equation around.”

That’s it for this Monday. I’ll be back tomorrow with more. See you then!