Risk is what’s left over after you think you’ve thought of everything.

A year ago today, Your Money was released into the world. I called it a conversation grenade. We avoid talking about money with the people we love. Then we wonder why a conversation about the numbers turns into an argument! My hope was that these 101 sketches would give us a place to start. So leave the book on the coffee table, or open it with someone you care about. If a sketch helps you have a conversation you weren’t sure how to begin, that’s what I wrote this book for! Order a copy here, or wherever you love to buy books: 📘 👉 buff.ly/gwaUxP6 Give your clients a starting point for a better conversation about money. Order copies of Your Money in bulk with code YOURMONEY5 for an additional 5% off U.S. bulk orders. Keep a few copies in your office and ship out the others as holiday gifts. 📚 👉 buff.ly/uchPThE

We tend to think about risk by only asking one question: How likely is it?   That's a useful question. But it’s only half of the calculation!   A small chance of scraping your knee is very different from a small chance of dying.   👉 Risk has two parts… How likely is it? And what happens if it does?   You need both answers!   That’s the idea behind sketch #51, The Math of Risk, from my new book, Your Money.   📘 You can order a copy for yourself here or anywhere you love to buy books: buff.ly/gwaUxP6   📚 To order in bulk as gifts for clients, colleagues, or friends, use this link to get an additional 5% off U.S. bulk orders with the code: YOURMONEY5. → buff.ly/uchPThE   Your Money is 101 simple sketches designed to start better conversations about money. Keep it on your coffee table, dog-ear the pages that make you think, and share a sketch when a money conversation with someone you love gets stuck.

What is investing actually for? You could beat the market and still miss every financial goal you have. You could also trail the market and still do everything that matters to you. An index doesn’t know where you’re trying to go! 💪 Your money's job is to help you reach the destination you want.

For my Real Financial Advisor friends…   This sketch gives you a clean way to discuss a concentrated stock, cryptocurrency, private deal, or other exciting idea without judging the client. Put it on the table and ask them to name the game. That changes the conversation quickly!   You can license the sketch for client meetings, onboarding at your firm, presentations, newsletters, videos, email, or social media. As always, license my sketches at the Sketch Store here: buff.ly/FpHHkay   For client copies of my latest book, Your Money, use code YOURMONEY5 for an additional 5% off U.S. bulk orders. buff.ly/Fdso69E 💌 If you're outside the United States and would like to place a bulk order, send an email to [email protected] and the team can help!

A good investment still needs time. Compounding cannot work on what an investor will not hold!

Long-term results often look boring at first. Patience gives compounding time to become visible!

The best investment may be the one you can leave alone.

Diversification requires the humility to own something you dislike because you can't know what the future will favor.

A good story can make hope sound like research!   A smart friend told you about it, you read an article, you think you can explain why it should go up…   But before you invest, ask yourself, “What do I actually know?”   The market doesn’t care what we hope will happen. This sketch is from my latest book, Your Money. You can order a copy for yourself here or anywhere you love to buy books: buff.ly/j9m6POP To order in bulk as gifts for clients, colleagues, or friends, use this link to get an additional 5% off U.S. bulk orders with the code: YOURMONEY5. buff.ly/AzNCmFh Leave a copy on your coffee table, in your conference room, or in the hands of the people who trust you!