Does how you behave with money matter more than how clever you are? Morgan Housel stitches crisp stories to show why luck, risk, and the baggage of our personal histories steer decisions more than spreadsheets ever will.

He argues for plans you can actually stick to - reasonable over optimal - so compounding can do its quiet, astonishing work. Leave room for error, avoid the kind of bets that end careers, and define "enough" before envy moves the goalposts.

Wealth, in his framing, is the freedom to control your time, not a leaderboard. Markets, he reminds us, are moved by a handful of tail events, so humility and flexibility beat bravado. If you can manage your emotions, expectations, and risk, you'll build wealth you can keep - and sleep well while you do it.