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Checklists?!?! April 17, 2018

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My weekend reading consisted of Atul Gawande’s The Checklist Manifesto after completing Nassim Nicholas Taleb’s Fooled by Randomness. Each were fantastic, and I would recommend both. However, Checklist was a reminder to all of the things that we think we can memorize but often leave out a single step. Dr. Gawande uses anecdotes from his surgery background as well as riveting stories from across multiple industries known for going through checklists (mainly, airlines / flight and construction).

The juxtaposition of the two books allowed me the time to compare and reflect on each as they related to each other – an intertwining in heuristics, as it may. Taleb presented reminders of the ultimate affect of randomness that surrounds daily decisions. Remaining even-tempered throughout a journey if there is an actual strategy in place from beginning to end (or until an adjustment is made given new data). The process is important and should be the primary recipient of our determination of success/failure. By not taking the overall strategy into context, humans are more likely to be emotional/reactive to natural fits of randomness in the path (whether good or bad). Observing and noting these but not reacting can be key in avoiding biases that may otherwise lead someone to do something irrational. What drives these strategies and keeps us on the process path? I, for one, would often say that the knowledge gained through reading and experience. However, as a human, I don’t have the capacity to remember, upon perfect recall, all of the requisite experience at once. So, organization becomes paramount and explicit processes can be put into place – visible, not mental. This is where Gawande’s book helps.

Succinct processes can be made into a checklist. If I’m honest, I am terrible with To-Do Lists, checklists, notes, etc…. If I am good in making them, they fall away quickly to memory cache and out (until I know I need it again). A VISIBLE checklist of processes, especially when my next venture will require others to know what we’re doing, is the best way to be clear and concise. I will say that in my work as a start-up valuation consultant, I do use an ordered list for what I want to go through for a project and that has yet to steer me wrong. When I want to explain something, most is by memory, but in many lines of work, it may be best to go with a checklist that you can recall and share. Gawande makes a point that the checklists aren’t long or drawn out – more a reminder of what to consider/do in certain cases. There is a requirement for expertise and familiarity, not a step-by-step beginner-friendly mini-book.

This reminds me of PowerPoint presentations that try to include paragraphs of information on each slide. This will detract attention and reduce the power of a point you may be trying to make. Yet I see presentations done like this all too often, and it’s such a turn-off. I shut it out or turn off the video. Own your project, research, data. Set reminders for yourself to engage the audience with your short, succinct points or pictures. Have a checklist of things you wanted to cover and touch on them accordingly. Checklists shouldn’t be shameful – read the book and see how many times Gawande’s research found errors – they’re minimal but can have lasting consequences. There are consequences to not providing certain details in other fields (maybe not as life-threatening) but maybe they do affect livelihoods.

Maybe above all else, Gawande’s usage of checklists enabled communication around a common goal for a team, regardless of being a team previously. As much as each actor in the checklist believes to be an independent agent, aligning a common goal means everyone should be on the same page in the process. Feedback can be as important as execution if it can improve the overall effort. I hope to be able to utilize and refine this tool in order to better my processes and my work. Good luck to everyone!

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Productive Purge: Less is More March 21, 2018

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There may come a time where I don’t feel this relief. Where you don’t question the purpose of keeping 10-15+ year papers that have collected dust from middle, high school and college. Some may say there is a novelty of being able to reflect upon the papers and compare but honestly, if you’ve learned, I would say that you’ve chosen what sticks to mind and what doesn’t.

In Algorithms to Live By, Brian Christian and Tom Griffiths demonstrate how sorting algorithms run our decision-making processes, both in the short-term and long-term. The default? LRU – Least Recently Used. Our memory stacks on new things learned repeatedly, pushing further the less recent events down the stack. What is concrete, reviewed, fully understood may maintain a cache available on call but the percentage of material we see that falls into place is minimal (and as we age, a smaller percentage still – albeit more knowledge overall). One of the most rewarding [re: relieving] feelings was ridding myself of materials that no longer seemed relevant, especially when space can be limited. There was a weight per space allocation that had to be measured. All of the feels or none of the feels?

What did I keep, you ask? Books. I am keeping an entire me-sized bookcase worth of books, a majority of them classics or favorites from college and my push to read more since exiting. I did also keep the Harry Potter series (it can live appropriately in my mind instead of the awful recreation the movies were – don’t @ me). From my youth, I threw away many of the fantasy and science fiction stuff. I kept WWII, military aircraft, Star Wars and Star Trek spacecraft/weapons books. The amount of creativity that went into those books to create possibilities that we have seen or may see bits of in the future is astonishing. Then I felt obligated to keep textbooks I refer back to, both for valuations/corporate finance, as well as multi-variable calculus, analysis (complex & real) and interestingly enough, my sociology and bio-engineering ethics materials.

Currently, my dresser is emptied, desk is cleaned, nightstands donated and bookcase emptied. I have my laptop bag and a closet filled with necessary bathroom materials, dress shirts, blazers/sport coats, suits, long sleeves and then 2 suitcases of t-shirts, shorts and the rest of clothes. And don’t forget the shoes. Oh, and the Xbox One to go with the stereo (which is currently on the fence for donating). That’s it, and it feels good. Again, the attachment isn’t there. James Altucher mentioned often that he has no attachment to his place of residence – not owning a home, renting as needed and in short-terms so he could move at a whim. I’m not quite there (I like the idea of returning to a place to sleep that’s consistent as I don’t strike myself as one who can just take a 1-way ticket without a time frame), but I feel closer, and it’s freeing.

We attach ourselves to the past and present and the more we do this, the more I believe there’s an anchor. Now, if it’s seen in a positive light, this isn’t a negative. They’re reminders of where all of us have been. However, attitude dictates that. And I, for one, would love to continue to be more mindful and positive of these circumstances.

I am excited for what is ahead and hope the lessons from the past influence me to provide an easier path, one filled with only new challenges to learn from.

Let’s go forward!

p.s. There’s something to be said for this in lieu of Stephen Hawking’s death last week on Einstein’s birthday / pi day (he was in Cambridge at the time of his passing, a day ahead of U.S.). A Briefer History of Time was provided as summer reading entering UC Berkeley as a freshman. This was a readable (even for non-engineers/mathy-types) book that simplifies concepts that are both taken for granted as well as presenting the inconceivable in a simple manner. I had the pleasure of attending Hawking’s lecture in the spring of that year, as well. It will remain one of my personal highlights. This is a man who wanted to feel what it was like to go into space and got the opportunity to do so after his condition worsened. We should all aim to go after what we’re passionate about – forward, upward and onward.

Valuation Resources to Keep Top of Mind February 12, 2018

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In responding to a colleague who I’ve recently connected with, I was forced to go back through some old coursework, starting books/projects and the massive amount of bookmarks Chrome holds on for me. However, this was productive in allowing me to gather a few of the key websites/links/books to share for others.

Valuations – McKinsey book is one of the fundamental aspects for established companies.
Chris Burniske’s Valuations has a very interesting take on crypto-space valuations and estimating which can be applied elsewhere.
Leo Polovets at Susa Ventures opinion on technical due diligence and frameworks as waste of time (valuable, in my opinion, in arguing with my VC clients).
aswath-damodaran-valuation-guide from 2012, still very relevant. His personal website has a ton of the data/tools, as well – quick hitting and easy to double check in optimization modeling in financial projections. http://pages.stern.nyu.edu/~adamodar/
Via reddit, WallStreetOasis comments on doing dirty, quick diligence for pitch-deck style stuff.
Energy/Oil&Gas quick sheet for what to be looking for – although most of these are general, this refines it for the sector (only started to look again at this as I’m jumping into the space in some EM countries)
My finishing project in valuations was in Energy & Oil. With the recent boom of cryptos, I wish I would have had Chris Burniske’s resource 3 years prior, honestly. Could’ve been a nice jumping off point for a card-wallet company I valued then. I’ll be revisiting these, and I hope to hear back from people interested in the space.

Highlighting Some Great Finance/Start-up Resources January 18, 2018

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It’s been a bit here. I have an article that I wrote up from my travels in HK & across South India but it needs some refining.

Podcasts, books, Twitter and the internet in general provide a near-infinite resource for any number of topics. As I work on start-ups for VC’s, some resources I utilize or listen to and learn from will be what I highlight below!

The Twenty Minute VC

Harry Stebbings (@HarryStebbings) has a full-fledged podcast that he’s refined over the course of 3 years and he gets any number of contacts in finance, VC, hedge funds willing to spill guts, passions and secrets for roughly 20 minutes. I love the wide variety of content he pulls and since I started listening only a few months ago, it’s been a fascinating review from his early podcasts circa 2015/2016.

You can check out the website The20MinVC or reach him on Twitter above.

Strictly VC

Connie Loizos (@Cookie) of TechCrunch and out of Silicon Valley started a page to cover weekly or daily news in the VC world, “from Sand Hill Road to Singapore”. Whether it’s an exit, IPO, financing deal, executive change or new news among VC/PE firms – Connie often has a blurb on it and a link to the initial news. If you want quick access to the world of deals/finance that’s made global news, this is a great website.

Take a look Strictly VC.

AngelList

Naval Ravikant (@naval) has done an excellent job with his co-founders and team on expanding out the AngelList platform. The vast number of start-ups available, jobs listed within and the funding amounts are quite the resource for anyone curious. Additionally, if you’re a start-up founder or member of a team looking for funding, there’s access to connect and see what can be done! I look forward to any updates that AngelList presents and many of the startups coupled with CrunchBase are informative, well-vetted and available for contacting.

The website is clean and intuitive AngelList or reach out and let the team know @AngelList

For now, those will be the 3 I highlight. I’ll look to add or do another one soon! Hope everyone is having a great start to 2018!

Productive Rabbit Hole: Learning Edition November 28, 2017

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Polina Marinova’s The Profile had a short, interesting quote from Anne Wojcicki (genetics company CEO to 23andMe) mentioning her ex, A-Rod (former baseball star propped up as poster boy leading MLB out of steroid era to somewhat disgraced steroid user, perennial dater).
It read: But when things came to an end, her mom had a few choice words about the baseball star, including the fact that he “had no academic background” & “we couldn’t have an intellectual conversation about anything.” Billionaires — they’re just like us.
“He could park himself in front of a TV and watch baseball for 10 hours a day. He wasn’t even sure he wanted to go on the yacht with Anne because the TV might not be working. I wish J-Lo all the luck in the world.”

Academic background is a convenient convolution to the idea that [A-Rod] wasn’t well-versed in the same forms of entertainment (or topics outside of baseball). That discounts his knowledge of his passion (baseball, clearly, as he’s now a strikingly good commentator/analyst). Different people can find a common ground – that doesn’t say that they must find common ground. If they’re no longer together, we can assume the latter – but it doesn’t have to be a lack of academia. That enrages me – completion of university/college does not grant an implication of being generally more intelligent / smarter than anyone else. Quite frankly, if someone has graduated recently could bring into question their knowledge of basic finance and how tuition continues a huge upward movement, doing multiples over inflation paces over the last 2-3 decades.

When I speak or see people with this attitude, I try to encourage a changing of mindset – people vary in their passions. Myself, I can enjoy many topics of conversation but there are others that I would have almost no valuable input, so I can see that and stay quiet or ask questions (if I find interest). The internet provides an endless availability to information. If you can get past the black holes of meme barrages, Facebook, Instagram or Snapchat scrolling, there are plenty of rabbit holes you can meander through to educate yourself in any number of topics. Better yet – you can find productivity in communities that support these topics everywhere via the net!

Seek and you shall find. Reading is one of my favorite ways to spend extra time learning, listening to podcasts as well as perusing LinkedInKaggle & FuturismUdemy / Coursera/Udacity/Datacamp as MOOC (courses learning) sites, Reddit & even Twitter if you search lists / interests. These are certainly not exclusive but provide collections of massive amounts of information – just have to search!

Seeking / Finding the information is one thing, but then I believe more people should do better to fact-check, compare/contrast alternative viewpoints or really seek truths. Who runs websites / what is the motivation / generally asking better questions to reflect on what you’re learning – often a lacking response (I would say skill, but I genuinely believe that more people choose not to do it, not that people are incapable of being reflective).

This all brings me to a last point that hopefully brings this information together – that it is not only an obligation to learn and question further but also to SHARE the information! This can be discussions on the internet, voicing an opinion with friends and co-workers, or simply running a play-by-play to reason through your own thought process in what you’ve amassed. Closed, one-way information feeds pale in comparison to open loops with new ideas, feedback, questions and general understanding. There is a reason we are seeing an increase in lean organizations and groups of people make larger contributions in ways we could not have imagined 30 years ago. Keep it up everyone!

Life is Global October 23, 2017

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In just returning from Chile and having my 29th birthday, I did a ton of reflection over the last 2 weeks. Long flights, new places, peaceful heights & coming of age will force you to do this, if you don’t pause on your own to do it anyhow.

A word:
metacognition – dictionary.com has this as “higher-order thinking that enables understanding, analysis, and control of one’s cognitive processes, especially when engaged in learning.” I prefer a simpler “thinking about one’s own mental processes” .

Why do we do what we do? Some just act instinctively. Others act and then question why they acted. Yet there are some who will think, then act. There is a process by which everyone goes about their actions and thoughts – very few reflect on this process. Even fewer that look to change it for the better. Learning to think, approaching problems, coming up with solutions. Producing insights that can push forward or analyze why processes should be different.

In visiting with neighbors on my flights, shoulder-to-shoulder in immigration lines, Chilean natives, South American transplants from neighboring countries and visitors from across the world, there was a different consensus among the lot of them. Everyone had someplace else to be. Each person as different as the next. It was peaceful to not catch a news segment, comedy remark, or overhear a conversation about the active politics of the day. It’s overwhelming in the states, needlessly – and more importantly, rampant with misinformation which makes the deluge of politics ripe with uninformed, unintelligent thoughts. 7 days away – I believe I caught a single newspaper that had Trump on the cover and CNN one morning at the hotel mentioning a brief, 2 minute segment. Granted, I wasn’t looking for the conversations or seeking newspapers/tv’s, but still – there was some peace. Friends who have traveled abundantly over the past year to Europe/Canada/others have anecdotally mentioned that as one of the first things that arise in taxis/Ubers/people that become aware of a US citizen in their presence. No such bad luck in Mexico (my layover) or in Chile once I was there. There were more entertaining or productive discussions to be had. I’m sure this is a part of where one can direct a conversation, as well. People should be more cognizant of this, though I’m afraid politics have now dropped into the pantheon of ‘effortless’ conversation along with “how’s the weather?”, “did you see X” and a general “how’s work”?

Hopefully, as people grow and become more successful and comfortable in their lives, they would want to contribute something back – knowledge, money, mentorships and more. Often, there’s a line drawn between impact and how large of one can be made. This is less important, however, than making an impact regardless. We can make an impact in your core community – neighborhood, town or city, business community. Expand that out to affect multiple cities or a region – think Elon with LA’s tunnels, subway/metro/public transportation, bag ordinances or green movements – smart cities will eventually become a larger look as we go forward, as well. Outside of bigger projects like mentioned above, we can start a group or meet-up that gains members from the community in question – contribution of ideas that can go beyond infrastructural concepts.

Thinking larger (but not in the sense that it has to be bigger impact-wise), connection across counties, states, or the nation is important but more difficult to scale. Industries or sectors can be defined and aided by any one group or person that makes an impact beyond the immediate cases and permeates the outreaches from there. Then we have global scales – whether it’s advancing some technology or standard and bringing it to areas that may be impacted greatly with progression. There are tons of examples of all of these scales. People have different passions and shouldn’t be restricted or forced into doing something that doesn’t spark a fire in them to improve their lives (and hopefully, helping some others that they have a connection to in the process).

We live in a world where information is at our fingertips, a swipe and drag away on our phones. Barriers to entry continue to fall across all spectra. Get excited, people! Help yourself to help others.

Some things that I am jumping into and ones that I would love to hear ideas/talk to others about:
– mentorship with high school / college-level students with finding a passion or question ideas for how to progress forward
– a fun application to make it easier to connect local restaurants/bars with customers about their happy hours using OCR / Image-to-text from menu photos to populate database
– starting an investment fund that focuses on avoiding the nearly unavoidable ‘home bias’ as well as matching risk tolerance with proper returns – focusing on international availability and risk profile of uncorrelated assets
– new thought: possible website/application that will take multiple starting points (friends that live apart from each other) meeting at some location / flight destination in between for reasonable prices — multi-optimized Skyscanner/Hopper
– Payments/Vendors/AP/AR organizing software that will reduce burden and difficulty for companies with nontechnical backgrounds / capacity for process to be so intuitive that it won’t require more personnel or capital invested

 

If You’re Not Learning, Are You Getting Better September 24, 2017

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While attempting to grind through a recent valuation project, I spoke with a friend about how we had changed over the years. Change is obviously something that most people experience, but how we reflect is often incredibly different. Some don’t. And to that, I’d say that I feel badly for them. Others do, but maybe not to an extent of “what did I do today – oh, that. Yes” — an acknowledgement more than a reflection. For those that reflect, ponder, and wonder why, or how to fix any occurrence that didn’t agree with them – those people are the ones who truly learn and can push themselves to better.

Learning is not hearing, memorizing, and repeating until information is no longer needed. Seek to learn. Provide yourself with a framework that you can apply the knowledge in, and build questions to hypothesize further in that space. We learn if we’re more interested, obviously, but you can build that interest. Challenge yourself. Honestly, I harp on myself for this, but it is discouraging to see people repeatedly not want to apply or seek knowledge in what they may/may not be interested in.

This all seems appropriate in this instant gratification/click-bait/24/7 news cycle period. Confirmation and recency bias run rampant. Few people question their sources or the information sources provide. When more people are in higher education, critical thinking SHOULD be a focus of almost all institutions, but it apparently falls by the wayside, especially when something agrees with your train of thought. It’s difficult to seek other sources, and even harder to avoid some form of a bias in answers. Everyone forms an opinion. Only through conversation and open discourse can you start to inform yourself of questions and answers in the framework of a solid argument. Then build up!

Presented with new facts that are contrary to what was gathered initially? Review them in the new light but your former framework – seek true results and apply. If the application of new knowledge reveals a new paradigm, then shift your hypothesis. People shouldn’t be wary of changing – invite it if your thought process is rigorous! Without a rigorous argument, though, it won’t matter whether you agree with others or don’t, because you won’t be vital to a conversation for more than 2 minutes unless it’s group-think.

It pains me to see straw man fallacy as a defense mechanism all too often these days. That isn’t worth a breath of counterargument by someone presenting logical context and thoughts. Critical thinking.

People have passions different than others. We are our own individuals at the end of the day. But we accept this. There’s not a single person who can be all-knowing about everything. Even if that were true, priorities wouldn’t align for those individuals with others. Some people focus on health – some people on education, others in finance, businesses. There isn’t a right or a wrong. Problems are rooted in a cause. Ask the questions about the cause. Maybe if that’s agreed upon, then solutions can be gathered, debated and decided upon merit. Throwing solutions at an unknown problem – this is no good. Context can be more important than the solution – otherwise you’re blindly tackling. Using medicine as an example – if you have pain in your arm and go to the general doctor, or let’s say an extreme: arm specialist – then you may get a response of “nothing appears wrong”. However, if you go in saying you’ve eaten unhealthily or had a family tree of cardiac disease, the doctor would hopefully put together that you need to see a cardiologist. I don’t want to go on forever (and I’m aware that this was a very LOOSE example – bear with me).

Context. More information. Questions. More details. Then a decision, an opinion, a solution. Then re-assess. Always be learning.

 

Robo Push Progression August 28, 2017

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With my work in valuation, I have primarily explored the fintech industry and love seeing new companies, ideas and explorations of outdated methods. The next 5-10 years will be instrumental in defining the space for many Gen X entering retirements as well as planning centralized around the largest generation going forward.

Product pushing runs rampant among firms, despite DC’s attempts at regulation geared toward protecting consumers. We need not think very hard to recall the GS issues 8-10 years ago or more recently the WF scandal that ran roughshed over accounts to hit sales numbers. Even if they don’t end up in lawsuits or other sanctions, I cannot help but question fiduciary standards. When consumers are too busy with their own lives/work to be experts in finance/insurance/investing matters, regulations should actually protect them – and fortunately for the financial services industry, the current regulatory actions say that they are protected. Most consumers are none the wiser. Hell, some professionals may not be wise enough to think for themselves about what they’re presenting. Who gets to be responsible for saying that my present self is more or less important than my future self? For an individual on their own, few people are impacted in the present moment if you do not consider time value and future values.

Thankfully, I believe robo-advisers will become a larger part of the future to come. There will be more value in what they present as the new norm: low or no fees, being aware of saving for later, and presenting more knowledge all while staying relatively easy. There is data out there that says most* robo-advisers may not beat the market, but many make investing and saving considerably less stressful/set-and-forget than an individual may feel if doing it on their own.

Even though I don’t see a market beater or a clear winner in the space going forward (just yet), what the COMBINATION of robo-advisers will do is make the whole environment better going forward. Firms are increasingly aware of the impact many fintech companies are presenting to the processes of old and their bottom lines. As a result, consumers should benefit as we go the way of easier access, more knowledge, lower fees and ultimately the best choices. Fintech and financial services affect us all, whether young or old, and consumers shouldn’t have to worry in such high-impact choices.

I’ll continue to follow what I have strong passions for and note key victories or losses!

 

Permabulls Everywhere? – Seek Other Opinions August 5, 2017

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We’re nearly a decade into a bull run. Yellen has continued to repeat her feelings that we should be bullish stocks for a long time. Granted, she’s remained dovish through her tenure as Fed Chair, so it shouldn’t come as a big surprise. However, outside of Dow 22,000, all-time stock highs, P/E’s rising and FANG + TSLA dominating media stories, bond market continues to push south and it seems forever that we’ve seen a healthy pullback, or a pullback of any sort since the start of 2016 (unless you count election morning’s blip).

Low yields seem de-coupled from historical trends – it’s becoming harder to achieve yield there, which would push into higher risk (equities) for larger investors. One point I heard today that was interesting is that companies have already gotten large boosts from the business environment we’ve entered – deregulation and regulatory roll-backs. Estimates put dollars spent on compliance were ever-increasing until the new administration. So, despite fights in health care, insurances, and tax reforms rage on, regulatory environment changing will have major impacts for companies. If we include the bond yields and rate environment, should be a boon for small-caps as investors seek higher returns.

Another thing to watch will be the eventual crash of Venezuela. With its oil exportation, how does that change the landscape, which has stayed range-bound mostly between $42-54. If this squeezes prices higher, that could allow the consolidated space to break out – we’ve seen a band off lows of ~15%+ in the last month alone over OPEC’s decisions. Does this allow some of the beaten-down survivors to further rise – or is there still a wait?

Personally, I increased cash positions in each of my portfolios in lieu of an eventual downturn. Prior – I rode the second half of 2016 and start to 2017 to recuperate that slide at the start of  ’16. From my research, I’ll continue buying emerging markets, weight oil/energy and small caps. Biotechs and the larger cap stocks will be interesting to watch, along with how yields/interest rates turn as we look toward the final 2 quarters of 2017.

DISCLAIMER: These are just my current opinions and do not constitute any advice for any individual. Do your own diligence and form a conclusion thereafter.

Not Everyone Wants to Be a Star July 1, 2017

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This is a concept I’ve wrestled with for a while. The title in particular was a phrase I heard while listening to a segment on the Business XM channel. A gentleman called in and described how he changed from a Fortune 500 management position with org / processes focus to his own bakery and small business. It took him a long while before finally understanding he had to change his management model up for what he was in charge of, and he asked how his employees could be convinced to have further goals. In a moment of thought, the answer turned out to be that the employees had goals – it just wasn’t recognized by his [the owner’s] train of thought in what success was – they [employees] were content and had goals of improving and continuing to do their jobs as well as possible (whether it was a server or line chef, etc…).

Awareness is what this boils down to. Being aware is how we can empathize with one another, regardless of differences in opinions of success, goals or simple styles of work. Some want to rise to the top of their chain in their work – others may want to start a line of business totally unrelated, still others just want to be able to know they can go to work – finish – and come home to do things that they want to do thereafter. In talking with people, you can probably find out which of these types they are in a short conversation. Then, most people will judge, using themselves as the reference. Though it’s almost unavoidable, if more people were aware of this anchor, we can switch our empathy on and wonder – or better, ask – where someone may be looking to achieve.

How one speaks of their work can tell us a lot about them. What drives them to wake up and jump out of bed (or do they not want to)? Going back to the title of the post, I have friends who want to do nothing more than work their 35-40 hours and call it a week. I’m understanding more each week that it’s not their work that drives them – it’s everything else. I can breathe easier because I don’t feel pressured to ask them or push them about that aspect of their lives. And the relationships are better because of that. I believe that is a fascinating dynamic and am usually curious to learn more, but in general, we can do better to understand better spots to inquire further.

More people could use this to determine if friends, colleagues, coworkers or even bosses are stuck in their positions. When life is short but is spent so much time working, that becomes a key driver to how we enjoy ourselves.  And I believe everyone deserves to enjoy what they’re doing, or where they’re attempting to go.

Does anyone think differently here? Do conversations with friends over work annoy others? Is it more about one’s own anxiety that ends up reflecting on people you speak to? I’m curious. Let me know!

 

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