A Changed Mind · A Changed Life
Free Field Guide

Before any money decision, I ask these five questions.

The 5 mental models I use to think like a wealth builder instead of a consumer — the calm, Munger & Buffett way. No hype, no jargon. About thirty seconds a decision.

Most people decide about money quickly, by feel, and a little late.

A wealth builder pauses and asks a few quiet questions first. That single habit — not income, not luck — is most of the difference. This short guide is those questions, drawn from how Charlie Munger and Warren Buffett actually think.

  • 01InversionSpot the most likely way it goes wrong — before you commit.
  • 02Opportunity CostSee what that same dollar could really become.
  • 03Circle of CompetenceKnow what you actually understand — and what you don't yet.
  • 04CompoundingProtect the things that are quietly growing.
  • 05Margin of SafetyMake sure a wrong call can dent you, but never break you.

Plus a one-page checklist to keep where you'll see it — run it before you spend, borrow, or invest.

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From Mr. Ervans

I spent years on the road studying how the best investors think, and now I document the move from consumer to wealth builder — in the open, one week at a time. This guide is where I'd tell anyone to start.