Sezgin Ismailov

For most of my life, I believed that understanding money was a matter of IQ. Become smarter, learn the formulas, master the spreadsheets, and success will follow. I couldn't have been more wrong. If financial success were just about math, we’d all be millionaires. We have access to centuries of market data, sophisticated algorithms, and endless free advice. Nevertheless, people who are statistically brilliant (engineers, doctors, actuaries) often make astonishingly poor financial decisions. Why? This problem is due to the fact that managing money is not an exact science. It's behavior. Morgan Housel’s brilliant book, The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness, is not a "how-to" guide filled with stock tips. It's a deep, insightful dive into the messy, irrational dynamics that truly dictate our financial outcomes. If you’re looking for the ultimate guide to thinking differently about your savings, investments, and spending habits—this...

 If you've ever scrolled through Instagram, you've likely come across a glossy photo of someone "crushing it" accompanied by a caption that echoes, "Success depends on taking responsibility for your mistakes and focusing on your goal."  Yet, for most of us, those two tiny clauses seem like a daunting task. “Taking responsibility for your mistakes”—The Power of the Oops Moment. Why does this matter? When you assign blame to others, such as your boss, the market, or the coffee machine, you are essentially relinquishing control over your life. The moment you own a slip‑up, you instantly become two things: Control—You decide what the next move is. Learning—mistakes become data points instead of dead ends. Everyday example: The missed deadline Imagine you’re a freelancer and you turn in a project two days late Ownership route: “I misjudged the scope and didn’t buffer enough time.” What changes? In the first scenario, you wasted energy defending yourself. In the s...

It's a universal fantasy, often painted with scenes of absolute comfort and freedom. But what if the desire goes beyond merely accumulating wealth? What if it's about having more? That's the provocative question posed by the 19th-century philosopher John Stuart Mill: "People would rather not be rich; people want to be richer than others." At first glance, this Mill quote may sound cynical, even dismissive of true ambition. But it is strikingly true, especially in our modern world. Imagine someone who has enough to live comfortably, free of debt, and able to afford a lovely home, nutritious food, occasional holidays, and reliable healthcare. By many objective standards, this person is rich—at least relatively speaking compared to the majority of the global population. However, many individuals in this position still yearn for more. Why? Mill suggests it's because our definition of "rich" isn't a fixed, internal metric. It's an ever-shifting be...

I recently was browsing through my book titled “ The Wealth in the Great Kingdom” (an exceptionally engaging read, by the way!). and decided to analyze the quote. We all know it to some extent.” Think about it. Not because you didn’t want it, but because the “what if” monster has reared its ugly head? What if I try to start a side business and no one buys anything? What if the office mocks my request for a promotion? What if I enroll in that art class and my drawing resembles a toddler’s scribble? What if I start this blog (meta, I know!) and no one reads it? This fear of failure is more than just a bothersome voice; it truly stifles our potential. It stops us from even trying to do things that are explicitly good for us or deeply rooted in our hearts. And here’s the thing: It’s not just about grand, life-changing dreams. It’s also about the smaller, everyday things that could make a big difference in our lives. Asking for help, setting boundaries, taking a different route to work, try...

Have you ever wondered what separates those who constantly put themselves out there from those who are always one step ahead and those who seem to understand life on a deeper level? We often throw around terms like "stupid," "smart," and "wise" quite loosely, but there's a fascinating distinction that goes far beyond just IQ. "A stupid person doesn't accept mistakes." Now, I'm not talking about someone who struggles with complex math, because that's just a skill gap or a different kind of intelligence. I'm talking about someone who keeps making the same beginner's mistakes, over and over again. You know the type: touches a hot stove, burns their hand, and five minutes later reaches for it again, genuinely surprised that it's still hot. Or he falls for the same phishing email, even after you’ve explained it to him three times. It’s not a lack of information; it’s a complete failure to learn from experience or simply a c...

This week I had the idea to jot down a few lines about the quote from The Wealth of the Great Kingdom—"The only problem with a person who always finds fault with another is because of their weakness"—it's really different, isn't it? It’s one of those lines that makes you think, “Yeah, that explains a lot.” The quote's simplicity belies its profound depth. When we talk about someone who “always finds fault with another,” we’re not just talking about a one-time complaint or a valid complaint. We’re talking about someone who seems to have a built-in flaw radar, constantly pointing out what’s wrong with everyone else—their choices, their appearance, their work, and their life in general. It’s a pattern, almost a compulsion. The quote states that the only issue with this behavior is their "own weakness." Aww. However, it's also quite cleverly said. It’s not about the person they’re criticizing; it’s about the critic themselves. These “weaknesses” do not n...

 Have you ever paused to consider, "Am I truly making progress here?" It's a common thought, particularly when life seems like a never-ending cycle. We're often told progress equals a bigger title, a fatter salary, or a fancier car. And sure, those can be signs. However, what constitutes genuine, deep-rooted progress? That often looks a little different, and honestly, a lot more personal. How can you determine if you have advanced? For a moment, let's set aside the conventional scorecard and examine some authentic signs that you're not merely drifting aimlessly but genuinely creating a life you cherish.  Your financial situation feels less stressful. Okay, let's be real, money isn't everything. But having enough money and using it wisely is a giant freedom. Think back a few years. Were you constantly sweating over bills? Were you constantly balancing your rent and groceries? A sign of progress: You're not just getting by; you're building a buff...