{"id":100340,"date":"2025-02-20T23:22:18","date_gmt":"2025-02-20T23:22:18","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/the-man-who-never-looked-up\/"},"modified":"2025-02-20T23:22:18","modified_gmt":"2025-02-20T23:22:18","slug":"the-man-who-never-looked-up","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=100340","title":{"rendered":"The Man Who Never Looked Up"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group__inner-container\">\n<p><em>Before the article, here\u2019s what\u2019s happening this week on our podcast, <\/em><strong><em>Personal Finance for Long-Term Investors<\/em><\/strong><em>:<\/em><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<\/div>\n<\/div>\n<p>I\u2019m reading Morgan Housel\u2019s recent book, <em><strong><a href=\"https:\/\/amzn.to\/3D0Zxdr\">Same as Ever<\/a><\/strong><\/em>,\u00a0right now. One of the chapters is called \u201cBest Story Wins.\u201d\u00a0<\/p>\n<blockquote class=\"wp-block-quote\">\n<p>[While I\u2019m not sure it\u2019s word-for-word the same, this chapter can be read (for free) via Morgan\u2019s blog:\u00a0<a href=\"https:\/\/collabfund.com\/blog\/story\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/collabfund.com\/blog\/story\/<\/a>]<\/p>\n<\/blockquote>\n<p>Housel\u2019s idea is fascinating \u2013 and probably makes sense to us all. The takeaway\u00a0is that humans <em>promote<\/em>\u00a0or <em>discount<\/em>\u00a0particular ideas simply because of the <strong>story<\/strong>\u00a0told around that idea.\u00a0We <strong>ignore<\/strong> some\u00a0<strong>great\u00a0<\/strong>ideas because of a bad story. And we <strong>promote <\/strong>some <strong>terrible <\/strong>ideas because of a good story. Housel challenges us readers to ask in on our lives:\u00a0<\/p>\n<ul>\n<li>Who has the right answer, but I ignore it because they are inarticulate?\u00a0<\/li>\n<li>And what do I believe is true, but is it just good marketing?<\/li>\n<\/ul>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"748\" height=\"579\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-6.png\" alt=\"\" class=\"wp-image-53257\" style=\"width:551px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-6.png 748w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-6-300x232.png 300w\" sizes=\"(max-width: 748px) 100vw, 748px\"\/><figcaption class=\"wp-element-caption\">Be wary of \u201cgood stories\u201d<\/figcaption><\/figure>\n<\/div>\n<p>I immediately thought of one of my former engineering colleagues. <\/p>\n<p>In our early years working together, I saw him as quirky, obtuse, at times unprofessional, and an overall oddball.\u00a0Over time, though, I realized:\u00a0while all those things were still true, he was <em>also<\/em>\u00a0one of the smartest people in the room \u2013 in <em>every<\/em> room.\u00a0<\/p>\n<p>Now, call me a jerk, but I think the average person confounds \u201cquirky\u201d with \u201cintelligent.\u201d As in, <em>\u201cShe\u2019s so strange\u2026she must be a genius or something.\u201d<\/em>\u00a0No, no, no. Just because someone is weird enough to memorize Wikipedia doesn\u2019t make them intelligent. Hollywood might have taught us to correlate \u201cweird\u201d with \u201csmart,\u201d but I don\u2019t buy it.\u00a0<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"986\" height=\"1024\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-3-986x1024.png\" alt=\"\" class=\"wp-image-53252\" style=\"width:548px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-3-986x1024.png 986w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-3-289x300.png 289w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-3-768x797.png 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-3.png 1250w\" sizes=\"auto, (max-width: 986px) 100vw, 986px\"\/><\/figure>\n<\/div>\n<p>This former coworker, though \u2013 I know enough to know he was <em>genuinely<\/em>\u00a0brilliant and coincidentally <em>also<\/em>\u00a0quirky.\u00a0<\/p>\n<p>But here\u2019s the problem he faced: 99% of our shared colleagues, customers, stakeholders, etc., could not get past the strange exterior to see, understand, and appreciate the genius underneath. His \u201cstory\u201d\u2014the way he presented himself\u2014was a perfect example of Housel\u2019s idea that a bad story can discount a terrific idea.\u00a0Nobody took him as seriously as they should have. <\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"482\" height=\"619\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-4.png\" alt=\"\" class=\"wp-image-53253\" style=\"width:257px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-4.png 482w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-4-234x300.png 234w\" sizes=\"auto, (max-width: 482px) 100vw, 482px\"\/><figcaption class=\"wp-element-caption\">Though sometimes \u201cweird\u201d has its benefits\u2026<\/figcaption><\/figure>\n<\/div>\n<p>I thought of this idea again recently when one of my clients emailed me an insurance pitch they received. The video featured an affable, well-dressed, well-spoken insurance sales guy. He explained, to paraphrase, the untold <strong>downsides<\/strong> of all traditional retirement investing (e.g. everything I talk about here) while preaching the incredible upsides of his indexed universal life insurance.\u00a0<\/p>\n<p><em>All the upside, none of the downside, <strong>and<\/strong>\u00a0a free steak just to attend your seminar?!\u00a0<\/em><\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"180\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-5.png\" alt=\"\" class=\"wp-image-53254\" style=\"width:442px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-5.png 320w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-5-300x169.png 300w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\"\/><figcaption class=\"wp-element-caption\">\u2026woof<\/figcaption><\/figure>\n<\/div>\n<p>It was a <strong>great<\/strong> story. Delivered smooth as Irish butter. <\/p>\n<p>I\u2019ve seen these pitches before. The math they use is patently untrue. The language they choose is overly emotional, stirring up the audience\u2019s deep fears (<a href=\"https:\/\/bestinterest.blog\/rich-wolf-poor-sheep\/\"><em>\u201cIf I can scare you, I can sell to you\u201d<\/em><\/a>).\u00a0<\/p>\n<p>But to the unknowing outside viewer, I\u2019m sure this insurance pitch\u00a0works! <strong>It\u2019s a good story!<\/strong>\u00a0Is it dishonest? Of course. And if a viewer sees through the lie, the jig is up. But until that point, it seems like a conversation worth continuing. And looking at the size of the Big Insurance, there\u2019s no shortage of people having that conversation. <\/p>\n<p>Meanwhile, what\u2019s going on my side of the \u201cfinancial industry\u201d? <\/p>\n<p>The smart, long-term financial planning principles we discuss here are immensely valuable. And I think the stories I share here and on the <a href=\"https:\/\/bestinterest.blog\/personal-finance-for-long-term-investors\/\">podcast <\/a>add some spice and flavor to the topic. <\/p>\n<p>But is it exciting?! Or is it a little boring, repetitive, and lacking a \u201cbogeyman\u201d to fear? <\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"361\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-7.png\" alt=\"\" class=\"wp-image-53259\" style=\"width:509px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-7.png 640w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-7-300x169.png 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\"\/><\/figure>\n<\/div>\n<p>So I\u2019d like to present to you:  <strong>The Man Who Never Looked Up<\/strong><\/p>\n<h2 class=\"wp-block-heading\"><strong>\u201cThe Man Who Never Looked Up\u201d<\/strong><\/h2>\n<p>Ryan had a plan. Or so he thought.<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1880\" height=\"1253\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/pexels-photo-1212984.jpeg\" alt=\"close up photography of man wearing sunglasses\" class=\"wp-image-53264\" style=\"width:347px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/pexels-photo-1212984.jpeg 1880w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/pexels-photo-1212984-300x200.jpeg 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/pexels-photo-1212984-1024x682.jpeg 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/pexels-photo-1212984-768x512.jpeg 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/pexels-photo-1212984-1536x1024.jpeg 1536w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/pexels-photo-1212984-930x620.jpeg 930w\" sizes=\"auto, (max-width: 1880px) 100vw, 1880px\"\/><\/figure>\n<\/div>\n<p>Work hard. Earn more. Save later.<\/p>\n<p>He wasn\u2019t <em>irresponsible<\/em>\u2014he paid his bills, avoided credit card debt, even put a little in his 401(k). But retirement? That was a problem for \u201cfuture Ryan.\u201d<\/p>\n<p>For now, he had bigger things to focus on: the next promotion, the next house upgrade, the next family vacation.<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"250\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-8.png\" alt=\"\" class=\"wp-image-53260\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-8.png 350w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/image-8-300x214.png 300w\" sizes=\"auto, (max-width: 350px) 100vw, 350px\"\/><\/figure>\n<\/div>\n<p>So he kept his head down. Grinding. Hustling. Living in the moment.<\/p>\n<p>And then one day, he looked up.<\/p>\n<p>He was 55. Retirement wasn\u2019t some distant concept anymore\u2014it was right there, staring him in the face.<\/p>\n<p>But he wasn\u2019t ready.<\/p>\n<ul>\n<li>His savings? Not nearly enough.<\/li>\n<li>His investments? Scattered, inconsistent.<\/li>\n<li>His timeline? Pushed back\u2026 again.<\/li>\n<\/ul>\n<p>Ryan had done what so many people do\u2014he spent decades focused on the next step, never stopping to see the big picture. Never looking up.<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1880\" height=\"1251\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/pexels-photo-3361483.jpeg\" alt=\"iphone on notebook\" class=\"wp-image-53265\" style=\"width:415px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/pexels-photo-3361483.jpeg 1880w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/pexels-photo-3361483-300x200.jpeg 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/pexels-photo-3361483-1024x681.jpeg 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/pexels-photo-3361483-768x511.jpeg 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/pexels-photo-3361483-1536x1022.jpeg 1536w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2025\/02\/pexels-photo-3361483-930x620.jpeg 930w\" sizes=\"auto, (max-width: 1880px) 100vw, 1880px\"\/><\/figure>\n<\/div>\n<p>What if he had started sooner?<\/p>\n<ul>\n<li><strong>Invested consistently<\/strong>\u2014so time, not effort, did the heavy lifting.<\/li>\n<li><strong>Built a real plan<\/strong>\u2014so his future wasn\u2019t just a vague idea.<\/li>\n<li><strong>Optimized his choices<\/strong>\u2014so he kept more of what he earned.<\/li>\n<\/ul>\n<p>The truth about retirement isn\u2019t complicated: <strong>You don\u2019t drift into it. You plan for it.<\/strong><\/p>\n<p>Because someday, you\u2019ll look up.<\/p>\n<p>The only question is whether you\u2019ll like what you see.<\/p>\n<p>~~Fin~~<\/p>\n<p>Thank you for reading! If you enjoyed this article, join <a href=\"https:\/\/bestinterest.blog\/subscribe\/\"><strong>8500+ subscribers<\/strong><\/a> who read my 2-minute weekly email, where I send you links to the smartest financial content I find online every week. You can <a href=\"https:\/\/us17.campaign-archive.com\/home\/?u=3fbae214bd0b124c6d543d7cf&amp;id=7dc2dd2c91\"><strong>read past newsletters<\/strong><\/a> before signing up.<\/p>\n<p>On that note, our podcast <em><strong><a href=\"https:\/\/bestinterest.blog\/personal-finance-for-long-term-investors\/\">\u201cPersonal Finance for Long-Term Investors\u201d<\/a><\/strong><\/em> is by far outpacing this written blog. <strong><a href=\"https:\/\/podcasts.apple.com\/us\/podcast\/the-best-interest-personal-finance-for-long-term-investors\/id1553180943\">Tune in and check it out.<\/a>   <\/strong><\/p>\n<p>-Jesse<\/p>\n<p><em>Want to learn more about <strong>The Best Interest\u2019s<\/strong> back story?<\/em> <a href=\"https:\/\/bestinterest.blog\/about\/\">Read here<\/a>. <\/p>\n<p>Was this post worth sharing? Click the buttons below to share!<\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Before the article, here\u2019s what\u2019s happening this week on our podcast, Personal Finance for Long-Term Investors: I\u2019m reading Morgan Housel\u2019s recent book, Same as Ever,\u00a0right now. One of the chapters is called \u201cBest Story Wins.\u201d\u00a0 [While I\u2019m not sure it\u2019s word-for-word the same, this chapter can be read (for free) via Morgan\u2019s blog:\u00a0https:\/\/collabfund.com\/blog\/story\/] Housel\u2019s idea [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":100341,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[46729,385],"dealstore":[],"offerexpiration":[],"class_list":["post-100340","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-looked","tag-man"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Man Who Never Looked Up - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=100340\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Man Who Never Looked Up - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Before the article, here\u2019s what\u2019s happening this week on our podcast, Personal Finance for Long-Term Investors: I\u2019m reading Morgan Housel\u2019s recent book, Same as Ever,\u00a0right now. One of the chapters is called \u201cBest Story Wins.\u201d\u00a0 [While I\u2019m not sure it\u2019s word-for-word the same, this chapter can be read (for free) via Morgan\u2019s blog:\u00a0https:\/\/collabfund.com\/blog\/story\/] Housel\u2019s idea [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fivemor.com\/?p=100340\" \/>\n<meta property=\"og:site_name\" content=\"Som2ny Network\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-20T23:22:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/02\/pexels-photo-1478685.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1880\" \/>\n\t<meta property=\"og:image:height\" content=\"1249\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/fivemor.com\/?p=100340#article\",\"isPartOf\":{\"@id\":\"https:\/\/fivemor.com\/?p=100340\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371\"},\"headline\":\"The Man Who Never Looked Up\",\"datePublished\":\"2025-02-20T23:22:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/fivemor.com\/?p=100340\"},\"wordCount\":942,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/fivemor.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/fivemor.com\/?p=100340#primaryimage\"},\"thumbnailUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/02\/pexels-photo-1478685.jpeg\",\"keywords\":[\"Looked\",\"Man\"],\"articleSection\":[\"Finance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/fivemor.com\/?p=100340#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fivemor.com\/?p=100340\",\"url\":\"https:\/\/fivemor.com\/?p=100340\",\"name\":\"The Man Who Never Looked Up - 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