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Compound Interest

Epidemiology: Everything Turns on One Number Crossing One

July 25, 2026·8 min read

If each case produces more than one further case, an outbreak grows; below one, it fades. That threshold is simple — and almost everything else about the subject is context-dependent.

Amara's Law: Too Much in Two Years, Too Little in Twenty

July 25, 2026·8 min read

The same technology gets overestimated early and underestimated late. Both errors come from drawing a straight line through something that is slow first and rapid afterwards.

Neuroscience: The Brain Rearranges Itself Around What You Do

July 25, 2026·8 min read

The computer analogy breaks down at the most important point — the hardware physically changes with use. That single property explains most of what is practically known about learning.

Longevity and Health: The Big Effects Are the Ones Nobody Sells

July 25, 2026·9 min read

The interventions with the largest effects have been known for decades and are unglamorous. Attention flows almost inversely to effect size, for a simple reason — the big ones cannot be sold.

Personal Finance: The Boring Part Is the Part That Works

July 25, 2026·8 min read

Most attention goes to choosing investments — the part you control least and that matters least. Saving rate, time, and costs decide the outcome, and all three are dull.

Half-Life: Why the Last Bit Takes So Long to Go

July 25, 2026·9 min read

An afternoon coffee still has an eighth of its caffeine in you the next morning. Anything that loses a constant proportion per period behaves this way — including skills and knowledge.

Opportunity Cost: The Free Ticket That Costs You an Evening

July 25, 2026·9 min read

Money spent arrives with a bill. The alternative you silently rejected never does — which is why we count one half of every decision carefully and the other half not at all.

Compound Interest: The Pond Was Empty Until It Wasn't

July 24, 2026·8 min read

A lily pad covering a pond on day thirty covered half of it on day twenty-nine. Nothing about its growth changed — only the base it grew from. Human intuition fails at this reliably and expensively.

Technical Debt: The Loan Nobody Remembers Taking

July 24, 2026·9 min read

Cunningham's metaphor was never about bad code. It was about a rational trade — ship now, pay interest later — and the interest is levied on every future change you make.

Markets: A Price Is a Bet, Not a Measurement

July 24, 2026·9 min read

A company posts record profits and the share price falls. That stops looking irrational once you see that a price already contains what everyone expected — and moves only on the difference.