Advice I Would Give My Younger Self

2026-02-24

In my stage of life, I’m enjoying passing along the principles and thoughts that are helping me in order to help others. I’ve been doing that in my books and videos and here on social media, and I love our back-and-forth exchanges. To build on this, I will also be sharing my articles for free on Substack here: https://raydalio.substack.com/ for those readers who prefer that platform.

These articles will be about principles, tools, and what’s going on with life, work, economics, markets, politics, the changing world order, AI, the Big Cycle, and other such things. I look forward to continuing to get your thoughts and discussing these things with you.

#newsletter #raydalio #principles

2026-01-09

My mantra of investing is fifteen good uncorrelated return streams risk balanced. What is yours?

#principles #raydalio #mentor #geopolitics

2025-12-12

When it comes to understanding markets, you need to step back and see the bigger picture. That’s why it’s so important to have a #gameplan for investing and long-term financial investments.

#raydalio #principles #politics #economics

2025-12-08

When an empire runs out of its own money, it is able to increase the supply of money. However, printing more money causes borrowing to increase creating a financial bubble. I urge you to watch “The Changing World Order” on my YouTube channel to understand how, and what it means for all of us.

#principles #raydalio

2025-12-02

This year, I’d encourage you to consider a unique kind of holiday gift — a donation your friends and family can give to the charity of their choice. This kind of gift is far more meaningful, and it’s simple. Anyone can do it.

If you’re interested, check out organizations like TisBest and @donorschooseorg .

I think gifts like these are more in keeping with what the holiday season is really about, so I wanted to pass it along. #redefinegifting #givingtuesday

2025-12-01

In 1979, I was so broke that I had to borrow $4,000 from my Dad to help take care of my family.

I had calculated that American banks had lent much more money to foreign countries than they would be able to pay back, and anticipated an imminent debt crisis.

But I couldn’t have been more wrong. I didn’t fully understand the impacts of quantitative easing, and so I lost money for myself and I lost money for my clients.

Looking back, it was the most painful experience I could imagine — but it was also the best thing that ever happened to me, because it taught me humility.

2025-11-21

The most important thing is that you have the life that you want to have. So, how you define success is important. There isn’t one path that’s right for everyone.

I was lucky in the sense that I fell in love with markets and playing the investment the game, which is what I’ve done for 50 years.

I recommend that people think about their own nature and what game they’d love to spend years playing. It’s okay to explore different paths—not everyone knows right away. Think of your journey as a process of discovery.

If you’re interested, you can find my full conversation with Bloomberg here. We discussed life, debt, global crisis, and the importance of investing in our oceans:

2025-10-23

In the late 1970’s, I calculated that we were going to have a global debt default. I was so confident in what that meant for the markets that I went to Congress to share my perspective.

I couldn’t have been more wrong. While several countries defaulted on their debt, the impact on markets was the opposite of what I expected.

And I lost a lot of money — for me and for my clients. I had to let all of my employees go.

But it was the best experience that ever happened to me because it taught me that pain + reflection = progress.

And it taught me three lessons that became the foundation of Bridgewater’s success.

1) It gave me humility — the fear of being wrong was so strong that I had to always ask, “How do I know I’m right?”

2) It taught me the power of diversification — and how 15