Ray Dalio Reflects on 2025

2026-01-12

A lot of you have asked, how am I training my digital twin?

The AI version of me is being fed a lot of data — my principles, books, interviews, and more. That way, it can think through things on its own, and respond the way I would likely respond.

I’m also going through a manual process of checking the answers it’s giving to see if it’s what I would actually say. I’m thankful to have great people helping me in that process, as it requires a lot of effort.

I hope you’ll try it out at the link below and let me know what you think.

https://bit.ly/4a54Si9

2025-12-30

On New Year’s Eve, my family members and I go around the table and reflect on our past year’s resolutions. How do you make your New Year’s resolution? How do you stay accountable?

#principles #raydalio #newyears

2025-11-29

Trying to figure out your holiday gift giving this year? I have a great suggestion for you.

There are organizations like @TisBestCards and @donorschooseorg that will give a donation to your recipient’s favorite charity, on your behalf.

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

2025-11-10

Don’t just react to pain — reflect on it. To overcome any obstacle, you must think deeply about how reality works and develop principles to guide your actions. That’s the only way to learn from your mistakes so you don’t repeat them. The pain is the signal! @TheDiaryOfACEO

2025-09-18

Ultimately, it all comes back to supply and demand.

Debt costs are higher in the UK than in the US because the British pound is no longer a reserve currency. It’s not an effective storeholder of wealth because people aren’t transacting in it like they do with US dollars.

Since many people around the world transact in dollars, that increases the demand and ultimately helps when it comes to servicing debt. @MasterInvestorChannel

You can watch the full conversation here: ?si=1nUp9HME9GFIrC95

2025-09-17

The increasing political polarization we’re seeing today isn’t anything new. It’s similar to what we saw in the 1930s, and it’s even something Plato wrote about a couple thousand years ago.

In democracies, people vote for their interests. And since people generally want more, politicians want to give it to them — and are willing to go into debt to make that happen.

Ultimately, things reach a breaking point where discipline is needed. People want somebody to get control of the government and make it work well.

But there are two versions as to who that somebody is.

In the 1930s, this led to the rise of fascism (for people who wanted a strong leader to lead a command economy) and communism (for people who wanted to redistribute opportunities).

Inevitably, these two clashing visions

2025-08-11

My view is that buying and holding real estate is not an effective investment strategy in our current economic environment, for a few reasons.

1) Real estate is more interest rate sensitive than it is inflation sensitive, so given our current circumstances it is likely to go down in real terms

2) It is a fixed asset that is easy to tax, which limits its impacts on your ability to diversify

3) Real estate is nailed down, so investing in it makes it more difficult to move money from one place to another

That’s my view, in a nutshell. I’m curious to hear if you agree.

#GovernmentDebt #debt #principles

2025-08-06

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