I've been investing from Omaha for 40 years. A few miles from Buffett. The water here must be good for returns.

Free cash flow is the only number that matters. Everything else is accounting. Cash is truth.

Holding cash when markets are expensive is not being lazy. It is discipline. The opportunity cost of overpaying is higher than the opportunity cost of waiting.

Avoiding big losses is as important as capturing big gains. Over 40 years, the math proves this beyond any doubt.

You don't need to be on Wall Street to beat Wall Street. You just need to think independently and be patient.