Jeff Bezos once said there are different kinds of smart. Distinguishing the various flavors is important because if you think smarts comes in just one form, you’ll miss dozens of other nuanced varieties.

BS is the same. It comes in countless forms, some harder to spot than others. False modesty, projecting, double standards, hypocrisy, tugging at heartstrings – these aren’t lies; they’re subtle forms of BS which is why they’re so prevalent.

A few important money and life topics to make you ponder.

"Nature is not in a hurry, yet everything is accomplished,” said Chinese philosopher Lao Tzu.

Giant sequoias, advanced organisms, towering mountains – it builds the most jaw-dropping features of the universe. And it does so silently, where growth is almost never visible right now but staggering over long periods of time.

It’s quiet compounding, and it’s a wonder to see.

I like the idea of quietly compounding your money. Just like in nature, it’s where you’ll find the most impressive results.

My deepest forecasting belief is that you can better understand the future if you focus on the behaviors that never change instead of the events that might.

And those behaviors have a common denominator: They follow the path of least resistance of people trying to simplify a complex world into a few stories that make sense and make them feel good about themselves.

Simple stories, feel-good stories. Those are some of history’s most seductive beliefs, and they always will be.

Here are a few that stick out.

The most productive work you can do often looks like the laziest -- but it can be hard to accept that because of how the workplace has changed over the last 100 years.

Every great idea can be taken too far.

Take the notion that investors should ignore the short run.

It's important to recognize that the long run is just a collection of short runs, and capturing long-term growth means managing the short run effectively enough to ensure you can stick around for a long time.

I wrote letters to both of my kids the day before they were born.

Here's what I wanted them to know about money.

And even if you don't have, or want, kids, I think you'll find this helpful.

Hacks are hard because shortcuts rarely exist. Prizes take time and effort.

The personal finance industry – filled with advice that sounds and feels good without moving the needle – needs to recognize this.

These aren’t fun hacks, but no one said this was easy.