Reading list

What I am reading

Books I am working through on finance and investing. For each one, what it actually argues, and the one thing that changed how I think. Not summaries for their own sake.

A Random Walk Down Wall Street

Burton Malkiel · 2023 edition · Read June 2026

Malkiel makes the case for efficient markets: the idea that a stock's price already reflects the information available about the company, so consistently picking winners or timing the market is far harder than it looks. If the price already accounts for what is known, then most of the effort spent trying to beat the market is wasted.

From there he argues for low-cost index investing. Rather than paying active managers who try to outperform, he shows that over long stretches a simple, broad, low-fee index fund tends to beat most actively managed strategies once costs are taken out.

Biggest takeaway

The book put words to something I had just lived. Malkiel's core argument is that trying to predict short-term market direction is mostly a losing game: prices already reflect the information that is out there, so nobody calls those moves reliably. That is exactly where my NQ trade on April 8 went wrong. I tried to time a bounce in the middle of a one-directional sell-off, which was really a bet that I could call a short-term reversal. What this book made clear is that betting against a strong trend without real confirmation is closer to guessing than investing. A more patient approach, waiting for a confirmed setup instead of guessing at the turn, would have kept me out of that trade in the first place.

The One-Page Financial Plan

Carl Richards · Read June 2026

Richards argues that most financial planning fails because it is too complicated. The elaborate spreadsheets and long projections look rigorous, but people rarely follow through on them, so in the end they do not matter.

His fix is to strip a plan down to what actually matters to the specific person: their real goals and the few decisions that move them toward those goals. If it does not fit on one page, it is probably more detail than anyone will use.

Biggest takeaway

My biggest takeaway is that a financial plan does not need to be complicated to be effective. That landed harder because of my own experience building a mock plan in RightCapital during my shadowing. The software threw a lot of terminology and detail at me right away, enough that I had to stop and look up what several terms actually meant before I could plan accurately for the couple I was working on. That made Richards' argument feel real instead of theoretical. If a tool built for financial professionals can feel that dense to someone trying to learn it, it is easy to see why so many people never really engage with their own plan. The whole point of getting it down to one page is making sure the plan is something a person will actually use, not something that sits there looking impressive.