The Weekly Deposit
Welcome to the world of my opinions about money, leadership, banking, and business.
New Posts Every Thursday.
By Noah Cisneros
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Letting Them Lose Might Be the Most Important Lesson Most parents think teaching kids about money starts with allowance. It doesn’t. It starts with a harder question: Are you willing to let your kids lose? Because if you’re not, you’re not teaching them money. You’re teaching them dependence. We Don’t Raise Kids. We Raise Future…
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Who do you consider “rich”? The top 1% of earners?If so, which 1%? To be in the global top 1%, you only need to make ~$34,000/year (as of 4.2.26). So why do we define “rich” as anyone who earns more than we do? Why is our focus always upward, on those ahead of us? Maybe…
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One of the most historically proven, reliable, risk-adjusted, and consistent ways to earn income is the good ol’ J.O.B. Full-time employment often gets a bad rap when it comes to building wealth, but it is an engine designed to support the average individual with an average level of competence. This is key to understanding the…
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What matters more: cash flow flexibility or asset value protection? Many business models that experience heavy seasonality operate with tight cash flow cycles. To stay liquid, they often leverage assets as collateral. Others generate strong, consistent cash flow but carry high-value assets that must be protected from risk. In both cases, a constant tradeoff exists:…
- Decisions Create SystemsDecisions Create Systems There are two ways to make decisions: speculation and data. Intuition, justified… Read more: Decisions Create Systems
- Don’t Borrow Low RatesDon’t Borrow Low Rates Let’s start with the basics. What are interest rates? Interest rates… Read more: Don’t Borrow Low Rates
- Creating Wealth ≠ Managing WealthCreating Wealth ≠ Managing Wealth I’ve recently read the book A Simple Path to Wealth,… Read more: Creating Wealth ≠ Managing Wealth
- MLM = Must Lose MoneyMLM = Must Lose Money Imagine you are enjoying a casual trip to your local… Read more: MLM = Must Lose Money
- Married On a Lunch BreakI am privileged to have had grandparents and great grandparents who understood the value of… Read more: Married On a Lunch Break
- Do Not Stay In the Water“You don’t drown by being in water; you drown by staying there.” – unknown Debt… Read more: Do Not Stay In the Water
- More Bets > Big BetsRisk Frequency > Risk Volume It’s not about taking bigger risks. It’s about taking more… Read more: More Bets > Big Bets
- Knowing Which Lever to Pull, and WhenWhat matters more: cash flow flexibility or asset value protection? Many business models that experience… Read more: Knowing Which Lever to Pull, and When
- Remaining Stable During Rapid Innovation & ChangeOne of the most historically proven, reliable, risk-adjusted, and consistent ways to earn income is… Read more: Remaining Stable During Rapid Innovation & Change
- Net Worth ≠ Self-WorthWho do you consider “rich”? The top 1% of earners?If so, which 1%? To be… Read more: Net Worth ≠ Self-Worth
- Teaching Kids to SaveLetting Them Lose Might Be the Most Important Lesson Most parents think teaching kids about… Read more: Teaching Kids to Save
Noah Cisneros 