Charlie Munger quotes

🪴 TransplantLast updated Tuesday, February 17, 2026.

“Incentives drive motivation.”

Charlie Munger

  • Align incentives to outcomes, not effort

“When you mix raisins with turds, you still have turds.”

Charlie Munger

  • Leverage is always risky. Be very careful of large amounts of leverage especially when the chances of success only depends on the leverage
  • Leverage (debt) and envy is a lethal combination
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This is a transplant — someone else's idea, poem, or words that resonated with me.