The best investment is investing in yourself.

To get what you want, the most reliable way is to make yourself worthy of it.

Munger believes that if a person's ability, character, or cognitive level does not match the wealth they possess, then these things will eventually be lost in various ways. This is the so-called "money earned by luck will be lost by strength." Luck is uncontrollable, but "making yourself worthy" is the only variable you can actively control.