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The Almanack of Naval Ravikant: Buy The Book Now!
January 12, 2022

Table of Contents


Buy the book now! Yes, right now! The Almanack of Naval Ravikant is an incredible book packed with tons of wisdom on:

  • Differences between wealth and money
  • Being free
  • Using leverage to create wealth
  • A mental model for happiness

The Almanack of Naval Ravikant
The Almanack of Naval Ravikant

I told my friends about the book, I told my co-workers about the book, and now I’m telling you!I bought my copy on Amazon and you can also read it for free at navalmanack.com. You can follow Naval on Twitter @Naval and at nav.al.

You might enjoy these other blogs on real-world philosophy:

Wealth vs Money

One of my favorite ideas in the Almanack is distinguishing wealth and money. Here’s Naval:

Money is how we transfer wealth. Money is social credits. It is the ability to have credits and debits of other people’s time.

Wealth is the thing you want. Wealth is assets that earn while you sleep. Wealth is the factory, the robots, cranking out things. Wealth is the computer program that’s running at night, serving other customers. Wealth is even money in the bank that is being reinvested into other assets, and into other businesses.

So, my definition of wealth is much more businesses and assets that can earn while you sleep.


For the longest time I considered wealth to be a collection of large sums of money, but this definition is much more powerful. Putting the concept in my own words: money is a tool, and wealth is a system for getting more money.

Love of Money

Can we all agree that we would prefer to have more money than less money, all things considered? But be careful! Naval speaks to this:

Money is not the root of all evil; there’s nothing evil about it. But the lust for money is bad. The lust for money is not bad in a social sense. It’s not bad in the sense of “you’re a bad person for lusting for money.” It’s bad for you.

Lusting for money is bad for us because it is a bottomless pit.

The punishment for the love of money is delivered at the same time as the money. As you make money, you just want even more, and you become paranoid and fearful of losing what you do have. There’s no free lunch.


Naval alludes to 1 Timothy 6:10, which makes the same point:

For the love of money is a root of all kinds of evils. It is through this craving that some have wandered away from the faith and pierced themselves with many pangs.

1 Timothy 6:10 (ESV)


Naval has identified money is a tool and that loving money is bad for you, yet you should pursue wealth. Why?

What you really want is freedom. You want freedom from your money problems, right? … Once you can solve your money problems, either by lowering your lifestyle or by making enough money, you want to retire.

Retirement is when you stop sacrificing today for an imaginary tomorrow. When today is complete, in an of itself, you’re retired.


Whenever you can in life, optimize for independence rather than pay.



How do you create wealth? Through leverage:

We live in an age of infinite leverage, and the economic rewards for genuine intellectual curiosity have never been higher.


There are three broad classes of leverage:

One form of leverage is labor – other humans working for you. … I would argue this is the worst form of leverage you could possibly use. Managing other people is incredibly messy.

Money is a good form of leverage. It means every time you make a decision, you multiply it with money.

The final form of leverage is brand new – the most democratic form. It is “products with no marginal cost of replication.” This includes books, media, movies and code. Code is probably the most powerful form of permissionless leverage. All you need is a computer – you don’t need anyone’s permission.



Money is good, but we shouldn’t love money. We want to use leverage to create wealth to make us free. What else is there? Happiness:

Happiness is there when you remove the sense of something missing in your life.

To me, happiness is not about positive thoughts. It’s not about negative thoughts. It’s about the absence of desire, especially the absence of desire for external things.


Happiness is a choice you make and a skill you develop.



The Almanack of Naval Ravikant is an incredible book. Every page is packed with wisdom and it’s super easy to read. You can buy the book at Amazon, or read it for free at navalmanack.com. Do yourself a favor and buy a copy today!

Here’s Naval on the Tim Ferris show:

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God, the Lord, is my strength; He makes my feet like the deer's; He makes me tread on my high places. Habakkuk 3:19
For everything there is a season, and a time for every matter under heaven. A time to cast away stones, and a time to gather stones together. A time to embrace, and a time to refrain from embracing. Ecclesiastes 3:1,5
The earth was without form and void, and darkness was over the face of the deep. And the Spirit of God was hovering over the face of the waters. Genesis 1:2
Behold, I am toward God as you are; I too was pinched off from a piece of clay. Job 33:6
Enter His gates with thanksgiving, and His courts with praise! Give thanks to Him; bless His name! Psalm 100:4
Lift up your hands to the holy place and bless the Lord! Psalm 134:2
Blessed is the man who trusts in the Lord, whose trust is the Lord. He is like a tree planted by water, that sends out its roots by the stream, and does not fear when heat comes, for its leaves remain green, and is not anxious in the year of drought, for it does not cease to bear fruit. Jeremiah 17:7-8
He said to him, “You shall love the Lord your God with all your heart and with all your soul and with all your mind. This is the great and first commandment. And a second is like it: You shall love your neighbor as yourself. On these two commandments depend all the Law and the Prophets.” Matthew 22:37-39
Then He said to me, “Prophesy over these bones, and say to them, O dry bones, hear the word of the Lord. Thus says the Lord God to these bones: Behold, I will cause breath to enter you, and you shall live." Ezekiel 37:4-5
Riches do not profit in the day of wrath, but righteousness delivers from death. Proverbs 11:4
The angel of the Lord appeared to him in a flame of fire out of the midst of a bush. He looked, and behold, the bush was burning, yet it was not consumed. And Moses said, “I will turn aside to see this great sight, why the bush is not burned.” When the Lord saw that he turned aside to see, God called to him out of the bush, “Moses, Moses!” And he said, “Here I am.” Exodus 3:2-3
Daniel answered and said: “Blessed be the name of God forever and ever, to whom belong wisdom and might. He changes times and seasons; He removes kings and sets up kings; He gives wisdom to the wise and knowledge to those who have understanding." Daniel 2:20-21
Now the Lord is the Spirit, and where the Spirit of the Lord is, there is freedom. 2 Corinthians 3:17
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