work to improve our knowledge, but most of us won’t put in the effort. More important than the will to win is the will to prepare. —Charlie Munger Self-improvement is the ultimate form of investing in oneself. It requires devoting time, money, attention, and hard effort now for a payoff later, sometimes in the far distant future. A lot of people are unwilling to make this trade-off because they crave instant gratification and desire instant results.