Good morning, undependent women... I want to tell you about Hetty Green. In the late 1800s she was the wealthiest woman in America, and by some accounts the shrewdest investor of her entire generation... man or woman. Let me explain. When banks panicked and the whole system wobbled, the men who ran Wall Street came to her for loans. She once kept the city of New York itself afloat with her own money. She read financial reports for pleasure. She bought when everyone else was terrified and sold when everyone else was greedy, which is the whole game, and almost nobody has the stomach for it. She learned to read the financial pages at six years old, out loud, to her grandfather. By her teens she was managing the family accounts. Nobody handed her a seat at the table. She built her own table and then made the men come to it. Here is what I love about her. She did not perform wealth. She wasn't a show off. She wore the same plain black dress. She did her own math. She trusted her own judgment over every expert in the room, and when the experts turned out to be wrong and she turned out to be right, again and again, she profited big time. They called her eccentric because a woman who owned herself completely did not have a category yet. She was an Undependent Woman before anyone knew what that was. She left a fortune worth, in today's money, somewhere north of two billion dollars. Built by one woman, in an era when women could barely hold a bank account in their own name. I am not telling you to skip lunch with your girls, or to only wear one dress. I am telling you that the instinct she had... read the numbers yourself, trust your own judgment, buy the asset, own the thing, do not perform for the room... that instinct is not rare because women lack it. It is rare because most people were never told it belonged to them. It belongs to you. It always did. Go read one thing today that makes you a little sharper about your money. That is how it starts. That is how it always started.