When Charlie Munger was 31, he had almost nothing left. His 9-year-old son died of cancer. He stood by the hospital bed, watching his child pass away, while still calculating how to pay the medical bills. His marriage was broken, and he was heavily in debt. It was not a "valley," but a complete emptiness. He didn’t have an epiphany or a declaration of rebirth. He simply went back to work the next day. As a lawyer. Trading time for money. Gradually realizing: this path would not take him away from pain. He began to invest. Small real estate, private deals, any method that could make capital work for him. Others advised him not to take risks: "You're a lawyer, not an investor." You need a GM