Warren Buffett says

“The rich invest in time, the poor invest in money.”

More on this...

“It’s not possible for investors to consistently outperform the market. Therefore you’re best served investing in a diversified portfolio of low-cost index funds [or exchange-traded funds].”

“Warren talks about these discounted cash flows. I’ve never seen him do one.”

“No business can continue to shrink. That can only go on for so long before irrelevancy sets in.”