Warren Buffett wrote his first shareholder letter at 47. I'm 47 — an actuary (ASA) and founder building an insurance float business in Korea. I read all 48 letters (1977–2024) in order, and each week apply one thing from one letter to my own company. Not summaries. Field reports.
44 essays written at dawn — on first principles, running, business, and people. Korean only, for now.
One Buffett letter a week — read, applied to a real float business, reported honestly.
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