It Pays to Think Independently
Welcome to The Independent Thinking Newsletter, where businessman, financier, and author Marcelo Marini look behind the curtain of the business and financial world and shares his insights and reflections on business, finance, and independent thinking—highlighting the costly mistakes individuals and companies are making, the opportunities often overlooked, and how the business and financial world really works.
Each week, the newsletter publishes a letter focused on business, finance, and independent thinking. A monthly strategic intelligence edition provides deeper analysis. Subscribers also have access to a private archive of resources and tools.
Read by business owners, entrepreneurs, and investors globally, its audience includes millionaires and billionaires, global music figures, hedge fund managers, high-net-worth individuals and ultra-net-worth individuals, bankers, founders of global banks and conglomerates, and senior executives across industries.
If you’re willing to dig through the Insights, you might suffer the loss of not having to rely on the opinions of others… which in some cases can be a good deal.
About the Author
Marcelo Marini is a businessman, financier, and author. He brings a strong record of strategic and operational excellence, deep sector knowledge, and international experience across the industries in which he operates.
For over a decade, his weekly writings have reached readers across more than 15 countries. Now, this is the only place where his work is published.
Predictions of Human Misconceptions, Problems, and Opportunities
Over the past ten years, this newsletter has presented strategic perspectives that often anticipated trends in business, finance, behavior, and markets.
Here, you will find problems and opportunities many business owners and investors have yet to recognize—costly errors that erode capital, weaken businesses, and compromise decision-making.
As a longtime reader and friend of this newsletter often says:
“Mr. Marini is always 10–15 years ahead.”
Can we avoid the traps that waste time, capital, and decision-making?
There are more “predictions of human misconceptions” that are still unfolding these days… We are not here to tell you what to do, but to help you question things… to think independently.
Reader Voices
“Notorious knowledge in the field, inspiring, awesome.” — Executive
“Rational and surgical.” — Entrepreneur
“For over ten years, Marcelo has been my main reference in matters related to business and finance.” — Entrepreneur
“Disciple of W. Buffett, B. Graham & M. Marini (not necessarily in this order).” — Entrepreneur, Investor
“A little weekend reading: Marcelo Marini wrote about the difference between investors thinking for themselves versus just blindly following the crowd” — The Berkshire Beat
The Factual.money Platform
Subscribers may also choose to access the platform, which provides access to membership plans, courses, frameworks, and additional resources.
The Ciclos Terminal
Subscribers who find value in Marcelo’s strategic thinking may eventually be a fit for the Ciclos Terminal, a Powerful real-time analytics and insights, powered by cutting-edge technology and oriented toward long-term value creation, enabling you to monitor your operations and gain new context and insights to stay ahead, wherever you are.
Editorial Notes
Please note that if an article appears in another language, we kindly ask the reader to “Translate” using their browser — it’s certainly better than asking someone else to tell what they get from the reading exercise, and we hope it works better than skipping the reading at all — as some articles from 2015–2020 are being remounted from our original Diaries. Since the original Marcelo Marini’s Diary moved to Substack, now The Independent Thinking is the only place where he shares his thoughts.
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Editorial Approach
The publication does not provide investment advisory, portfolio management, or security recommendations. Its focus is on understanding businesses, financial dynamics, and decision frameworks to avoid large operational and capital allocation mistakes, prevent capital erosion, and cultivate independent judgment. We are not here to tell you what to do, but to help you question assumptions—and think independently.
