- The Borrow Smart Chronicles
- Authors
- Todd Ballenger
![Todd Ballenger](https://media.beehiiv.com/cdn-cgi/image/format=auto,width=400,height=211,fit=scale-down,onerror=redirect/uploads/user/profile_picture/b2b15a08-5865-40c7-a44d-e4fa71a07f89/toddcartoonhead2.jpg)
Todd Ballenger
Long-time student of the 3-Sided Balance Sheet. I am forever curious about how assets, liabilities, and real estate work together to maximize material wealth while also being a deep practitioner of Zen and spiritual studies that create inner wealth. As such, this is an outer reflection of an inner inquiry into what it means to be a businessperson practicing Zen. If you like money and have an interest in spirit, you'll find something here that offers you nutrition.
3-Sided Balance Sheet3-Sided Balance Sheet
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![The Borrow Smart Chronicles - Everything Compounds Like Interest](https://media.beehiiv.com/cdn-cgi/image/format=auto,width=800,height=421,fit=scale-down,onerror=redirect/uploads/asset/file/749ac499-ea8c-478e-9036-ab76d0aac474/Slide-1.jpg)
3-Sided Balance Sheet3-Sided Balance Sheet
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![The Borrow Smart Chronicles - Stay CALM and Carry On](https://media.beehiiv.com/cdn-cgi/image/format=auto,width=800,height=421,fit=scale-down,onerror=redirect/uploads/asset/file/d9f3f86f-ca99-488d-9391-806ac15e8d69/2024-05-23_18-25-28.jpg)
Big PictureBig Picture
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![The Borrow Smart Chronicles - Why Carry a Big Long Mortgage?](https://media.beehiiv.com/cdn-cgi/image/format=auto,width=800,height=421,fit=scale-down,onerror=redirect/uploads/asset/file/2ad82d38-1e05-4ac1-aebc-f6cfcafed234/2024-05-17_8-54-51.jpg)
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![The Borrow Smart Chronicles - The Market Is Always Right](https://media.beehiiv.com/cdn-cgi/image/format=auto,width=800,height=421,fit=scale-down,onerror=redirect/uploads/asset/file/25584085-88c4-4c66-9006-e5630396f461/image.png)