Use mental models to feed your curious brain.

Mental models are big ideas from big disciplines, like business, psychology, science, & engineering. An understanding of the key concepts from these multi-disciplinary topics will teach you to become an independent thinker and help you ask the right questions.

Be wise, be like Charlie.

Drag the edge of the cards out of the stack and let go. You can drag them back into the stack.

Independent thinking matters!

A mental model is a representation of an external reality inside your head – a kind of cognitive map. The purpose of mental models is to gain and understand knowledge about the world through key multidisciplinary concepts — something schools don't teach. The closer you get your cognitive processes (the way your brain approaches a problem) to reality, the better the decisions you’ll make in life.

Academic structure, by and large, discourages training your brain from a multidisciplinary approach. If you want to be a world-class thinker, you must develop a mind that can jump boundaries from one discipline to another. Read more here.

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Computer Science

Total Models: 05

Mental models that are important in the discipline of Computer Science include: Algorithms, Recursion, Data Structures, If-Else Statements and Security Public Key Cryptogrpahy.

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Total Models: 04

Mental models that are important in the discipline of Engineering include: Breakpoint, Back-up Systems/Redundancy, Homeostatis/Feedback Loops: Positive vs Negative and Margin of Safety.

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Total Models: 03

Mental models that are important in the discipline of Biology include: Evolution by Natural Selection, Eco-system and Red Queen Effect (Coevolution/Extinction).

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Total Models: 01

Mental models that are important in the discipline of include: Autocatalysis (Self Breeding).

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Total Models: 05

Mental models that are important in the discipline of Math include: Compound Interest, Permutations and Combinations, Inversion, Multiply by Zero and Power Laws.

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Total Models: 05

Mental models that are important in the discipline of Physics include: Laws of Thermodynamics, Critical Mass, Theory of Equilibrium: Static vs Dynamic, Leverage and Newton's Laws.

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Total Models: 08

Mental models that are important in the discipline of Statistics include: Probability, Regression to the Mean, Law of Small and Large Numbers, and more. Click on the picture to see the rest of the models.

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Total Models: 20

Mental models that are important in the discipline of Economics include: Elasticity of Demand, Competitive Advantage, Wealth Effect, and more. Click on the picture to see the rest of the models.

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Total Models: 08

Mental models that are important in the discipline of Business include: Moats, Porter's Five Forces, Circle of Comptence, and more. Click on the picture to see the rest of the models.

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Total Models: 03

Mental models that are important in the discipline of Finance include: Mr. Market, The Stock Pari-Mutuel System and Risk vs Uncertainty/Risk vs Volatility.

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Total Models: 04

Mental models that are important in the discipline of Accounting include: Double Entry Accounting, Depreciation and Financial Ratios.

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Total Models: 31

Mental models that are important in the discipline of Psychology include: Commitment and Consistency, Pavlovian Conditioning, and more. Click on the picture to see the rest of the models.

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Total Models: 02

Mental models that are important in the discipline of Management include: Occam's Razor and Parkinson's Law.

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100 Mental Models

Wise Charlie is a humorous and fun way to learn mental models. Each card covers a simple and short definition of the mental model, followed by a funny example. Use these mental models to play, practice, or just laugh as you make wise decisions!

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Free mental models

Become smarter by receiving mental models in your inbox once a month. This will also include detailed explaination on how to apply a mental model in real life.

Got questions?

What are mental models?

Mental models are multidisciplinary, problem-solving techniques. They can be applied in any setting, at school, in your career, and life in general, too. These big ideas from big disciplines teach you how to approach a problem from a broad perspective.

Don't be the person with the hammer who thinks every problem looks like a nail, use mental model techniques to find answers instead.

Why should you care to learn mental models?

Mental models will broaden your thinking so that you can make wise and informed decisions. Modern education systems hinder students when it comes to approaching problems from a broad, multidisciplinary perspective. Mental Models will help you gain that perspective and a basis for broad rational thinking.

Does it even matter if I don't learn mental models?


If you asked your grandma for advice she would tell you to always eat your carrots before your dessert. But many of us today want dessert first – depolarize your thinking and expand your mind today so that it’ll serve you better tomorrow!

Can you give an example on how to apply a mental model?

Sure, let’s take “Margin of Safety” from Engineering as an example. Engineers use the concept to calculate the load a bridge can bear, beyond its actual capability. This detailed analysis can be used in Finance while investing. If you invest in Stock A, invest in at a price where your portfolio can bear 15% downside.

Just like the above example, there are numerous mental models that can be used outside of their primary discipline.

Alright, can you explain more in detail?

A mental model is more like a searchlight than a road map. It doesn’t tell you the answer directly, or where to find the answer, it shows you how to look for it. A mental model is heuristic – it enables you to learn and discover for yourself, in this it is a far cry from an algorithm.

An algorithm is a set of well-defined instructions for carrying out a particular task. Algorithms are predictable, deterministic, and not subject to chance.

A mental model is a technique that helps you look for an answer. Its results are subject to chance because a mental model tells you how to look, not what to find. It doesn’t tell you how to get directly from point A to point B. It might not even know where point A and point B are. In effect, a mental model is an algorithm in a clown suit. It’s less predictable, it’s more fun, and it comes without a 30-day, money-back guarantee.

Here is an algorithm for driving to your grandma's house. Take Highway 290 West to Rosemont. Take the State Street exit and drive 2.5 miles up the Congress Parkway. Turn right at the light by the gas station, and then take the first left. Turn into the driveway of the large white house on the left, at 111 Clear City.

Here’s a mental model for getting to your grandma's house. Find the last letter we mailed you. Drive to the town in the return address. When you get to town, ask someone where our house is. Everyone knows us - someone will be glad to help you. If you can’t find anyone, call us from a public phone, and we’ll come get you.

An algorithm gives you the instructions directly. A mental model tells you how to discover the instructions for yourself, or at least where to look for them.

So, are you going to be a great thinker or just follow computer generated directions?

Who even uses mental models?

The history of science and knowledge is full of discoveries based on exploiting the power of mental models.

Consider the example of a heavy stone swinging back and forth on a string. Before Galileo, an Aristotelian looking at the swinging stone thought that a heavy object moved naturally from a higher position to a state of rest at a lower one. The Aristotelian would think that what the stone was really doing was falling with difficulty. When Galileo saw the swinging stone though, he saw a pendulum. He thought that what the stone was really doing was repeating the same motion again and again, almost perfectly.

The suggestive powers of the two models are quite different. The Aristotelian who saw the swinging stone as an object falling would observe the stone’s weight, the height to which it had been raised, and the time it took to come to rest. For Galileo’s pendulum model the prominent factors were different. Galileo observed the stone’s weight, the radius of the pendulum’s swing, the angular displacement, and the time per swing. Galileo discovered laws the Aristotelians couldn’t because their model led them to look at different phenomena and ask different questions.

And so, how does Charlie help me become wise?

Wise Charlie is a deck of 100 mental model flashcards. Each card sets out a concept or idea from varying disciplines along with a concise definition, a humorous example and an illustration.

Mental models are concepts, a way to think about things. Learning mental models means that you can train your brain to think in a multifaceted way, something that education providers don’t always cover. By learning key concepts from big disciplines such as; psychology, math, biology, and economics, you will amass knowledge that can be applied in many situations.

When faced with a given problem, your knowledge of mental models will encourage your brain to work out solutions from a novel and broad perspective, encouraging multidisciplinary concepts and thought processes to combine.

The truly great stuff happens when several of these mental models combine and march in the same, positive direction, toward a particular action – a phenomenon that is called the ‘Lollapalooza effect’. It even sounds cool, doesn’t it! Coined by prominent thinker and proponent of mental models, Charlie Munger, we take our name from his wise words on mental models.

Charlie said that mastering the ‘latticework of about 100 mental models’ was the key to his and partner, Warren Buffet’s successful investing strategies. Charlie also said that mastering the multidisciplinary approach of such ‘mental constructs’ means getting out of the shallow water of the ‘middle ranks’ and joining the big fish.

Wise Charlie is here to help you invest in yourself – swim in the metaphoric ocean where big ideas belong, not in the pond with the small ideas and fish!

Why only 100 mental models?

As Charlie Munger says, “You may say, ‘My God, this is already getting way too tough.’ But, fortunately, it isn’t that tough ‑ because 80 or 90 important models will carry about 90% of the freight in making you a worldly wise person.” We've sourced models from major disciplines that are important and will help you carry 90% of the freight.

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