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Bill Murphy Jr.

Hi. I write the Understandably daily newsletter—no algorithms, no outrage, just an essential daily newsletter trusted by 175,000+ smart people who want to understand the world, one day at a time. Plus bonus ebooks (aka 'Ubooks').

Featured Post

It belongs to the world

July 28, 2025 I tried a couple of things differently this week, hopefully cleared up the issue for readers who were unable to read this in weeks past. Please let me know if you still have trouble! "Insulin does not belong to me, it belongs to the world." — Frederick Banting ↓ ↓ ↓ ↓ ↓ ↓ Hey look, a chance to support the newsletter! Sponsored by: HubSpot Turn AI into Your Income Engine HubSpot’s groundbreaking guide "200+ AI-Powered Income Ideas" is your gateway to financial innovation in the...

July 21, 2025 Before we dive in, I've been flummoxed trying to fix some formatting issues that seem to affect a small number of readers — but very persistently! If you are having trouble reading this, can you reply and let me know what device you're using (iPhone, Android, laptop, etc?) and what email service (Gmail on the web, Mail for Apple, etc?) Thank you!!! Also, we're trying something a bit different this week. You'll see when you get to the "7 things" at the bottom. "For one priceless...

July 14, 2025 "Thank you for my sons, thank you for my life." — A worker in a hotel in Montreal ... ↓ ↓ ↓ ↓ ↓ ↓ Hey look, a chance to support the newsletter! Sponsored by: HubSpot Turn AI into Your Income Engine HubSpot’s groundbreaking guide "200+ AI-Powered Income Ideas" is your gateway to financial innovation in the digital age. Inside you'll discover: A curated collection of 200+ profitable opportunities spanning content creation, e-commerce, gaming, and emerging digital markets, each...

July 7, 2025 "The greatest forward step in baking since bread was wrapped." — Otto Frederick Rohwedder (or his advertisers) ↓ ↓ ↓ ↓ ↓ ↓ Hey look, a chance to support the newsletter! Sponsored by: HubSpot Turn AI into Your Income Engine HubSpot’s groundbreaking guide "200+ AI-Powered Income Ideas" is your gateway to financial innovation in the digital age. Inside you'll discover: A curated collection of 200+ profitable opportunities spanning content creation, e-commerce, gaming, and emerging...

June 30, 2025 "The American people will take anything if it is draped in enough emotion. Even truth." — Sinclair Lewis ↓ ↓ ↓ ↓ ↓ ↓ Hey look, a chance to support the newsletter! Please let me know here if you can't see the ads. Thanks! ↑ ↑ ↑ ↑ ↑ ↑ 'I hit it in the stomach' Upton Sinclair wanted to write about the soul--the Great American Novel, with sweeping themes of poverty, hope, and the inner lives of early 20th century American workers. Instead, readers came away thinking about the rats....

March 17, 2025 "Let this test measure our youth." — a well-meaning person at the College Board ↓ ↓ ↓ ↓ ↓ ↓ Hey look, a chance to support the newsletter! Please let me know here if you can't see the ads. Thanks! ↑ ↑ ↑ ↑ ↑ ↑ The SAT It started with a radical belief: brilliance wasn't reserved for bankers' sons or boarding school graduates. Potential could be hidden anywhere—in a Pennsylvania coal town, a Chicago tenement, a farm outside Des Moines. If you could build a tool to find it, you...

June 16, 2025 "[Y]es I said yes I will Yes." — Molly Bloom ↓ ↓ ↓ ↓ ↓ ↓ Hey look, a chance to support the newsletter! Please let me know here if you can't see the ads. Thanks! Sponsored by: Brain.fm Transform Your Focus With Brain.fm We know you’re always on the hunt for tools that genuinely improve your life—which is why we're excited to introduce you to Brain.fm's groundbreaking focus music. Brain.fm’s patented audio technology was recently validated in a top neuroscience journal, showing...

June 9, 2025 You, Mr. Chairman, may, if you will, call the next witness. ..." — Joseph Welch ↓ ↓ ↓ ↓ ↓ ↓ Hey look, a chance to support the newsletter! Sponsored by: Brain.fm Transform Your Focus With Brain.fm We know you’re always on the hunt for tools that genuinely improve your life—which is why we're excited to introduce you to Brain.fm's groundbreaking focus music. Brain.fm’s patented audio technology was recently validated in a top neuroscience journal, showing how it actually changes...

June 3, 2025 "There is a great satisfaction in building good tools for other people to use." — Herman Hollerith ↓ ↓ ↓ ↓ ↓ ↓ Hey look, a chance to support the newsletter! Sponsored by: Brain.fm Transform Your Focus With Brain.fm We know you’re always on the hunt for tools that genuinely improve your life—which is why we're excited to introduce you to Brain.fm's groundbreaking focus music. Brain.fm’s patented audio technology was recently validated in a top neuroscience journal, showing how it...

April 21, 2025 "Two possibilities exist: either we are alone in the universe, or we are not. Both are equally terrifying." — Arthur C. Clark ↓ ↓ ↓ ↓ ↓ ↓ Hey look, a chance to support the newsletter! Sponsored by: Mode Mobile This tech company grew 32,481%... No, it's not Nvidia… It's Mode Mobile, 2023’s fastest-growing software company according to Deloitte. Their EarnPhone has helped users earn and save an eye-popping $325M+, driving $60M+ in revenue and a massive 45M+ consumer base. Like...