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This Time Is Different cover

This Time Is Different

Eight Centuries of Financial Folly

Eight centuries of data showing crises always rhyme.

by Carmen M. Reinhart and Kenneth S. Rogoff

This Time Is Different analyzes financial crises across sixty-six countries and eight centuries, covering government defaults, banking panics, currency crashes, and inflation. Reinhart and Rogoff use vast historical data to show that the belief 'this time is different' precedes nearly every disaster. Their evidence reveals how often excessive debt sets up the next collapse.

Founders are surrounded by the conviction that current conditions are unprecedented, and this book is the definitive rebuttal grounded in data. It teaches humility about leverage and the durable patterns that confident actors keep ignoring.

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