I once had a client who had not paid taxes in 12 years.
His tax returns were an important part of the case and so I freaked out and got him a CPA to get this squared away.
The CPA got the IRS to waive all penalties AND accept a reduced amount.
The CPA told me it wasn’t a big deal, he’d managed to do it a few times before.
I think about this every April.
I know two men who retired the same year.
One just got back from Italy with his wife. The other hasn't left his house in 6 months.
Same age but now living wildly different lives.
Here's what made the difference:
Both of these guys worked hard their whole lives.
They raised families, built careers, and saved for retirement.
They did everything "right." But one made a decision in his 40s that the other didn't. He decided his health was non-negotiable.
The other guy told himself he'd "get to it later."
He was too stressed with work, tired after the kids' games, and too busy to cook a real meal.
He wasn't lazy. He wasn't weak. He was just stuck in the lie that health could wait.
Fast forward 20 years and "later" finally arrived.
Now he's managing 5 medications. Each one has side effects that require another pill to manage.
He's exhausted by noon and his wife who dreamed of traveling the world with him has become his full-time caretaker.
He spends 99% of his time trapped in his house. He's not living retirement, he's existing as a fraction of his former self.
The other man is at the airport right now with his wife, boarding a flight to see the grandkids.
No mobility aid.
No anxiety about "what if something happens."
No guilt about being a burden.
Just freedom he's earned by investing in himself two decades ago.
What nobody tells you about letting your health slide is it doesn't just cost YOU.
→ It costs your spouse their retirement.
→ It costs your kids their peace of mind.
→ It costs your grandkids the memories they'll carry for the rest of their lives.
Your grandkids won't remember the toys you bought them.
They'll remember playing catch in the backyard, walking on the beach holding your hand and you showing up fully present and ALIVE.
Or…
They'll remember visiting you in a recliner, watching TV, and unable to get on the floor and play.
That's the fork in the road many are standing at it RIGHT NOW.
The man who's thriving today didn't become a gym rat, follow an extreme diet, or overhaul his entire life.
He just made a decision:
"I refuse to be a burden. I refuse to miss out. I'm doing this NOW."
And then he focused on three things in his 40s and 50s:
1. Strength – So he could stay independent, active, and capable.
2. Nutrition – So he could get OFF medications, not stack more on.
3. Consistency – Small, sustainable habits. Not perfection. Just showing up with a don't miss twice mentality.
That's it. And today he's free to be the husband, the father, the grandfather he always wanted to be.
That's what prioritizing your health in your 40s and 50s buys you.
Not just more years but legacy years.
Years your family will look back on long after your gone.
The version your grandkids will tell stories about for the rest of their lives.
That man is still available to you.
But the window is closing.
The most successful people I know all have an almost irrational belief that everything will work out
And I just recently learned the word for it: Pronoia.
It means the opposite of paranoia. The belief that the world is secretly conspiring in your favor.
The funny thing about Pronoia is that it's self-fulfilling.
When you believe things will work out, you try harder. You persist longer, and you see opportunities where others see dead ends.
What's that quote again?
"Pessimists sound smart. Optimists make money." – Nat Friedman
We all need a little more pronoia in our lives.
Corporate Tips In 2026
1. If your HR or management asks you to speak freely, please Don’t.
2. Be the last one in, the first one out, and do as little as possible while getting maximum pay
3. Someone at work will suggest installing Outlook and Teams on your phone. Do not listen
4. So many HR managers prefer hiring someone who is currently employed vs who is unemployed
5. Job-hopping will pay you faster than loyalty ever will.
6. Leaving a toxic job for your mental health is actually a win.
7. Document everything
8. The office is not stressful because of work. It’s stressful because of people.
9. Lie to your coworkers
10. Anyone saying “my job gives me a purpose in life" is genuinely a slave
11. Good employees don’t complain they just leave
12. Refusing small beginnings is a silent career killer.
If you want something to dip for a better entry,
just buy an initial position.
It’ll magically come down
because you’re in it.
Works about 70% of the time.
I don’t see myself as Bryan Johnson, but as a collection of 68 trillion cells. Over half of those cells (38 trillion) are foreign bacteria. Aliens that I host. There’s also various versions of me. There’s a version of me that feels energetic and vibrant in the mornings; there is another Bryan at 7 pm who is worn from the day. There’s a dad version of me and so on. Each of these Bryans has a distinct physiological configuration.
My brain tries to smooth over these differences and contradictions and fuse them into a single identity, but the data tells a different story. I’ve spent the past few years trying to characterize each version of me.
Unsurprisingly, I’ve found that data can explain my subjective mental and emotional states. Explaining why I feel vivacious, or lethargic, or in love. There are biochemical signatures for all of it. We know this, but seeing it makes it hit differently.
Measuring myself and seeing these emergent states in real time has led me to be especially thoughtful about the factors that influence my conscious experience. I am basically my inputs. Things such as sleep, nutrition, exercise, environment, stress, biomarkers and relationships.
Carefully designing these, I’ve been able to create more predictability and control over my conscious existence. Where it felt kind of random before, or that I was being pushed around by forces outside of my influence, so much of my lived experience now feels algorithmic. While that might sound dystopic to some, it feels liberating and empowering to me.
Umberto Eco, who owned 50,000 books, had this to say about home libraries:
“It is foolish to think that you have to read all the books you buy, as it is foolish to criticize those who buy more books than they will ever be able to read. It would be like saying that you should use all the cutlery or glasses or screwdrivers or drill bits you bought before buying new ones.
“There are things in life that we need to always have plenty of supplies, even if we will only use a small portion.
“If, for example, we consider books as medicine, we understand that it is good to have many at home rather than a few: when you want to feel better, then you go to the ‘medicine closet’ and choose a book. Not a random one, but the right book for that moment. That’s why you should always have a nutrition choice!
“Those who buy only one book, read only that one and then get rid of it. They simply apply the consumer mentality to books, that is, they consider them a consumer product, a good. Those who love books know that a book is anything but a commodity.”
It's 1989:
You're 45, working in management at Sony
Life's good- your real estate is booming, bonuses are fat & the Nikkei's unstoppable
You pour savings into stocks like Honda & Sony
"Just a few years"
3yrs later-you're down 62% & won't get back to break even until you're 80
Major cheat code in life: Understanding you can reinvent yourself at any time. New habits, new standards, new friend group, new career, etc. There's no rule that says you have to stay the person you've always been. You're allowed to decide, "I'm done being this version of me."
Nearly every problem we face, whether it’s anxiety, conflict, addiction, insecurity, political division, or even the suffering passed down through generations, all comes from one mistake: we think we are the mind. We mistake the voice in our head for “me,” and then spend our entire lives defending, protecting, validating, and obeying it. The mind was built for survival, not truth. It reacts, compares, fears, judges, and projects - and when you identify with that machinery, your entire life becomes a threat response. You’re not living in reality; you’re living in your thoughts about reality. Every form of suffering, personal, relational, or societal, comes from awareness being trapped inside that unconscious identification.
The moment you recognize that you are not your thoughts but the awareness witnessing them, everything changes. The narrative loses its grip. Fear loses its authority. The ego collapses because its existence depends on your belief in it. Presence doesn’t silence the mind, it reveals that the mind isn’t you. And from that clarity, life finally becomes direct: not mediated by memory, fear, or projection. This is why every spiritual tradition points to the same truth….that awakening isn’t mystical. It’s the simple act of seeing through the illusion of the psychological self. The mind creates the suffering. Awareness dissolves it.