The fastest way to improve your entire life is to sign up for a physical side quest. A race. A competition. Whatever. Your day becomes more structured with the training. You sleep deeper because you're tired. You eat cleaner. You look better. Everything falls into alignment.
Most people budget what's left after spending.
Wealthy people spend what's left after investing.
That one flip in order (invest first, spend what remains) is the entire difference between two completely different financial outcomes.
Lifting weights & getting lean isn’t about vanity.
(although looking good is a great motivator)
It’s about longevity.
The fatter & weaker you become, especially as you age, the more likely you are to suffer from heart disease, cancer, Alzheimer’s, and other chronic diseases.
You’re also likely to have an earlier than necessary admittance to the nursing home.
It’s your choice to do the work or accept the consequences.
Choose wisely.
You’re a fucking man.
Get the hell out of that depressing shitbox you call a room.
Stop hiding like a weak little bitch. Pack the bare minimum, throw on some clothes that don’t smell like defeat, and move your ass.
Hit the library. The park. A 24-hour gym. Drive out to the fucking beach or crash at a buddy’s place for the night. Book a cheap cabin in the woods. Hop on a train to the next town over.
Go ANYWHERE. Just get the fuck out of that room and stop rotting away like a pathetic ghost in your own life.
Man up, learn how to live with yourself instead of being a pathetic loser.
If you are 30 and have all of this locked in:
1. Emergency fund — 6 months of expenses
2. High interest debt — gone
3. 401k — maxed at $24,500
4. Roth IRA — maxed at $7,500
5. Term life insurance — if you have dependents
6. HSA — maxed at $4,300 if on high deductible plan
7. Taxable brokerage — started
8. Will and beneficiaries — updated
You are in the top 5% of financial decision.
8 tips for people in their 20’s:
1. Don’t finance a car
2. Have a roommate
3. Have a Roth IRA
4. Have income outside of a 9–5 job
5. Drink more water
6. Cardio is underrated
7. Being kind to others is underrated
8 Don’t finance a car
Every time you level up, you lose something: a habit, a friendship, a version of yourself. Dear son, that’s not a loss. That’s proof you’re evolving. Keep going >>>
Your 20s are for realizing that all your grandiose life plans pale in comparison to having people you really like being around. You spend years chasing titles, money, status and achievement and then one random Tuesday laughing with the right people you suddenly get it. None of the big plans feel as good as this does right now. Build the career, chase the goals — but never sacrifice the people who make ordinary moments feel like enough. That is the thing nobody puts in the vision board but everyone eventually figures out is the whole point.
The Middle Class Trap:
- $4,200/mo: Mortgage
- $1,400/mo: Car payments
- $2,000/mo: Childcare
- $300/mo: Private gym
- $950/mo: Student loans
- $1,000/mo: Credit card
...Takes 5–7 years to get these payments & 25+ years to pay them off.
Taxes are expensive
For singles:
12% for income $11k-$47k
22% for income $47k-$100k
24% for income $100k-$191k
32% for income $191k-$243k
Here are the best 5 tax advantage accounts you should have:
Big believer in the idea that only a handful of decisions determine your entire life. The rest is all just noise
The big decisions are generally:
1. who you marry
2. what career path you go down
3. saving and spending habits
4. how you take of your body and exercise
5. who you spend time with (friends)
If you get these 5 right, it’s really hard to go wrong in life
8 things I know at 35 that I wish I knew at 25:
1. Don’t finance a car
2. Have a roommate
3. Have a Roth IRA
4. Build an income outside of your 9–5 job
5. Drink more water
6. Walking is underrated
7. Being kind to others is underrated
8. Don’t finance a car
How l invest:
- Max out 401(k) invested in the Vanguard S&P 500 fund, 0.01% expense ratio ($VFFSX)
- Max out $4.4k HSA in S&P 500
- Max out $7.5k Roth IRA invested in Vanguard IT ETF ($VGT)
- Put the rest in a brokerage account split between $VTI and $VGT
This strategy did well for me
What destroys a man?
1. Looking for love in that phase of life where you're meant to be looking for career growth and money has destroyed so many men. She'll eventually leave you for the man who has got his priorities right.
2. Spending to show others your wealth is the fastest way to decrease wealth and destroy the man in action.
3. Every man, at some point in their lives, needs to decide whether they're more afraid of failing through action or failing through inaction. Inaction is a sure-shot way to destruction.
4. Your ill-gotten habits that's more than looking sexy now may be about dying an early death.