MY FRIEND HAS $2M INVESTED.
He still drives a 12-year-old car.
Still shops at the same grocery store.
Still lives in the same neighborhood.
He told me: “I don't need to look rich. I just need to know I'm free.”
That's probably the best definition of wealth I've heard.
A guy worked at Costco for 6 years 3 as a floor employee, 3 as a manager.
He said 90% of members walk the same loop, grab the same items, and leave thinking they got a deal.
"Costco has 11 pricing, return, and membership tricks built into the store. They don't hide them. Members just never look past the free samples."
He told me: "Most members think Costco's value is buying in bulk at lower prices. That's the surface. Underneath that, there's a pricing language on every tag that tells you exactly what's a deal and what isn't, a 30-day price adjustment policy that gives you money back if you already bought something, a return policy so generous it would bankrupt any other retailer, a pharmacy that doesn't require a membership and beats insurance prices, and a travel portal that undercuts Expedia on vacation packages."
"I watched members overpay for years not because the deals didn't exist, but because nobody taught them how the store actually works."
Here are the 11 things Costco employees know that most members never figure out:
1. What made you laugh today?
My 9-year-old told me about a kid who sneezed milk out of his nose at lunch. Then he told me about the math test he failed. Then he told me his best friend said something mean at recess.
All from one question.
"Fine" is a wall. Laughter is a door.
STOP STARTING YOUR EMAILS WITH:
“I HOPE YOU’RE DOING WELL.”
IT’S CORRECT. IT’S POLITE. AND IT’S ALSO ONE OF THE MOST FORGETTABLE OPENINGS THERE IS.
IF YOU WANT SOMEONE TO REPLY, DON’T START LIKE EVERYONE ELSE.
START WITH INTENTION.
HERE ARE 10 ALTERNATIVES: 👇
Two retirees can have the exact same portfolio…
And one can pay tens of thousands more in taxes over their lifetime.
The difference?
Financial planning.
Here are 4 strategies that can save you (or your heirs) significant money:
Quick gut check:
If I asked you right now what your Costco Executive Membership actually does beyond "2% back," could you name three things?
Most people can't.
That's not an accident. That's the business model.
This guys business has 70% margins and the government pays him $5,000 to $15,000 per student.
He doesnt need a physical location. Or to be licensed to start selling.
Hector has clients who sold courses for two years to the general public before they ever touched a grant.
He buys the curriculum for hundreds and charges upwards to $7500 per student.
What is it?
Trade schools that tap into state workforce development grants. Dental assisting, pool cleaning, dog grooming, forklift repair.
The state reimburses the tuition. You pocket the margin.
In this episode Hector:
- Breaks down the unit economics of his first two years
- Shows how he scaled by going online
- Tells me about a client doing $1 million a year selling IT courses in Arizona
- Gives me the exact playbook to start this with no teaching experience
Certified banger.
@TS_Secrets is the man! Check this one out!
Most people believe once microplastics get into your body, they're stuck there for life.
A researcher proved that wrong using his own blood.
He had the highest microplastic levels ever measured, then flushed them out (almost) completely with one cheap compound.
Here's how: 🧵
back in the 70s, game theory was hyped the exact same way AI is today. every genius was obsessed with one thing: how to win.
then one guy watched his kids play with legos and realized everybody was completely missing the point.
in short: if you're constantly trying to "beat the competition," you're playing the wrong game entirely.
hands down one of the clearest explanations of strategic game theory applied to real life by @simonsinek
I mapped out the key rules and action points below.
25 THINGS THAT WILL CHANGE YOUR LIFE IF YOU START THEM IN AUGUST
1. Do a full life audit. Files, clothes, subscriptions, contacts. Delete what is dead weight.
True
I still think the order goes:
- 529: do $35k free Roth conversion and cover qualified expenses
- UTMA: can basically have 0% harvesting every year and then once they’re not a dependent they have lots of 0% room
- anytime they have income match that amount in their Roth IRA
- trump last as it actually takes income taxes to get to Roth
Your 401(k) limit went up. Your HSA limit went up. Your 529 plan just got dramatically more flexible.
One popular tax credit vanished entirely.
W-2 earners still have a ton of levers to pull tax-wise - here's the actual 2026 playbook: ↓
2. Empty your open loops.
Every unfinished task is a browser tab your brain leaves open — a quiet cortisol drip that keeps your follicles under fire all day.
Write them all down. It's death by a thousand to-dos.