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I have a dead simple filter for how I spend my life. Before I commit my time or energy to anything, I demand a return. It MUST make me: Healthier Wealthier Happier More knowledgeable Or slow my rate of aging If the ROI isn't there, I'm not there. Period.

November can't come fast enough. I'm looking forward to voting YES for Tesla ($TSLA) to invest in xAI. We'll also be voting on a longer-term CEO compensation plan for Elon. Make sure you can vote!

My 20s seem like a lifetime ago. My first two picks? $TSLA and Solar City. I loved the tech and their vision. Then, I bought Sirius XM because of Warren Buffett. Finally, I decided to follow what Buffett champions: low-cost index funds. What was the first stock you bought?

Bitcoin. I talk about it constantly. Not with everyone, though. Mostly people in their 20s, 30s, & early 40s. Last year, I had a new audience. My mentor in her 60s and her brother. I sent him "The Bitcoin Standard." Radio silence. I told her, "Hey, check out some Bitcoin videos." She watched them. Her take? "Too risky." I skipped "The Bitcoin Standard" after her brother's reaction. Instead, a documentary felt better. Easier entry point. I sent it back in December. Radio silence. Followed up three times. Finally, she watched it yesterday. She's a lawyer. Chats about money and law with her are never boring. No filters, ever. We talk next week. I want her take. Bitcoin must have sounded insane. Sounded insane to me years ago, too. That's why I sent the documentary. Next week's discussion could be epic.

Imagine you're in your 30s, healthy, and no kids. Suddenly, $2 million lands in your lap. What happens next? Would you invest, plan for the future, or maintain your current lifestyle?

Checked in on Andrew, a guy I helped start investing a few years ago. A 29-year-old living at home who has $200k in VTI + 1 Bitcoin. He did this on a $50k salary with a side hustle. He rejected two scholarships in Europe because he didn't want to stop making money. His rules.

Three Pieces of Advice for Childfree People 18-45 years old: 1. Secure Your Financial Future: Don't depend on government programs for retirement. Start investing early. Remember, time and compound interest are powerful allies.

Retirement is a goal, not a timeline. Don't wait for some distant date. You're not guaranteed tomorrow. You could be gone in a week, a month, a year. Focus on freedom now. Don't design your life around some future retirement. Design it around freedom. What does that mean for you? Consider the people you want to see. Think about how you want to spend your time. What do you want to do? Your life. Your rules. Not some arbitrary date. Plan to live now. Plan to experience joy. Think about the things that bring you energy. Maybe that’s traveling. Maybe that’s working. Maybe it is both. Maybe it's something totally different. Retirement is not a magical switch. It’s not the absence of work. It’s the presence of freedom. It’s the power to choose. What matters to you? Not friends or family. That's the most important question. Why wait?

Building wealth is like building a house. You need a strong base. Health is a big pillar in that base. For 11 years, I've focused on health but totally missed my sleep. It's wild how a foggy brain from poor sleep throws off your money decisions. 11+ years ago, I used to be up past 1 AM, crashing for only 4 to 5 hours. Now I'm at 7 to 7.5 hours. Better, but not enough. Seven hours isn't some magic number. Good sleep isn't only about how long you sleep. Quality counts too. A bad night makes my mood and focus tank. Early mornings give me a clear boost. So now I'm playing with my sleep. What's the best time for bed? When should I wake up feeling refreshed? I'm trying different night routines to get my sleep quality up. I'll share what I'm learning in the next few days. What foundations do you have in place for your own lifelong wealth-building journey?

After talking to a few clients this week, let’s talk about something that's been on my mind lately: this whole idea of success. Is it about climbing the corporate ladder, grabbing more money, and a fancier title? Or is it about something more meaningful? Many people (myself included many years ago) get caught in this trap of chasing the next promotion, thinking that more money will solve our problems. But what if it doesn't? What if we're trading our peace and time for stress? I see people pushing themselves to the limit. They are sacrificing their health, family, and hobbies to chase those bigger paychecks. Is this really worth it? What if success isn't always about making more but doing more that fuels our souls? What if that job you are considering comes with a hefty price? Think about it: what will you stop doing if you take it? Will you stop cycling, traveling, going to the gym, seeing your loved ones often, and playing music? Your time is your most precious resource. Do not get fooled by ROI. Return on investment isn't just money. It's happiness, growth, and fulfillment. It's doing things you love. It's feeling alive. So, the next time you evaluate an opportunity, consider what you value most. Ask yourself not only what you will gain but also what you will lose. Don't just take the first job that comes your way because it means more money. You can make more money without being miserable. Find the balance and job that's right for you. Your life. Your rules.

I made a mistake. It’s one I hope you can avoid. Years ago, I had this habit. If I didn't like someone, I dismissed everything they said. It didn’t matter what it was. I wouldn’t listen. I was very stubborn. I thought, “If I don't like you, you can't teach me anything.” Big mistake. Life had other plans. It smacked me upside the head. It forced me to learn two tough lessons. First, people we dislike can still teach us valuable things. Second, echo chambers are terrible for growth. If we want to become wiser, we should seek the truth, not comfort. I realize now that this habit blinded me to different perspectives. This blindness still happens all the time. Look at that Elon Musk speech. I bet many people saw it with their minds already made up. They "concluded" he did some far-right salute. Did they actually see that? Or did they see what they wanted, expected, or were conditioned to see? One of my friends didn’t even watch the video. She saw a picture. That was it. She missed the full context. This is exactly what I did years ago. Dismissing an entire picture based on a single, often misinterpreted, detail. They were just listening to voices that aligned with their beliefs, just like I used to. It's the same pattern: the inability to separate the message from the messenger. Some of my friends get upset when I bring this up. They're still plugged into legacy media, and I try to show them their news is missing. They think I'm being “confrontational,” but I want them to see the whole picture. Don't just listen to what you agree with. Listen to all the voices. You might be surprised where you find the truth. We risk missing so much when we do.

My client, who's in her 20s, came to me practically shaking yesterday. She'd just visited some friends who spent the whole time mocking her. Her crime? Saving money, investing, and cutting back on alcohol. They told her, "You're only in your 20s! You should be enjoying life like us!" Then they launched into stories of their extravagant vacations and nights out, dropping thousands like it was nothing. But here's the twist: in the middle of bragging, they admitted to feeling bored and unfulfilled. My client told them she's genuinely happier than she's ever been, feeling in control of her life and her future. This just made them push back harder, telling her to loosen up and embrace the "YOLO" lifestyle. But hearing their confession of boredom and seeing their restless energy, she couldn't help but wonder: Is 'YOLO' just a cover for unhappiness? My client's friends spend thousands, travel constantly, and feel bored. She saves, invests, travels & is happier and healthier. Who defines what's a good life? YOU or your friends and family?

Scared? Excited? You chose your way. Remember that feeling? Probably better than the times you did what others wanted, right? That "blah" feeling? That's the price of letting others control your life. Your happiness isn't found in pleasing everyone. So, stop doing that. It's built on YOUR choices, the risks you take, the paths you forge, even when they're scary. My mentors started with a few hundred bucks, massive goals, and worked their butts off. They changed their environments and even their friends. One of my mentors still irons their clothes every Saturday. Miserable? Nope. They travel, run businesses, have full-time jobs, and genuinely enjoy their lives. Not everyone's willing to do the work. It’s not about ironing, though it can save you a lot of money... it's about owning your choices. It's about facing your fears and building the life YOU want. What area of your life feels "blah" because you're prioritizing others' expectations?

My 20s seem like a lifetime ago. My first two picks? $TSLA and Solar City. I loved the tech and their vision. Then, I bought Sirius XM because of Warren Buffett. Finally, I decided to follow what Buffett champions: low-cost index funds. What was the first stock you bought?

I have a dead simple filter for how I spend my life. Before I commit my time or energy to anything, I demand a return. It MUST make me: Healthier Wealthier Happier More knowledgeable Or slow my rate of aging If the ROI isn't there, I'm not there. Period.

Imagine you're in your 30s, healthy, and no kids. Suddenly, $2 million lands in your lap. What happens next? Would you invest, plan for the future, or maintain your current lifestyle?

After talking to a few clients this week, let’s talk about something that's been on my mind lately: this whole idea of success. Is it about climbing the corporate ladder, grabbing more money, and a fancier title? Or is it about something more meaningful? Many people (myself included many years ago) get caught in this trap of chasing the next promotion, thinking that more money will solve our problems. But what if it doesn't? What if we're trading our peace and time for stress? I see people pushing themselves to the limit. They are sacrificing their health, family, and hobbies to chase those bigger paychecks. Is this really worth it? What if success isn't always about making more but doing more that fuels our souls? What if that job you are considering comes with a hefty price? Think about it: what will you stop doing if you take it? Will you stop cycling, traveling, going to the gym, seeing your loved ones often, and playing music? Your time is your most precious resource. Do not get fooled by ROI. Return on investment isn't just money. It's happiness, growth, and fulfillment. It's doing things you love. It's feeling alive. So, the next time you evaluate an opportunity, consider what you value most. Ask yourself not only what you will gain but also what you will lose. Don't just take the first job that comes your way because it means more money. You can make more money without being miserable. Find the balance and job that's right for you. Your life. Your rules.

Building wealth is like building a house. You need a strong base. Health is a big pillar in that base. For 11 years, I've focused on health but totally missed my sleep. It's wild how a foggy brain from poor sleep throws off your money decisions. 11+ years ago, I used to be up past 1 AM, crashing for only 4 to 5 hours. Now I'm at 7 to 7.5 hours. Better, but not enough. Seven hours isn't some magic number. Good sleep isn't only about how long you sleep. Quality counts too. A bad night makes my mood and focus tank. Early mornings give me a clear boost. So now I'm playing with my sleep. What's the best time for bed? When should I wake up feeling refreshed? I'm trying different night routines to get my sleep quality up. I'll share what I'm learning in the next few days. What foundations do you have in place for your own lifelong wealth-building journey?

The first step for my life to get better was to drop my ego and develop self-awareness. I didn't change overnight. Once I did, changes weren't overnight either. Eventually... I recovered my health, and I've never been healthier. I was able to increase my net worth faster. I improved my relationships. Before things got better, I was in a hole and thought all those self-help books were just empty words. It turns out the problem wasn’t the advice. It was me. Action, not just contemplation, creates proof. You can’t think your way out of a bad situation, you have to do your way out.

Retirement is a goal, not a timeline. Don't wait for some distant date. You're not guaranteed tomorrow. You could be gone in a week, a month, a year. Focus on freedom now. Don't design your life around some future retirement. Design it around freedom. What does that mean for you? Consider the people you want to see. Think about how you want to spend your time. What do you want to do? Your life. Your rules. Not some arbitrary date. Plan to live now. Plan to experience joy. Think about the things that bring you energy. Maybe that’s traveling. Maybe that’s working. Maybe it is both. Maybe it's something totally different. Retirement is not a magical switch. It’s not the absence of work. It’s the presence of freedom. It’s the power to choose. What matters to you? Not friends or family. That's the most important question. Why wait?

Learn to prioritize what adds to your life and cut the rest. That includes people and things. It's time for a hard audit of your life. These are the questions I ask myself (and my clients) regularly. People: 1. Who drains your energy the moment they speak? 2. Who inspires you and pushes you to improve? 3. Who gives you tough love? (we all need tough love) 4. Who only calls when they need something, never when you do? Things: Take a look at your expenses for the last 3-6 months. 1. How many impulsive purchases are gathering dust? 2. Are you paying for streaming services you barely use? 3. Are memberships providing value or just taking your money? 4. Where is your money truly going, and does it align with your goals? Clutter, whether physical or relational, is a form of self-sabotage. Identify the drains and redirect that energy.

I made a mistake. It’s one I hope you can avoid. Years ago, I had this habit. If I didn't like someone, I dismissed everything they said. It didn’t matter what it was. I wouldn’t listen. I was very stubborn. I thought, “If I don't like you, you can't teach me anything.” Big mistake. Life had other plans. It smacked me upside the head. It forced me to learn two tough lessons. First, people we dislike can still teach us valuable things. Second, echo chambers are terrible for growth. If we want to become wiser, we should seek the truth, not comfort. I realize now that this habit blinded me to different perspectives. This blindness still happens all the time. Look at that Elon Musk speech. I bet many people saw it with their minds already made up. They "concluded" he did some far-right salute. Did they actually see that? Or did they see what they wanted, expected, or were conditioned to see? One of my friends didn’t even watch the video. She saw a picture. That was it. She missed the full context. This is exactly what I did years ago. Dismissing an entire picture based on a single, often misinterpreted, detail. They were just listening to voices that aligned with their beliefs, just like I used to. It's the same pattern: the inability to separate the message from the messenger. Some of my friends get upset when I bring this up. They're still plugged into legacy media, and I try to show them their news is missing. They think I'm being “confrontational,” but I want them to see the whole picture. Don't just listen to what you agree with. Listen to all the voices. You might be surprised where you find the truth. We risk missing so much when we do.

5 harsh truths that dramatically improved my life: 1) Recovering my health isn't optional. It's foundational. 2) Building wealth requires consistent effort, not luck. No math genius required. 3) Free speech matters to everyone. We must protect it. Society needs diverse voices. Silencing opinions hurts us all. 4) Enjoy today. Be thankful for it. I used to postpone joy. Now, I find it every day. 5) Jobs don't need passion, but they shouldn't cause misery. Work should sustain, not drain. Find your purpose outside your 9-5. I didn't go looking for this stuff. Life just chucked it at me. Oddly, the best advice came from weird places.

My client, who's in her 20s, came to me practically shaking yesterday. She'd just visited some friends who spent the whole time mocking her. Her crime? Saving money, investing, and cutting back on alcohol. They told her, "You're only in your 20s! You should be enjoying life like us!" Then they launched into stories of their extravagant vacations and nights out, dropping thousands like it was nothing. But here's the twist: in the middle of bragging, they admitted to feeling bored and unfulfilled. My client told them she's genuinely happier than she's ever been, feeling in control of her life and her future. This just made them push back harder, telling her to loosen up and embrace the "YOLO" lifestyle. But hearing their confession of boredom and seeing their restless energy, she couldn't help but wonder: Is 'YOLO' just a cover for unhappiness? My client's friends spend thousands, travel constantly, and feel bored. She saves, invests, travels & is happier and healthier. Who defines what's a good life? YOU or your friends and family?

Bitcoin. I talk about it constantly. Not with everyone, though. Mostly people in their 20s, 30s, & early 40s. Last year, I had a new audience. My mentor in her 60s and her brother. I sent him "The Bitcoin Standard." Radio silence. I told her, "Hey, check out some Bitcoin videos." She watched them. Her take? "Too risky." I skipped "The Bitcoin Standard" after her brother's reaction. Instead, a documentary felt better. Easier entry point. I sent it back in December. Radio silence. Followed up three times. Finally, she watched it yesterday. She's a lawyer. Chats about money and law with her are never boring. No filters, ever. We talk next week. I want her take. Bitcoin must have sounded insane. Sounded insane to me years ago, too. That's why I sent the documentary. Next week's discussion could be epic.

Connections fuel my day, and part of that includes a swimming lesson happening today! I'm meeting a potential new friend and hanging out with two close friends. One of them is an ex-swim teacher, and she's teaching the other to swim. She even taught the kids of some Hollywood stars, which helped her pay for school. Funny enough, my parents paid for private swim lessons, too, yet I never learned to swim. Will I ever? I don't know. I always dreaded swim class, my stomach churning with anxiety. I'd break out in a sweat before I even got near the water. One ritual my swim teachers used was to toss an object to the bottom of the pool, and then we had to retrieve it. I always failed. I could never reach the bottom. These experiences gave me nightmares. What's your story about learning to swim?

Most people are trapped consuming: Consuming their paycheck Consuming Netflix Consuming market news Financial freedom is an act of creation: Creating systems to invest Creating assets Creating a life you don't need to escape from Stop being just a consumer.