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Many people have asked us to create another New Years post, but there is no reason to do so. New Years resolutions are likely the cause of depression across the United States (no there is no way to scientifically prove it, only basing this on experience). Unlike regular people, we don’t make resolutions, we don’t make goals and we don’t even have a system (although many people have recommended we start a system). We simply spend our time becoming more efficient. With that said, here are several reasons why goals cause depression and why you should eliminate them in general.

How Goals Lead to Depression

Goal Oriented People are Type A and Boring:

Make no mistake, we used to create a lot of goals. Every single educational institution will tell you to create goals and “stick to them”.

The problem is that this will make you miserable for the foreseeable future as you’ll only focus on that “one goal”… for about three weeks… since you made it a recent resolution. Sure doing an activity to achieve that goal near-term is healthy, however, you’ll find yourself thinking about it incessantly and talking about it as well. (Hint: no one cares about your goals they only care about themselves!)

Therefore, when you’re creating your first new goal, you’re going to be laser focused on it and talk to people about it who won’t have any interest in you achieving the goal. In fact, they won’t even believe you will achieve it because every single person you meet will believe they are better than you. This means your goal must be reasonable in “their world view” otherwise they will shut you down. Why? Well if they can’t do it certainly you can’t! Congrats. Since your goal *seems* to live on another planet from most people you speak with, you’ll be labeled as “boring” or “crazy” as well.

Goals Don’t Lead to Happiness:

If your goal is to become a millionaire we can tell you that the day your net worth turns from $999,999 to $1,000,000 won’t make a difference. You will not get some sort of bump in happiness because if you were at $900,000 or something like that, you’ll feel that you’re practically there already. In addition, nothing changes. If you were in shape and a millionaire then you’re a fit millionaire. If you were overweight and out of shape, then you’re the same person with a heavier wallet than before.

Looking beyond that basic piece, you will even suffer from some sort of apathy after achieving your goal. You worked for months or years to get to where you are now and yet you feel exactly the same as you did before (perhaps the actual day was great but certainly not a month after). Now you have to reset some sort of new benchmark which is just a restriction on *potentially blowing past it* if you didn’t have that mental hurdle in the first place! If you wanted a million bucks but changed it to “as much as possible” you’re probably going to think bigger and less restricted (sticking with basic money examples).

Goals Create Frustration:

Many goals start off with big gains at first and then fall off as the gains become less linear. All improvement is non-linear (lots of nothing before a big gap up). If you’re going from $0 to $1,500 the speed can certainly be linear. But. As we work up to higher numbers you’ll find that *event* driven income will drive your net worth once you’re in the seven figure ($1,000,000+) territory.

Expecting that your improvement is going to be linear (for practically anything) makes it mentally more difficult to keep going. So not only are you focusing several hours a day to achieve that goal, you’re also using your will power muscles (yes will power is a muscle) just to keep going. If you didn’t have the goal in the first place and simply allocated a specific amount of time to becoming “more efficient” at that category, you’d never have to use your valuable will power muscles in the first place!

Any Goal Worth Having Isn’t Worth Sharing:

If you tell someone your goal and they think its achievable (vast majority agree) your goal is too small anyway and shouldn’t be talked about. If your goal is unachievable to 99% of people (vast majority disagree), then you shouldn’t bother telling anyone because they will think you’re crazy or boring. Funny how that works, huh?

If you have a real problem you want to solve, you should allocate time to it and let your effort drive the process forward. We don’t know of a single “goal” that doesn’t require time on your part. Even if your goal is to work less and make more, then you’re going to have to sit down and solve that problem by outsourcing tasks and free up time for something else. The planning itself takes time as well.

The crux of the problem is simple. If you want to get better at something you shouldn’t need to tell anyone… it should be a lifelong commitment otherwise you didn’t want it anyway.

If You Miss a Big Goal You’ll Be an Even Bigger Mess:

We all know those guys back in school who thought they were going to be professional athletes or become famous musicians. Many of them failed (maybe you know a few famous ones!). Then they proceed to complain about not making it and living in the past…  explaining how they were extremely good compared to their home town… (Which is not a good benchmark by the way). Oh. Eventually they will exaggerate how good they were to make themselves feel better about being well past their prime.

Announcing a Goal is just as Bad as Motivational Seminars:

You’re doing the same thing as the people who watch motivational videos. Sending a quick jolt of adrenaline (that won’t last) about all the cool stuff you’re going to do and how you just needed to “chew through that brick wall man!”.  Avoid these guys like the plague. Anyone who needs to read about someone else’s success to feel better about themselves should go back home to mommy and get a big hug.

Allocation of Time Not Goals

We already know what the primary rebuttal is going to be. “But everyone should have goal posts and deadlines otherwise they won’t stay on track”. We disagree. All this really means is time allocated to an activity. We’ll break down several examples:

How Can I Sell More Product (Not I want to Sell $100K more):

Okay, in this case you have to quickly review how much you were able to generate last year. How many man hours did you personally spend on it and how many hours did you pay for help? Then calculate how much more time you’d need to do it to at minimum accomplish this (an annual increase). Then take a step back and say “How can I reduce that amount of time”… now you’ll spend a few minutes a day ruminating about this as you try to solve it (calmly), while adjusting your schedule. You now have the *maximum* amount of time needed to achieve this “goal” and instead… You have framed this as a *problem* related to time. Solve the problem.

How Can I Lose Weight (Not I want to lose 10 pounds):

Another easy one solved by time. Calculate how many hours you’re spending at the gym and how many calories you’re consuming. Keep it simple and tally them up and just reduce and increase from there. Since you’ve now framed this into a *problem* (I need to reduce weight) you can now adjust how much time you spend attacking this problem. Another easy one solved by a calculation and you won’t even have to adjust the amount of time per day you’re spending on this problem.

How Can I Have More Friends (Not I need one new best friend):

As a quick reminder, there is no need for some huge crew of friends, you’ll find that you have a handful of real friends and the rest are pretty much hoping you’ll fail. That said, this problem is solved without a goal as well. All you’re really saying is you want to allocate more time to your social life. Stop and think about what type of person you want to be around, a basic frame work. Once that’s done you simply spend more of your social hours in those locations. Again, you’ve framed this as a problem instead of a goal because you’ll increase the number of friends you have over a period of time if you simply spend time in the right markets.

How Can I Speak a New Language (Not I want to be fluent in a language):

Instead of assuming that you’ll be fluent in a specific time frame (very difficult to predict fluency), you can say you want to speak a new language. This can mean basic Russian, conversational Russian, Fluent Russian or Native Russian (where you know the slang as well). We don’t know where you are in the language curve and it doesn’t matter… this is now a *problem* that needs to be solved. You now sit down and review where you are and what tools you need. If you know nothing, you allocate time to free courses online, if you have a basic understanding you should probably make a couple of trips to the country and buy some books at your reading level (and practice)… so on and so forth. You’ll find the same dynamic at play, this is a function of time.

Conclusion:

To recap this, instead of having Goals you’re going to frame your life into problem solving. Problem solving just means the allocation of time to specific topic and potentially resource constraints (then you need to throw money at it to help solve it). Now remember, we’ve stated that goals are not useful because you should never speak about them. Problems are the same way. You don’t talk about your problems to people (they don’t care anyway) so we’ve reduced the chances you’ll even talk about it. (Yes, yes, if the person you’re speaking to is someone you need to help solve your problem then of course you have to tell them what you’re looking for).

Actionable Steps

• Figure out what problems are most important to you and allocate time to sit down and solve them

• Never tell anyone what your problem is (again, they do not care)

• Find a minimum amount of additional time needed to help solve your problem (see improvement long-term)

• Do not create goal posts as they will be a negative reminder of “not making it yet”

• If you can’t find time, you didn’t care about it anyway

There you have it. A short rant on goals and instead we’ve outlined a game plan that won’t require a “New Years Resolution” ever again.

We’d like to thank all those guys clogging up the gym that are now starting to give up. We noticed the dismay as they didn’t get what they wanted immediately and suffered depression within 11 full days!

New Years resolutions cause depression by around February 14 every single year (not for our readers though!).

This article may sting for many people but needs to be written as many people have asked for a blueprint of sorts.

When you really break down life for a man the only four things he is trying to maximize in life are

1. health

2. free time

3. money

4. sex.

That’s it. Nothing more to it if you boil it down.

Unfortunately, most people will fail terribly at this maximization process so they’ll hit their late 30′s when it’s actually time to live off the hard work and dedication they put in the past 35+ years and do not have any source of income.

Compounding the issue, without marketable skills or knowledge you’ll be playing the catch up game when the game is already over.

Sure there are a lucky few who turn everything around but at the end of the day it’s best to have an organized plan of attack.

This site is actually a great example.

30+ year olds tend to ask how to make money, while 20 year olds are asking how to get girls. This is entirely mixed up. It should be the opposite.

When you’re young you should be throwing away health and girls for money as it buys long-term time.

When you get into your late 30′s you can’t work incredibly long hours without doing serious damage to your body making the cash flow you have set up for yourself a significant safe haven.

Health

This will always come first.

The issue is that people use their “health life span” in the wrong fashion.

The best years of your life are not in your 20′s.
You are not a high school cheerleader/prom queen. You should not spend this time partying 24/7.

Once you realize that the phase “YOLO” is really just a way for you to rationalize your flat-lined bank account, you’ll be in much better long-term shape.

In your twenties, your body can take immense amounts of pain and suffering.

Unfortunately most people simply quit, watch TV and take a $50K a year desk job.

If your skillset is low, go work two or three jobs.

If your skillset is high, get a inhumane job that pays the most amount of cold hard cash.

At roughly 27-29 years old your overall stress levels tend to decline and this is really your last shot to make good money.

At 30 you’re perceived as a man, kill yourself those last couple of years to get that managerial level promote and laugh your way to the bank.

If you can’t quite get the jump, kick the insane hours before you hit 35 because your body will slow down dramatically causing serious long-term damage.

Money

This is where you can create a rock solid exit point.

Half a million dollars liquid by age 35.

Always shoot higher than this but anyone can reach this level even with zero marketable skills.

If the two braincells that we have left were destroyed and we’re under 35, the plan of attack would be to take up two jobs with no excuses.

Even two average jobs, call them a desk job at $50K and a low end bartending job at $30K you’re going to be closing in near $100K fast, saving $33K a year, clipping 7% rates on bonds.

You’ll likely and quickly exceed the mark.

Naysayers are going to tell you half a million isn’t enough, these guys don’t know anything so just ignore them.

You’re going to be working past 35 but you’ll take a job purely for status which leads to maximizing point 3.

Sex

If you are a virgin and have terrible relationship skills, then you’ll likely take a year to deter from the above money plan and fix this part of your life.

Once you have the basics down, put it all on the back-burner and get back to work on creating a 40+ year stress free lifestyle when you hit 35 and your body simply can’t take it anymore.

The easiest path to sex is quite simple, fame.

Fame is just an extreme version of being “publicly noted ” or “of power” and the easiest ways to be of miniature public note is to take up:

• bartending

• teaching

• setting up a small business catered to the crowd of girls you would like to attract.

  • Coke anyone? Just kidding – half heartedly.

Before moving onto time, the money and sex importance debate is one that will live on forever.

It simply pins up two extremes where one group argues for sex and are generally broke while the rich guys who can’t get laid argue in favor of their vibrating leather seats but could survive on their bank accounts for the next 10 years.

As usual, both of these extremes are insane.

We recommend chasing cash early because no one can argue that game cannot be learned in 3 years, now ask people around you to wager on them becoming a millionaire in 3 years and zero hands will go up.

Time

Free time is the last piece that men worry constantly about.

Am I maximizing this time frame or that, long-term health, current fitness to pull girls etc.

At the end of the day just remember that the four categories work together.

There are ways to shorten your lifespan, taking up drugs for example, that usually lead to more sex and less money, while there are many other ways to combine – a bartender (money + sex).

In this regard simply compare what the general public is doing and avoid them.

It really is that simple.

If your age group is spending the vast majority of their free time trashed, you should be building a business, if they are getting hitched you should be single, if they are worried about money you shouldn’t be and if they are going through a divorce you should be focused on maximizing your single sex life.

Conclusion

With that in mind, since this article is really meant for someone getting an early start in the game of life, tread carefully as you observe the world around you.

The future is bright, brighter than you could ever imagine, since life comes down to decision making and effort.

Never raw processing power.

As a final note, remember that there is no such thing “hardwork” it should be renamed “correctly applied heavy effort”, if you know you’ll get results that exceed the effort put in you should not care if it is, in fact “hardwork”.

Here are twenty rules that you should abide by in your twenties.

Notably, we have each messed up on at least one of these rules in some form or another but if we could go back and become twenty again this is the blueprint. You can make tweaks to this list as you wish. In addition? You will likely make some of these mistakes even though you’ve been warned! That is simply part of life. Don’t beat yourself up too hard and good luck out there!

1) Minimize Debt

This is one of the biggest items on your to-do list. Debt is a vice around your wrists that is slowly cutting off your blood circulation, if you don’t release the pressure you’ll be dead before thirty… the Prime of your life. If you are able to spend money on assets that depreciate in value (cars, clothes etc.) you better be debt-free and saving large amounts of cash.

2) Change Your Friends

We have given a quick blue print to choosing friends, however, the biggest mistake is not upgrading your social circle as you move on. We know, you read the word upgrade and immediately thought the word is heartless. It is not. You need to surround yourself with like-minded individuals, even if you have known a childhood friend for 15 years, if they begin using drugs for entertainment purposes and falling off of the grid you have to say goodbye. Your life is too short to spend catching falling knives.

3) Learn to Help Others

This sounds contradictory to point number two, however it is paramount that you learn to help those that wish to improve. The key is their interest in improving, if you attempt to convince a man of self-improvement when he does not care, you’ll burn a bridge. Hypercompetitive and intelligent young men tend to develop a “put down” mentality where you compete at each other’s throats 24/7. Not only is this not sustainable, but it also is not healthy and does not help you in your career. Instead, pass along helpful information and you will find your friend count increasing.

4) College Should Be Tough

Everyone else goes to college to drink and try to sleep with hundreds of women. These guys usually end up unemployed or making $40K a year at a soul-crushing job with no skill set to jump into another industry. Their entire life is now 100x more difficult to fix and you’ll be shocked at how difficult it is to come back when you’ve built no foundation. Build a foundation. You can have fun in your spare time.

5) Get Internships: Even if you have a 4.0 GPA from a top university, no one will care if you have zero work experience. In addition to obtaining line items on your resume, you will realize that your network expands drastically. You’ll be in contact with people in their 30s who are well outside of your current social circle of 20-somethings.

*Note internships was intentionally plural.

6) Find Mentors in Their 30s

By the time you are in your low twenties you should have a handful of men to speak to regarding life decisions. Each man does not need to know every aspect of life, however the more the merrier. You’ll quickly realize that your peer group is older than you as soon as you receive your Diploma (MBA or Bachelor's). This is a good thing. Generally speaking, older men make hiring decisions.

7) Your Co-Workers Will Screw You

This is the most common miss. If you are in the same peer group, none of your co-workers are out for your best interests. If you party with your direct co-workers, as soon as layoff rumors begin making the rounds, be certain you’ll be thrown under the bus. See point number one for why they would be more than happy to see you fail.

8) Read Books Daily

If you are not reading books outside of the classroom, you are allowing the collegiate system to have more influence on your upbringing than it should. The act of reading is more important than the topic of interest. You can read about health, fashion, coal mining, animals, chemistry, art, etc. Reading is similar to investing as the payoff is far in the future, one day you’ll have a chance to connect with a higher-up on an obscure topic and ideally, you’ll be able to add to the conversation. Don’t forget that wealthy men and women are typically eccentric.

9) Learn About Basic Fashion

Before we get comments about books beyond finance, you can simply start with learning about basic fashion. Learn what colors work for your skin tone, eye color, and hair color. Once this is mastered, find the right brands to accentuate all of your positive features and build a sustainable wardrobe. Better to learn and earn before you have some cash and see it burned.

10) Exercise Five Days a Week

Unless you are forced to burn through 100+ hours a week for several weeks straight, you should find time to lift weights five days a week. No excuses. Your health is the only thing that will outweigh your aspirations for wealth. A man who has a healthy mind and body with a heavy wallet is free. There is nothing more valuable than complete freedom to do as you wish.

11) Procrastination is Valueless

If you find yourself procrastinating on tasks, it means that you have nothing to do with your free time. In an ideal situation, you are constantly moving and improving your life. You don’t have time to procrastinate because you’re too busy taking action. The day you find yourself sitting and staring at a computer screen for 2-3 hours in a row is the day you either walk outside to exercise or immediately buy a book online. This is the minimum.

12) Ignore the Lazy

You will meet many people who suggest you simply relax and live in the moment. Avoid these men like the plague. You should live in the moment for a calculated risk not to simply feel good for a short period of time at the detriment of your future. Much like investing, 20 years from now they will have a hard time getting by while your life is already on cruise control because you’ve built an unbreakable foundation.

13) Don’t Get Married

No matter what you do, do not tie the knot in your 20’s. The truth is that many women in their twenties are most attracted to men in their low thirties. Run the math. Your future ex-wife is still in high school right now, so don’t fret over anyone within earshot for a long-term relationship. We recommend not getting married but if you decide to keep one, wait until your 30s.

14) Go International

By the time you’re in your mid 20’s you should have some international exposure that will wreck a lot of your current beliefs. By experiencing a new culture, you’ll quickly see how many of your ideals are based on a US cultural phenomenon. You can do this with a single briefcase and you can do it alone. You’ll force your body into survival mode in an unknown city, and your confidence level will grow by leaps and bounds.

15) Face a Major Fear

Heights, snakes, fights, the major fear you have does not matter compared to your ability to tackle it. If you’re afraid of being beaten down in a street fight, you should get into a ring and take a few kicks and punches. You should jump out of a plane if you fear heights and you should even consider purchasing a snake. There is no substitute for repeated exposure to eliminate a major fear in your life.

16) Turn Family Into Friends

For many, your family members are dragging you down and for others, they are a positive in your life. The key is to separate your life decisions from their opinions – their opinions should have no weight on your emotions. At this point, you should not use your family as a safe haven in life. If you lose your job, if you want to move cities, if you want to take a risk, it is on your shoulders. Remove the safety net.

17) Stop Complaining

Maybe you didn’t land that Bulge Bracket job, maybe you didn’t get ranked number one in your class, maybe you hurt your wrist and can’t lift for a month — no one cares. By the time you’re well into your 20’s your interest in complaining should be zero. Complaining gets you nowhere. All it does is increase your stress levels. When you are stressed out, no one wants to be your friend. If no one wants to be your friend, your contact list is not improving and if your contact list is not improving…. you’re dead.

18) Wake Up Early

Unless you’ve obtained a job in investment banking where you’ll eat garbage for multiple years straight to earn your stripes, you should wake up early to get ahead of the rest. Read, go to the weight room, build a website; it does not matter. Your brain functions well in the morning, use your most productive time to invest in the most important person in the world. Yourself and your future.

19) Earn a Voice

Many men will destroy their careers in a few short years by never earning a voice. When you are in your twenties, there is not a single person who will care about your world view so it is best to remain quiet and diligently improve while waiting for an opportunity. Instead of dishing out advice, take advice and remain quiet. As soon as people begin asking you for your contributions you’re officially of value. You have earned your keep in a specific niche.

20) Fail

The last piece of the puzzle is the most obvious and the most undervalued. Fail as many times as possible in your twenties while you have the time to recover. We do not recommend dropping out of college as a failure or taking up a humanities major as a failure (this is simply financial suicide for most), instead, we recommend you fail at trying to create value. Try to create a mobile app. Try to learn how to code. Try to learn a foreign language in a year. Try everything.

Assuming you follow these rules, you’ll look back on your life when you hit thirty and know, not believe, you have done everything to make your life better. If anyone attempts to say you’ve worked too hard, write them off as whiny complainers who have to live with the knowledge that they could have been better. They could have improved, they sold themselves short.

The most common question we receive nowadays is how to allocate cash if you’re going to live the bachelor lifestyle into eternity. This is going to be the first part in a series of posts where we will cover each step in more detail. However the three main steps are broken into two pieces:

1. The initial framework to financial independence

2. Ways to obtain higher income

3. Ways to swing for the fences when you’ve got extra money on the sideline.

1) The Framework

The name of the game is matching investment income to expenses.

We’ll call this the relaxation point.

If you’re correctly living your life as a minimalist we’ll earmark the number at $2,500 a month. Yes this is a low number but if you’re a perpetual bachelor it means that you can live quite a nice life in Thailand while you work on your other businesses and you will be free to work any job that you would like.

NOTE: This article is from 2014, so the absolute numbers slightly out of date. Regardless, focus on the math. For many readers who don’t live in the US (eg all Europoors), $80k is a good fit.

We repeat, you are free to do as you please.

How much is needed to generate $2,500 a month (as an example)?

Lets take a look and you can decide for yourself what amount of cash flow is necessary.

You’ve been tricked.

Look at the chart very carefully. Notice a major problem with a regular savings account? You have no chance at financial freedom with a savings account unless you have over $1.4 million in cold hard cash. If you’re trying to become rich and you are putting your money in a savings account you better be a risk taking entrepreneur because even a man of above average intelligence is going to have next to zero chance at amassing $1.4 million dollars in his thirties by having an investment return of 2%.

Lets make another assumption, lets say you understand that your body is going to slow down and you know you’re going to be half the man you were in your 30’s by the time you hit your late 50s. Not a PC comment and do not care. We are all going to get old so your goal is to maximize your happiness when you are able to enjoy it and at the same time set yourself up for a decent lifestyle in your 50s and 60s.

Assumptions are set. You’re in a race against time to obtain ~$450-550K in net worth, if you don’t have it by around thirty you better start grinding hard. For simplicity, we’ll use $500K as the watermark.

Obtaining $500K

Sounds like a lofty number doesn’t it? Not really. Long-term returns of 7% are not out of the question.

The trick is that long-term means you must ignore your emotions by dollar cost averaging and you are not going to sell a single security or bond. Ride it out. Diversify, dollar cost average, diversify,  dollar cost average. Play the game like a robot.

Here’s how quickly you get to the five handle. We will assume that you are able to increase your income by ~5% on an annual basis, generate returns of 7% and you can live on $3K per month.

Boom. You’re already at $500K and you’re only 31 assuming that you choose your career wisely. Your first job out of college, out of trade school etc. will more likely than not determine your entire financial future. We already know the $53K net figure will be attacked however it shouldn’t. $53K a year net implies just $80K per year gross.

You see the path and it takes 10 years of dedication to get there.

2) How to Earn $80K?

You know that a starting salary of $80K (with our example numbers) will give you an amazing shot at early financial freedom so lets start with how someone can obtain an $80K salary instead. No you won’t be working 40 hours a week and no there is no short cut to making a high income, you will pay a price: 1) mental effort, 2) endurance or 3) physical effort. If you do all three, well you’ll likely beat the 31 years of age mark by a country mile. Remember, you are young and you are in your twenties, the world is yours for the taking since you should be an energizer bunny at this stage in your life.

Mental Pain (require top tier schooling and grades)

High End Finance: Investment Banking, Private Equity, Sales and Trading, Equity Research, Hedge Funds.

High Consulting: Boston Consulting Group, Bain. McKinsey

Engineer: Google, Facebook, Twitter, Salesforce.com, lets go on and on and on with hundreds of tech companies. Much more than $80K out the gate

We know you’re saying “but what if I can’t get any of these jobs”, well how about this:

Endurance Pain (grinding out the hours)

Air Traffic Controller: Requires minimal education but is high stress

Accounting + Bartending: $50-55K a year + 2.5K a month on the side, you’re at 80K

Healthcare + Online Business: Trade schools are only 2 years long and can offer starting pay in the $50-60K range, you get a full 2 year head start and in addition… you can start a simply health website that will generate a few thousand dollars a month.

Now you’re saying these dual jobs are not practical or you cannot go into the top tier trades. Fair enough.

Physical Pain

Firefighters/Police Force: No risk no reward, will clear $80K. If you’re complaining about a few thousand dollars in difference we’ll simply respond that it won’t take you four years to get the job also… government pensions anyone?

Dockworkers:  Manual work. Gruelling. Notice a trend in effort and income? $80K+ out the door

Now that your spirit is uplifted simply join one of these groups. There are hundreds of ways to make $80K a year. None of them are for the following people though 1) lazy, 2) uneducated or unwilling to do manual labor and 3) negative personality types. No matter what you do you’re going to have to put in that grind, it’s going to come from a mental standpoint (getting to a top tier college and top grades to go to Wall Street), physical standpoint (dock workers, firefighters) or from a longevity standpoint (working multiple occupations). Anyone reading this post can make $80K a year.

Final Note: Do not take a job for minimum wage no matter what. If you’re younger than 20 you can pick up a book and read how to fix iPhone screens and create a small time business fixing drunken mistakes in a major city. Do not work for minimum wage for anyone.

3) The Home Stretch

You’ve made it to $500K

Congratulations. If you run the rule of 72, when you hit 40 you will have $1M dollars in the bank. Welcome to the top 2% in the USA (there are roughly 5 million millionaires in the USA) and well into the 1% world wide. You’ve won the game and you’re just now hitting your stride as a man. Lets get cracking on some real wealth creation shall we?

That $5 handle is sitting on the sidelines and you won’t touch it. Close the book it is time to move on to bigger ideas. You’ve got 4-6 years left before you can really take the pedal off the gas if you feel like it. How do you capitalize? Well here are some interesting ideas to get you started.

Venture Capital/Private Investments

Now that you are saving ~$50K a year from your current job, no matter what track you took (we simplified it to 5% increases in salary), you can take some calculated risks. With the world becoming increasingly internet driven you can begin angel funding investments or purchasing shares in the private market. What does this mean? It means you’re swinging for the fences on a Mike Tyson level knock out punch. Generally speaking, most investment types will cause you to spend $25-100K to invest privately. That is fine because the goal is to take large equity swings with your annual savings since you don’t need more than $500K. You’re not searching for 5-7% returns anymore you’re trying to 10x or 20x your investment within the decade. No risk no reward it may go to zero.

Silent Investor

Use your additional cash to develop high level relationships. Similar to our post on politics how do you gain trust with wealthy investors? Well you invest with them and don’t pester them with questions over a long time horizon, once someone likes you the doors open a bit wider. With that said, Private Equity comes to mind as a decent idea, not to be confused with private investments (separate entirely). You create an investment consortium. You buy in as part of the takeout group and you sit and wait and wait. You’re looking for an annual rate of return in the high 20’s.

Lever Up and Fix it

Properties can be dangerous but he who takes on the headache will take on the profits. This is last on the three major ways to take a 5 figure investment and double or triple it in short order due to the level of stress involved. The premise is as follows: buy a high risk property, the risk can be associated with lower income tenants to major headaches due to a short sale or foreclosure… Put down a down payment heavy enough to move your rate as close to 3% as possible (generally a down payment at 25-33% of purchase price will do the trick)… take out a 3 year ARM you’re betting on appreciation…. Roll up your sleeves, or hire someone else to do it, and fix the underlying property (commercial or residential). Sell it, gunning for a flip of 50% of purchase price.

Concluding Remarks

If you don’t get on the investment train early, it won’t be stopping to pick you up any time soon.

If you aren’t a subscriber, here are the recent issues you missed:

• “A Subtle Way To Prevent Girls From Falling Too Hard For You (The G Manifesto, 2012)”

• “how to get an enthusiastic YES”

• “how to be happy at all times”

• “🔴 5 more reasons you’re broke”

In the past, we covered How to Un-Pick up Girls. (Mad Innovative and futuristic. Even most “top” players will only start incorporating those moves in 5-7 years).

Here is a move straight out of The Chambers of The G Manifesto to prevent girls from falling too hard for you:

If you are anything like me and you travel the world, do a lot of “math”, and accomplish it all while Custom Suited Down, you are going to have girls fall for you. And fall hard.

One way to stop this from happening is to tell girls after you swoop them, that you “hate” celebrating holidays.

You see, girls are completely brainwashed by society and “love” holidays.

Ever met a girl that didn’t absolutely love the holidays? Yeah, me neither. They don’t exist.

Telling a girl that you “hate” holidays is somewhat like telling a little kid that the Easter Bunny isn’t real; it blows their whole foundation up.

After the shock waves settle, girls start viewing you as “not relationship material”, which is exactly what you want them to think.

And let’s face it, American Holidays are weesh.

Lets’ break a few of them down:

The Holidays

New Year’s Day/Eve

If you really want to party, you don’t need society to tell you when. And it’s better to do it on a day when every dork is partying and The Police State is in full force. New Years Eve very well could be the only night of the year where I won’t go out at night.

Thanksgiving Day

I like turkey as much as the next cat, and I love mashed potatoes like any good half Irish kid does, but I can have a big meal with my family anytime.

Christmas Day

If you really want to give a gift to someone, you can do it August 1st. Or March 12th. Or…you get the broken picture.

April Fool’s Day

Kind of funny. Also, kind of tired.

Chinese New Year

Maybe would be smooth if you were in Hong Kong or Macau or somewhere. In America? Weesh.

Cinco de Mayo

Phony holiday created by the beer companies. And I can’t stand Tequila (drank a whole bottle to the brain as a kid and I still can’t even smell the stuff). I will pass like Jim McMahon.

Halloween

If you are a “Monster” like Cody, everyday is Halloween.

Mardi Gras and Ash Wednesday

Not too bad, but I would never do again. (And it wasn’t my choice to do it the time I did).

Mother’s Day

I do celebrate this one.

St. Patrick’s Day

Green beer? Come on. And this is from someone who’s Father was born in Northern Ireland. Belfast.

Valentine’s Day

Might be the worst of the bunch.

Any questions?

This all being said, I do dig holidays in foreign countries.

I love the week-long Spanish Festivals in Summertime.

However, America is such a Police State that outside of Mardi Gras, we don’t have any week-long, all-night party holidays.

And I do enjoy Bastille Day.

Hell, the more I think about it, I love Bastille Day; surfing a beach break during the day, picking up on topless girls at the beach and then an all night party with E-Tabs and fireworks?

Count me in.

What do we have to do to get a beach/beautiful topless girls/Bean holiday cooking in America?

Comments

Fishtown
03/01/2012 at 1:41 pm

I’ve heard all those arguments before. Usually only from the really miserable with no family and close friends. Holidays are the shit when you have great people to spend them with. The rest of the days are too!

The G Manifesto
03/01/2012 at 2:31 pm

Fishtown –

So why not just spend time with them on the rest of the days?

“I’ve heard all those arguments before.”

Really? You have heard the “beach/beautiful topless girls/Bean holiday” argument before?

Where?

– MPM

Michael Porfirio Mason
AKA The Peoples Champ
AKA GFK, Jr.
AKA The Sly, Slick and the Wicked
AKA The Magic Man
AKA The Voodoo Child
The Guide to Getting More out of Life

Great things require people to accomplish. It’s rare to achieve a significant milestone entirely by yourself - more often than not, others help you directly or indirectly.

Getting help requires them to first answer “Yes” to your request. Here are examples of things you might ask for:

• Warm intro: “I’d love to meet your friend from X company. Would you be o…

Read more

The truth is that consistent happiness is going to take years of work. Not weeks. Not months. Years.

As we have mentioned in the past the goal is to live a balanced life. If you are unhappy this means that your life is out of balance. We are 100% certain that this is an important topic since most struggle with depression

Outline

1. Why it is Normal to Feel Unhappy When You’re in Your Early 20s

2. Avoiding Junk Reading and Why We Don’t Post Much

3. How to Strategically Fix Your Life and Become in Balance

4. Avoiding Hero Worship

5. Continuing to Progress Once You’ve “Made it”

As usual, if you already understand a section based on the headline alone… Don’t read it.

Why it is Normal to Feel Unhappy When You’re in Your Early 20s

We get a ton of emails. We get so many emails that we *rarely* respond and only allow comments.

Most of the questions? Surround happiness and imbalance…

The problem with a lot of these emails and questions is that it is normal to be unhappy/frustrated in your early 20s

Anyone who says otherwise is likely an older *boy* who is passing on his insecurities to you.

“If I was your age I would be thrilled to be alive! I would do….”.

Congratulations, you’ve met a retard. Full retard. Smile, nod, agree and ignore. All of these older people who claim that they would be thrilled to trade places with you *without any actionable advice* are all insecure morons.

The worst part? They probably make $150K a year and have the audacity to give life advice.

What a joke. If the person cannot give you actionable steps to improve your well being starting *right now*, you should ignore him completely.

Here is why it is normal to be unhappy/frustrated in your early twenties.

1. Distance:

The person you want to become and the person you are today are far, far, far apart. The person you want to become seems to be on a different planet and this causes a lot of *frustration* because you want to improve rapidly.

The problem? Improvement is never linear.

This is exactly why you should only make self to self comparisons.

Do not compare yourself (today) to the person you want to be in 20 years. This is not fair to you and your psyche.

Compare yourself to who you were *last year* and see what happened. If you didn’t improve drastically, you know you’re taking advice from the wrong people.

2. Social Life Issues:

Here is a fun fact. Most people who read this blog (ones that will eventually succeed) likely have very few friends right now! (they’re introverted)

Bet you weren’t expecting that.

Why? If you are doing the opposite, then you are going to ostracize yourself quite a bit from “regular people”. You’re going to watch as many people party hard (hook-up) while you focus significantly more on building a business or pursuing a career (or both!).

3. Low Value:

In the eyes of society, just like a brand new bottle of wine, you’re not going to matter much.

You’re just getting started.

Everyone is telling you that they are “jealous of your youth” and yet you’re actually going to be jealous of the people who already have what you want!

It’s a conundrum.

People are yelling in your face that they wish they were your age. But. Society doesn’t care about you. There is nothing you can do to reverse your value in a short period of time. Instead of dwelling on this fact, simply go out and find *actionable information* to fix your issues.

4. Money:

Even if you get an investment banking analyst job paying ~$150K a year… You’re going to be broke. As we have explained many times in the past, no one gets rich making $200K a year and no one ever will. While this sounds like a lot of money to a person who is still in college… Anyone who has actually succeeded in life and is aspiring for more, knows that it is nothing.

5. The Truth Hurts:

Finally, the *biggest reason* for being unhappy in your twenties is exposure to the truth. Smart people consistently look for the truth and you go through huge amounts of frustration when you recognize reality for what it is. You cannot change reality. You realize the following truths:

1. six figures is nothing

2. your college degree was practically useless, excluding maybe 3-5 courses

3. real life is significantly harder than college

4. girls do not like younger men (don’t worry, it gets better as you close in on 30)

5. everyone and their mom is trying to prevent you from going up the ladder because *no one likes to see someone below them exceed them*.

That is a lot of harsh truths to swallow. A LOT. The only thing you can do is change your strategy. Realize the truth for what it is and grind. You will be rewarded in about 5-10 years not 2-3 years.

Concluding Remarks

It is normal to be unhappy/frustrated in your early 20s. Everyone is lying. Your colleagues are going to load up photos of their posh lives (on credit) hook ups on “tinder” (photoshop) and do everything in their power to make you feel insecure. Here’s a tip. Know they are lying.

Simply ignore all of it and amplify their comments back to them. “Congrats I’m glad things are going well! (smile, nod)” and move on with your life. It is going to take an immense amount of discipline and self restraint to follow the rules outlined on this blog which is exactly why we give it away for free.

99.9% of people won’t follow through and would rather “read about success” than do what it takes to actually succeed. The choice is yours.

*Note: For a pro-tip, start referring to times when you’re frustrated/unhappy as “annoyed” you’ll find that your word choice will temporarily change how you feel. As your life improves, you’ll find it easier to remain in a state of happiness. We simply used the words frustrated and unhappy because this is how most people will describe their current state.

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Avoiding Junk Reading and Why We Don’t Post Much

This section is also going to piss off a lot of people… A LOT of people.

Just because you are reading something doesn’t mean you’re learning anything *applicable*.

Information overload is legitimate and it is taking place all over the world.

As we’ve said before, if the blog post or book does not have anything actionable in it… you should chuck it into the trash can.

You should have a 90% action 10% consumption mentality.

Reiteration: 90% action, 10% consumption.

Example 1: Lets say you just got your first investment banking bonus of $70K. You want to reward yourself with a trip to Latin America next year. Perfect. You read the post we wrote on it and then you get to work. Notice… If you do not have plans to ever visit Latin America… Then there is no need to read the post!

We realize this is negative and will likely decrease page views to the post but it does not matter.

If you don’t need the information then why are you reading it?!

Example 2: Lets say you want to get into Wall Street. Great. You should absolutely stick around, read our investment banking Q&A and go through all of our Wall Street posts.

The Catch? Do not read a post that does not pertain to you. It does not make sense to read our posts on office politics if you have not even obtained an internship on Wall Street… correct? Correct again!

Be honest about where you are in your career or business and read the posts that pertain to your situation.

Example 3: Reading for motivation. Get out and never come back to this blog. We have ended those types of posts forever. You should be able to give motivational speeches not be on the receiving end of emotional non-sense.

Example 4: Wasting the time of successful people with irrelevant questions after reading a post that does not pertain to you. If you are not in position to take action it makes no logical sense at all.

With the examples out of the way you should take a hard look at what you are consuming.

• Where are you today?

• Where do you want to be?

Now choose a few select posts to read and keep track of information that you find valuable.

News flash. Anything that makes you *feel* something is not useful. Feelings are for people who want to be entertained.

How to Strategically Fix Your Life and Become in Balance

Now that we’ve destroyed the myth of being happy all the time in your early 20s (if you’re not grinding and pushing your limits… you won’t succeed), lets move onto the more important topic of how to actually fix your issues.

As always… No action steps = waste of time.

We have mentioned that the most important items in your life are as follows:

Health -> Money -> Friends/Relationships.

This order is 100% true. You can only make money and have friends if you are healthy. If you have a lot of money… you have time to make more friends and establish relationships. On the flip side… If your health declines rapidly… You will likely lose both money and friends. Your money goes to fixing your health and your relationships falter as people are *busy* and the world does not revolved around you. Period.

Health:

First of all, you should not sleep 8+ hours per day. This is complete BS. A rule created by mediocre people who haven’t accomplished anything. Throw this in the trash. You do not need more than ~6 hours of sleep on average when you’re under 25 because your body can take an immense amount of stress. As you get older, you won’t be able to do this, but an all night work-a-thon here and there is not going to harm you… At all.

With that myth broken down, here’s a high level way to think about fixing your health.

1. maintain a healthy diet

2. have a solid exercise schedule

3. eliminate unnecessary stress (e.g annoying people you can avoid)

4. begin eliminating major stress *after* you achieve your financial goals

We rarely use the word must. But. You absolutely must have a healthy eating and exercise routine. No exceptions.

Since this is an overview post here are some clear steps to fixing your health:

1. get into an animal-based diet – read Paul Saladino’s book on being Carnivore as an example

2. stop stressing about things you cannot control – you will always feel bad if you think you can control the uncontrollable… stop it!

3. exercise at minimum 5 days a week, we have a full 7 day a week schedule because it sets the bar higher and will likely result in people exercising for 5 days

4. get more money… the more money you have the lower your anxiety levels

5. stop taking health advice from people you don’t want to look like.

That should cover the high level actionable advice. If you’re eating well, working out and seeing your investments grow at rapid rates… your health will improve.

Finally, please do not “stress out” if you miss a workout or you can’t eat perfect for a day (life gets in the way 10-20 times a year). That defeats the entire purpose of eating healthy and working out.

Money:

Stop reading “about” money and only read actionable advice about getting money. If you’re one of those people who follows the Instagram account of a rich celeb such as Andrew Tate, you’re pathetic. A complete and utter loser. Trying to *associate* with someone who is living the life is like wearing a sports jersey. You are not getting any closer to becoming an “MVP” by wearing that jersey. Stop trying to win by association. This is how losers operate.

Instead.

You are going to find your talents. You’re going to do this the HARD way. You are going to try a bunch of stuff utilizing the power of 1% and you’re going to see what you have a “knack” for. Maybe you’re a great chef… then you need to create a business after 5-7 years of working in the restaurant industry. Maybe you are a fantastic fiction writer… Get to work on that first book. So on and so forth.

Now. Once you know exactly where your talents lie…

Start marketing/branding your talents. Help a winner become even more successful. Reiteration. Help a winner become even more successful.

If you truly have a knack for a topic, we’ll draw the line at top 5% in your industry/space, then you will find a way to add value to the guys in the top 1% or 0.5%. No doubt about it.

Instead of spamming your “heroes” (more on this later) - you are going to find a way to expand his/her bottom line. This is the path to success. Once you can successfully improve the business of the elite, you will now have an *opportunity* to succeed. Emphasis on opportunity.

The true elite will happily give you a shot if you show your worth. But. Nothing is given away for free. Stand in the limelight and do everything in your power to succeed.

There is a clear point here. If your money is not “in balance” then you need to de-emphasize other areas of your life and start going through our clear posts on how to make money (business or career).

Friends/Relationships:

For some reason… Young people in their twenties think that successful people have hundreds of friends that they talk to *all of the time*. As usual… Complete BS.

Successful people have a laundry list of friends that they connect with on *rare* occasions.

How can you possibly have your health and money together if you’re spending 20+ hours a week talking to your friends about “life”? Not possible. This is what gossipy women do. They chit chat all day about what is going on around them.

No one succeeds like this. You will have a group of people you talk to in order to grow your sales/business and then you will have a laundry list of contacts that you speak to on an “off and on” basis.

Secondly, your sex life is going to be directly proportional to 1) your value as a man + 2) your time commitment to meeting new women. You know our rules. Two days a week of night life is more than enough (Thursday/Saturday).

Think about it. If you know that your value as a man and your time commitment to “pick up”, are the only factors to achieve success with women… what’s the best *long-term solution*? The best long-term solution is to become a high value man. You cannot change the number of hours in a day.

Spending 40 hours a week day gaming and night gaming to pick up girls at the expense of your overall value is… insane. Unless you plan to make a living off of “pick up”, you are going to become a deranged person.

Concluding Remarks:

Prioritize correctly. Health -> Money -> Friends/Relationships. If you are lacking in one of these categories (severely) you are going to become unhappy.

This is why you can find people who have 50+ girls a year that are unhappy (usually broke) and guys who have $1M + that are also unhappy (usually terrible with women).

Stop and address the issue. Remember. The order of priorities are the same…If you end up having $1M+ and a fit body…

You really need to work on your social skills if you are unhappy. Take time off and work on it.

Leave a comment

Avoiding Hero Worship

We’re getting closer to the finish line. You have read the first three sections and have a written down *game plan* of what you need to improve upon.

1. If you are unhappy but rich… you have clearly circled “game” as a top priority.

2. If you are doing well with women, have money and are suffering from back pain… Health is now a screaming number 1 priority.

3. So on and so forth.

With the priorities out of the way you should now only read about *actionable* advice and cut out the useless blogs/books. If it is not giving you anything you can actually use, you’re not going to take the click bait.

Now… onto the avoidance of hero worship…

There are several solid blogs and books out there. It is absolutely fantastic to keep in touch with those authors and make sure you build a relationship so they answer your questions for you in the future. But. These authors are human beings and they are not immune to ups and downs in life. Do not beg for “retweets”, “page links”, “promotions” etc. Earn it yourself.

Once you earn your keep by delivering *value*, when you ask for signaling of a new product or special post people are going to happily oblige. Delivering no value and begging for promotions because you have been a “long time follower” is retardation.

Deliver value and signal when important issues arise.

There is a huge trend where people are thirsty for approval from their mentors. This is not healthy.

Stop sucking up and start moving up.

Everyone reading this blog is going to be talented at *something*. Find that talent. Build that career or business. When you’re getting traction, reach out and flag it when one of your “heroes” has a problem in the same space. Since we like examples, here’s a great one.

Example: You are a fantastic style consultant. You find that one of your “heroes” (see guy who has helped you in the past with his blog/book) is going on television for the first time. *Opportunity to shine*. You reach out to this person and you say you’ve been a style consultant for 5+ years. You then help him with his wardrobe for free and *boom* he is happy to send new business your way for the next several years!

That is how it is done. (this may or may not be a real life example, wink wink)

Concluding Remarks:

No one is a hero. Everyone fails in life. If you are gaining value from a specific person, keep them in mind as you build out *your own dreams* not a “copy cat dream”. When you are following your own path and find your own niche, the opportunities are going to arise over time and you can build a much better relationship that way.

Continuing To Progress Once You’ve “Made It”

The final frontier. You have it all. Or so you *think*.

You’re healthy well off and you have no problems socially.

What else is left?

The answer is giving it all away (no we don’t mean the money which you can give away when you’re dead)

People keep asking us, why are you giving away all this information.

Most people charge for interview guides, they charge for the finance advice you guys know and they charge tons of money for your sector overviews. The answer is simple, philanthropy is best served through results.

Everyone else believes that giving money away is the best way to improve a person’s life.

It is not.

We’re happy to donate money here and there but whenever you donate money without the person earning it? You end up creating a person who is reliant instead of *self-reliant*.

Homeless people get money all the time and yet they end up on the same street corner 3 years later.

We teach self reliance.

Finally, for those that are wondering why still have paid subscriptions… Two reasons:

1. we can overload you with information and you won’t do anything with it

2. psychologically, people are more resourceful with their time and more decisive with their actions once they stand to lose something (in this case - the invested money in the subscription)

3. for fun1 - to treat us to a few cigars

On that note, before we reach to this piece’s conclusions:

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Conclusions and TL;DR Version

Some of our posts are very long in length (an average of roughly 3,500 to 4,000 words) and if you’re smart you probably want a summary of the actionable steps to become happy. Below are the tiers, clearly laid out since a lot of description was given.

1. When you’re young, being frustrated (annoyed) is a *normal part of life*. You are in transition and you are going to go through the pain to improve. Embrace the pain and go through it. Don’t complain or fixate on it.

2. People are unhappy when their life is not in balance which is primarily related to health -> money -> friends/relationships.

3. Find your imbalance and shift your time to that activity

4. Stop reading junk you don’t need. Don’t read a post on how to take a company public if you don’t even have a business. Don’t ask about “hiring a sales team” if you haven’t even sold 10,000 units. You’re wasting time. Mental masturbation.

5. Stop sucking up and start moving up. Find a way to add value to a person’s life and he/she is going to help you as well. This is how life works. This is why the rich get richer and you should be *happy that this is the case*. If you’re not trying to suck up then you’re going to move up the stack in a *non-linear* fashion.

6. When you are truly excellent at a task, you can begin giving it all away. This is far down the road. When you have everything you want you should teach the basics without ruining your life. You’ll be happy when all of the successful emails come in. If anyone is counting we have now cleared over 100+ acceptances into Wall Street (still 100% placement ratio from non-targets that we have specifically worked with.)

There you have it. The truth about being happy is that you need to enjoy the process and it definitely DOES get easier.

We realize the “tone” here is not “happy” because that is not reality. You have to *earn* happiness just like anything else in life. Ten years later? You’ll only care about one thing.

This is a continuation from a previous piece. Don’t forget to read last week’s edition for the first 5:

6) You Vilify the Rich

The vast majority of rich men and women have created a business to offer a product or service that helps people. To say they did not earn it or inherited a trust fund is to quickly rationalize your own failures in life.

Yes, those do exist. But to say that this is the “only way to get rich” is a complete and bold faced lie. Go and look up the latest millionaires and billionaires. If a 17 year old can build an iPhone application and sell it for $30M (looking at you Nick Aloisio) you’re simply making excuses if you think you can’t earn a measly $100K a year working hard.

7) You Are Stuck in the Past

While everyone else is working toward a bigger and brighter future by working 60+ hours a week, hitting the gym, eating healthy and talking to girls non-stop you’re ruminating about that one time back in high school where your team won the “league championships” and you got laid. No one cares.

If you’re trying to relive memories, we hope you are 80 and those memories are packed with stories of success. Otherwise you’re wasting your time.

8) You Overspend

The difference between frugality and minimalism is this, minimalism means you don’t need to be frugal if you don’t want to be.

If you are worth $10M and you enjoy shopping at Walmart no one can say anything to you because you have the cash to buy other items.

If you’re not saving any money and don’t have any money in the bank the joke is on you for buying that new iPhone when you receive less than 1,000 emails a day that need responses.

9) You Know It All

On this site, we mainly takl about finance and girls. We are not going to give advice on cardiac surgeries, big law, consulting or running a Chinese food chain restaurant.

If you attempt to comment on everything you will eventually have nothing.

Find a niche market to become an expert in, do not attempt to be a scholar if you can barely send a simple and short email to deliver a point.

10) You Don’t Pave Your Own Path

Assuming that you do not meet any criteria in all 9 reasons above (incl. the previous article), and you have had strong mentors in the past, the last step is to make it on your own.

If you don’t do it - you will remain broke.

You are likely already incredibly successful as you’ve developed unbreakable confidence. The last step is a culmination of a successful past. You are now ready to make the final leap of faith down your own road to success. If you choose not to, you will regret it for the rest of your life. Pain today or regret tomorrow.

If you are at the tail end of this list that is good news. You know there are only two choices in life - recover or quit.

Most need to live through all 9 steps before making the last leap of faith. At that point you don’t care if you fail because you know with certainty you will recover.

So now it is time for the guys who are currently doing nothing to take a look in the mirror and honestly ask yourself why am I broke?

Cold Approach (Job Hunting)

💬 XDAYS says

Cold approach is god. Case in point:

I went into last week with $20 in my savings account. I ended the week with a $100 an hour job.*

I would never have landed the work, had I not went out looking for it.

* It’s a gig where I only work like two hours a week. Still, not bad though.

💬 Wall Street Playboys says
You made $200 per week in 2 hours. Instead of trying to save $10 an hour scouring for coupons.

Most people prefer to live in a mindset of poverty than go out there and take action. Taking action is 90% of the battle. Don’t worry about “the truth” getting out there most are too scared to try.

Ego Barriers

💬 Dave says

Reminds me of Ray Dalio’s concept of ego barriers. Ruthless introspection and adapting all the way to the bank.

Fear

💬 Fubar says

Fear is what stops you.

1. Fear stops you chatting to that girl: “oh what if she says no or tells me to fuck off” who gives a fuck you tried unlike the other 90% of men just looking at her and saying oh she cute, i’d love to fuck her the doing nothing because fear stops you

2. Fear stops you starting that business you always wanted to start if it fails it fails you learn from your mistakes
   

Most millionaires have gone broke a few times before making a success

3. Fear is evil

Tell fear to fuck off and start doing shit you never normally do, what is the worst that will happen honestly

I once decided to move abroad fear stopped friends coming with me, it will never work out or oh you be back etc…

They were right - I was back 8 months later. But during those 8 months I was living in a hot country and enjoying life whilst meeting new people and yes I was working as well friends and I work online so bit easier

What did they do? Same shit. They always do work, sit around moaning about money, work, life and most annoying how they want to do more like travel they had chance to but fear stopped them.

See I know a lot of people that have broken the above rules (me included) at times but number 8 stands out the most

I know people driving around in £80,000 cars struggling to pay the finance, have all the latest gadgets, all the cable channels, buy expensive designer crap but cant afford it. Champagne lifestyle on lemonade wages

Then everyone I know who has money or does well spends money but not on shit they dont need or that ties them down

Fuck you fear
Im a fucking lion

Honestly that is what I say to myself sometimes, and no im not on medication ha

Anyway my rant is over some will think this fucking idiot is crazy some will say fuck you fear

If you make a decision and it goes wrong at least you gave it a shot

my grandad one told me a great qoute that makes me smile

Bad decisions make great stories

/rant over

1) You are Cynical

Don’t get us wrong - it is not easy to be optimistic nowadays. But if you are cynical you will continue to fail.

If you believe everyone is out there “to get something” from you that means this is what you yourself truly believe is the “true nature” of humans.

Your mind is stuck in a negative feedback loop.

If you are negative about the helpfulness of others it is most often because you aren’t helpful yourself.

Break this negative belief system. It is significantly harder to bring someone up than it is to attempt to drag someone down.

2) You are Not Actionable

You are wasting your time. If you cannot work up the courage to cold email, cold phone call, walk up to a girl and say hello, then you don’t deserve anything.

If you’re not failing you are losing.

You need to fail. No failure no growth, no growth no improvement, no improvement no happiness, no happiness and you’re on a downward spiral.

The harder you work the luckier you get.

3) You Believe You Are Important

No one cares about you.

Repeat after me, no one cares about you.

The only way someone will care about you is if you help them or you add value to their life in some way.

The truth is in order to become important you must become of value at that point you can give back to people who will undoubtedly help you in the future as well. Everyone wins.

4) You Don’t Take Risks

If you are 18 years old and you believe spending the $5K you have saved up in stocks is a good idea - you don’t deserve to be rich.

If you are young the most important business you must invest in is yourself.

Build equity in your brain. A few extra thousand dollars investing in yourself to learn how to code, learn a language, read books will outweigh the $350 a year you earn by doing nothing.

If you want to become rich with no risk, please leave this website because the truth is hard work and risk are the only ways to make money, if you believe in guaranteed success with no hard work or risk we know who you are.

5) You Complain

This is usually similar to cynicism but is even more apparent. Be honest with yourself:

If one of your close friends was asked in confidence under oath if you are optimistic or pessimistic what are they going to say?

If you know in your heart the answer is pessimistic you need to change your life today.

Do you look up to anyone who is a captain complainer… All signs point to no.

Lets look back a mere 50 years.

In 1975, we didn’t even have the internet.

• We didn’t have AI.

• We didn’t have electric cars.

• We didn’t have “low cost airlines”.

• We didn’t have cell phones.

• We didn’t even have a CD player!

There are so many things that we did not have that it could take a full day just to list them into a single post.

That said we’ll highlight every reason to believe this is the greatest time to be alive.

1. Information

This is the #1 reason to us. Information can be obtained in less than five seconds.

If you have a smartphone or access to a computer (even at a *free* library) you can learn about any topic in the world. You can learn about sports, stocks, automobiles, fitness, technology, dieting, etc. All the information is already on the web and it requires $0 to obtain since you can access this information by walking into a public library. Not to mention you can get ChatGPT to speak it out to you.

Obtaining Information

Since we’ve started with getting things you need, we can see that obtaining information is quite easy. There are websites and blogs today run by people with decades of experience. In addition, they don’t even receive a high number of page views. If a regular person wants to feel good for a moment he can simply search for “motivational speech/website” and get pumped up for nothing. If a smart person wants to learn how to sell, that is also available in a simple search as well.

There is no barrier to obtaining information today.

Sending Information

Sending information is now free as well. If you wanted to tell your closest friends about a new investment? You had to either use a telephone or send physical mail.

Now? You can simply go into the internet and click send from an email address. Free.

Sending large documents was once costly, and is now completely free as well. If you wanted to send a 2,000 page report to someone… You would be forced to use standard mail. Now? You simply send it as an attachment.

There are zero barriers to sending information today.

Storing Information

For those that worked in investment banking… Can you imagine going to a physical data room versus a secure internet based data room? Well… That is exactly how it was done in the past.

To obtain SEC filings they had to be sent in the mail. Documents were stored in physical storage containers. It is simply unbelievable to see how much has changed.

There are zero barriers to storing sensitive information.

Securing Information

Even for the cynics out there, we don’t see any barrier to securing information as well. If someone absolutely needed to write a document and secure it forever, that can be done with a basic computer. Never connect the device to the internet, write the document, place it on a USB stick and delete the document (destroying the computer as well). No one needs to go to this level of extremity, however it can be done.

There are zero barriers to securing information.

Accurate Information

With a little bit of intelligence, you can be certain that the information you are obtaining is also accurate. Why? Only go for information that can be tested and proven.

Going only for proven information means you will never get a material edge over the competition.

But it means you will build a fundamental baseline of skills.

This is an incredible advantage.

95% of people want to be entertained so they will spend their time getting information related to pop culture and “feelings”… They will consume millions of stories about making money that give no practice advice.

You on the other hand? With a few clicks you can build baseline skills for practically anything… for free.

There are zero barriers to obtaining accurate information.

Conclusion:

For free. We cannot stress this enough. For Free.

You can obtain, send, store and secure information. In addition, with a little bit of intelligence you can see if the information is accurate or mumbo jumbo used to attract the masses. This section alone makes today the greatest time in history to be alive. All of these things used to cost real money. But it gets better.

2. Making Money

Anyone can make money if they simply want to try. If someone cannot make money today, they are saying quite literally: “I have no skills and am unwilling to acquire any”.

Even if someone is located on a mountain in a remote part of the United States… All they need is an internet connection. After obtaining an Internet connection they can offer services to people in wealthy parts of the United States. These basic services can include cooking, cleaning and fitness training. They don’t even need to be there before they obtain their new line of work.

How much does it cost to travel across the entire country? About $200 by train. While this is an example of the extreme low-end… lets look at more logical examples.

Internet Customers

It can cost $150,000 to start a brick and mortar (commercial real estate can get expensive). With that $150,000… You could buy millions of entrants to your website! Depending on the cost per click (what region you’re targeting) you could get well over 1 million visitors in a day for the same price.

Let’s think about that scale for a second.

How long would it take to get 1 million visitors into a single brick and mortar? A Year? A decade?! We don’t even want to know because we’ll never get into that business. Ever.

No Barriers

How much does it cost to sell someone else’s product? $0.

That is right. With a few clicks on a computer screen you can start selling someone else’s product today. You don’t even need to own the product or be on their staff! All it takes is a few clicks and typing information into a computer screen.

This means you can have two income streams with lightning quickness.

Not only that but if you’re smart, you can buy a few accounts and make sure none of the sales are linked physically to you (unnecessary, but for those uninterested in fame/publicity it can be done).

Shift in Business

WSP moved on from two industries in less than 5-6 years. Lets think about that for a second.

In just 5-6 years there have been *two* business shifts. You can start with a career on Wall Street, shift into online sales and shift into selling your own product within less than 5-6 years. Can you imagine trying to do this in 1977? “Hi, I’m going to sell Jewelry to women after 5 years of being an automobile mechanic”… Back then people would laugh at you. Today? Not so much because you could begin this process *while* you’re still fixing cars to keep the lights on and the bills paid.

Honey Pots

There are two ways to make good money:

1. go where the money is

2. go where the money will be in the future

If you go where the honey pot is today, it may not be there in a 10 years. But. You can absolutely put some money away to get your neck well above water.

Once your neck is above water you can then spend all your time focusing on where the money will go.

Finally, if you’re brilliant, you’ll know where the money is going to go. We all know what that means. Use what is making money *now* to fund new projects… where the money will go. Back in 1977? Information was consolidated into special groups and it was difficult to get up to speed.

Acquisition Prices are Low

Put a dollar in and get a dollar back within a year… The rest will be profit. If you told someone this back in 1977, someone like Warren Buffet would buy it with millions of dollars before anyone had the chance.

The funny thing? This is happening right now. You can buy e-commerce companies that are poorly run for 1-2 times earnings and get your money back within a year (the remaining pure profit). You don’t need a million bucks, you don’t even need $100,000. What do you need? Information… Which is free!

Services Through the Roof

Lets take the final item, the “low-end”. If someone doesn’t want to do anything listed above. They don’t want to work in a career. They don’t want to start a business. They don’t want to make a lot of money, they just want to get by.

The answer?

Move to where rich people live.

Rich people do not want to feel an ounce of “discomfort” in any way. Offer a service. This can be babysitting, cooking, fitness help, etc. By targeting the wealthy, you’ll earn a median wage with relative ease.

Investing

We now have access to *practically* any type of investment project we like.

If you’re interested in private real estate deals? That is available to you right now with no need to be an institutional investor.

If you want to invest in the entire S&P 500… that can be done now.

If you want to buy options? That can be done with a few clicks. So on and so forth. Oh and one last thing… it can be done for a few dollars with thin spreads (Anyone else remember when stock prices were listed in newspapers with numbers such as 1/8? We do.)

Conclusion

Everything that is needed to make money can be acquired for significantly smaller prices. You can obtain the information for free. Start the company for a fraction of the cost. Acquire customers for nickels and dimes. Run multiple businesses at the same time. Start a new one without dropping the ball on your current project and worst case scenario? Offer a service to keep the lights on.

Health

Time and health are the most valuable items in our lives.

Better health gets you more time and time is the only thing that you can never get back (money comes and goes but you can always get it back).

All that said, it is third in this list because it was possible to live a healthy life 50 years ago as well.

Technology

With advances in technology we are living longer. Since we can use a computer to make money, our bodies last longer. In addition, healthcare technology continues to get better. Surgeries are more accurate and the medicines being created today continue to be more and more potent solving more and more issues. Overall? Technology has helped improve our healthcare system.

Data and Analytics

With more information on longevity, we can now come up with our own conclusions on how to live longer. We have information on the life expectancy by country.

This means we can go ahead and make some broad conclusions. As you travel the world (undoubtedly you will or already have), take some mental notes on the life styles of the people in each country.

Use this to create a basic “mosaic” of the keys to a long life.

• Are the people happy?

• What do they typically eat?

• How do they exercise?

• How much rest do they get?

• Are they physically bigger, smaller, taller or shorter.

So on and so forth. Can you imagine trying to get this information 50 years ago…. We don’t even know where we would begin.

Access to Equipment

Obtaining a gym membership can cost you a grand total of ~$1 a day. While it can certainly cost more, if you simply need access to all the equipment necessary to train without buying it all (thousands of dollars) you can do so for about a dollar a day.

By the time you’re done, using all of the equipment for a few short years (lets say you spent $1,000), your body will see a parabolic improvement.

If we wanted to do this 50 years ago, exercise equipment was difficult to access.

Personal Life

It does not matter what your interests are. You could be interested in cats and dogs. You could be interested in making money. And. You could be interested in fiction books. With the internet you can easily connect to someone with the same interests as you.

The Other Side of the Screen

While everyone assumes that the “other person” writing comments, blog posts, forum posts etc. “must be a loser” this is simply not the case.

If you provide high quality information on a topic, people in the *know* will immediately reach out to you.

It is simply not possible to have 6 billion people connected to the internet and have 99% of them be “losers”. In fact, several readers of this blog have already figured out what industries we left (we have left two so far in just five years!). Why? They simply read the blog posts.

What does this mean from a social perspective? It means that there is no real barrier to meeting new people. You can find someone who lives in Chicago even if you live in Rome. The person in Chicago can then click on Skype and call you to discuss a topic you’re both interested in. Naturally, no one *needs* to do this, however it is possible with the internet. As you can imagine, we don’t recommend socializing on the Internet, but… it can be done.

Live Information

There is no need for a relay of information. Those days are long gone. A news report seen “Tonight at 6pm” is typically old news. You can now receive information *from the source* as it happens with a simple click of a button. Why would you take information from someone who spent 2-4 hours to decide how it should be displayed when you can see it live right now? It doesn’t make much sense.

From a personal life/social perspective, you can now obtain accurate information real-time and dissect the meaning yourself. No need for an intermediary anymore.

Concluding Remarks

This post was written in less than an hour. We’re not saying it was done intelligently, but we are saying there are too many reasons to list. We could probably write for 5 hours and not even scratch the surface! There are a gazillion reasons why we live in incredibly prosperous times - you just need to open your eyes to it.

If there are more reasons to add please leave them in the comments.

Time is the most important asset you have. Period.

If you believe in God, that is perfectly fine.

Just don’t believe you have a second life because you may lose the one you’re living right now.

Whether you are 25 or 50 years old, you’re closer to death after reading the end of this sentence. And it comes faster than you expect.

Don’t waste time.

Types of Time Wasters

These people make up 90%+ of the population. They have no niche knowledge and are unable to provide an intelligent or different perspective to any conversation.

How do you know? They haven’t taken the time to build any skills. Instead they consistently look for influencers to tell them what to think, and they look for immediate results. All without learning the process behind it.

No, you are not going to know a lot about everything (and you shouldn’t because a jack of all trades is broke). BUT. You should have a deep understanding of at least 3-5 subjects before you even bother asking for solutions to a specific topic.

Since we like examples here are some classic time wasters.

Too Lazy for Search Engines

If you didn’t even bother searching for 30 minutes to an hour for the answer, you may as well tell the world you’re a fool.

• Most answers are easily found after two or three clicks on Google.

• Better yet - simple question to any thinking-mode LLM (e.g ChatGPT Thinking).

If you know someone who asks questions that can be answered in 10 minutes by ChatGPT, delete their contact information immediately.

What that person is telling you is that he believes his time is more valuable than yours. This should be taken as an enormous insult.

The Time Just Flies By

Under no circumstances should you be living the same life in the current year as you were in the previous year.

No exceptions. Lets repeat that. Under no circumstances is year 1 going to be the same as year 2. It is simply not acceptable behavior.

If anyone tries to tell you this is too difficult, immediately spit out the following ideas:

• learn a new sport

• create a second source of income

• teach a new person how to pick up women

• take a book challenge and see how many you can read in a month

• learn a dance

• learn an instrument

• learn an art

• volunteer

• gain 10 lbs of muscle

• lose 10 lbs of fat

• learn a language

• hike up Mt. Everest

• etc.

Again if you run into someone who is exactly the same as he was a year ago, simply move on.

No Killer Instinct

There is nothing worse than being surrounded by someone without a killer instinct. You can smell it.

They are generally passive aggressive because they aren’t confident enough to put their foot down on a belief.

Long Winded Nonsense

We like X. Why? If used appropriately you can succinctly get a message across without wasting 700 words full of tripe.

At a certain point in time you should become a clear communicator.

You can generally tell the age of the person writing by the length of their emails, the longer it is the younger they are.

Unless there is a reason for specific detail - keep it simple.

As an example? Lets go back to the interview. If asked about *why you?*… you better be quick to show value since your first impression is going to be more important to the decision factor than you think.

If they are asking you to explain *in detail* how a financial model works, you better sit down and write out all the high level items and build down to the nitty gritty as the interviewer drills down to the takeaway.

The Procrastinator

This person is either young or lazy.

Not sure which one but procrastinators are usually in one of these two camps:

• the young ones are learning how to avoid this trap

• the rest are far beyond repair

In short, if it is going to improve your life financially, physically or intellectually and you’re not doing it immediately you’ve got no one to blame but the man in the mirror.

It’s your life to waste.

Summary Action Steps

For those that believe the above was long-winded nonsense:

1. search for the answer yourself until you have knowledge to payback

2. you should see dramatic year-over-year improvements in your life or you’ve wasted the year

3. avoid those without a killer instinct – typically passive aggressive

4. learn to be a concise communicator unless it is an in-depth explanation

5. if something is going to improve your life financially, physically or intellectually you’re only ruining your own life by not making the jump.

“Most people die at 25 and aren’t buried until they’re 75” – Benjamin Franklin

Don’t let this be you.

💸 Investing

Overview

This is an important one. The best piece of advice we could give is the following:

“When it comes to investing you should be a machine”.

Anyone can get rich over a long duration. Patience and consistency are the hard parts.

95% of People Will Fail

That is a startling and negative comment. But, it’s the truth. By 40 years old most people do NOT have $100K to their name.

…

😂

This should NOT be you.

$100k is hardly a drop in the bucket.

The positive side? It is incredibly easy to find mentors in their 30s and 40s.

Just look for someone who built their net worth from zero.

Doom and Gloom

Every single doom and gloom prophet is of zero value.

If you listen to the media, they have correctly predicted 25 recessions out of the last 2 we have had over the past 25 years.

If you do not get that comment then you’re in trouble! On a long enough time horizon, you’re going to be perfectly fine if you simply invest in assets and never sell.

Temporary fluctuations be damned. The way for the dollar is down, which means assets will go up.

Financial Statements

If you cannot read Financial Statements (or build them) - you should never have exposure to a single security. Under no circumstances. You should always buy ETFs/baskets.

AI helps here though. In any case - understanding financial statements requires deep focus and effort. Something which is more profitably spent on your business than investing… unless you’re putting in millions.

During a Recession

In short, nothing changes. You already have cash on the sidelines as we have outlined previously so you continue to buy. Remember this next time you see the stock market go down:

“Fear is a bigger driver than Euphoria”

What this means is euphoria will drive a security to high prices but fear will bring it down below the actual value. The mathematical fact is you’ll gain from fear.

Fear is opportunity for the mechanical investor.

Macroeconomic Predictions

Even Warren Buffet who runs $80B+ has no predictions for the macroeconomic environment. Neither should you.

Anyone who tries to predict major world moves is playing God and is likely broke. Just smile and nod.

Cliff Notes

Summarizing the section:

1. most people won’t invest or will simply fail at it

2. doom and Gloom prophets are of no value to society

3. if you can’t understand the financial implications of a company you shouldn’t invest in it

4. fear is opportunity for the intelligent investor

5. macroeconomic predictions are a waste of time…

🫂 Friends & Acquaintances

Overview

If you have more than 5 real friends your life is already set.

Do not worry about about having a lot of friends as your standards should raise dramatically each year bringing your true friend count down over time. Once you realize you have 5 friends you’re a wealthy man.

You should however, have hundreds of acquaintances which will serve as valuable networking tools for you in the future.

Friends

A friend is someone who will actually help you financially and physically if a negative event occurred in your life. This does not mean a brawl at a bar (leave this to the fools who fight in bars), it means a true life changing event.

They should be willing to drop what they are doing and help you regardless of the near-term cost.

The number of people you will meet who can either 1) afford both of these tasks and 2) be willing to do these tasks will be less than 0.01%.

You should return the favor as well. This relationship is not written as a contract but is well known by both of you, under no circumstances would either of you flinch if a real problem arises.

Cost and time are not issues when helping either of you recover.

If you think about that you’ll realize how little friends you truly have.

Acquaintances

This is the difference between healthy social skills and unhealthy social skills.

While a club owner may give you free entrance and free drinks you know it is still a tit-for-tat arrangement. You’re going to help bring attractive girls in from time to time, or you’re going to leave a heavy tip as a thank you for the “boost in status” when you’re at the venue.

This tit-for-tat arrangement is great for both parties, he makes slightly more money as you bring in girls and you know how to leverage the perceived status. Under no circumstances do you confuse an acquaintance with a friend, keep them separate.

Managing the Friendship/Acquaintance

This is quite easy with a friendship, if you’ve known each other for 5-10+ years its easy to keep them happy. You simply keep improving.

On the acquaintance side they are usually more interested in how they feel in your presence. In short, you keep them happy by allowing them to use the perks of other acquaintances you’ve established.

See how positive momentum applies to friends as well? Ideally they become acquaintances.

Always be recycling.

Have a Spine

You will end many acquaintances and friendships over the course of a couple of decades. If someone insults you there should be no second chances.

An insult is clear where as a typical ribbing is not. As a rule of thumb if people consider you petty you’re ending too many relationships.

If people believe you’re a happy-go-lucky person… but you feel insulted… it’s likely time to walk. It bears repeating, only a fool would give second chances since there are too many talented people out there.

Cliff Notes

You do not need many friends, a handful is more than enough and remember:

1. do not confuse friends for acquaintances

2. have clear separation between the two groups

3. maintain a positive tit-for-tat relationship with acquaintances

4. have an extremely strong spine and walk when you realize someone is dragging you down – no apologies.

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🌱 Life

Overview

Now for the bulkier part of the post, if we think about all of the sub sections written above we can now form an overall thesis on how to evaluate your life.

The goal of life is to maximize life-time happiness.

If you can spend 100 years out of your 100 years of life in a state of happiness, you’ve won. The chances of this is zero percent of course, since everyone will have a bad day, but it remains as the number one goal.

Grind Through Your 20s

Why do we recommend this? It works.

That is simply the best answer. As you move into your 30s you will notice that your body is slowing down relative to your 20 year old self. Even athletes who take performance enhancing drugs cannot compete with men in their mid 20s.

In addition? All of the fun activities that can be done at age 25 can be done at 35. And you’ll be better at them because of experience.

Therefore it makes a lot more sense to work hard in your 20s and find what makes you happy… Then spend your money on fun in the following decade.

60 Years

This is another reason retirement is a scam. If you go and work in healthcare you will find that most people are not functional by 60 years old.

What can you really do with $10M by 60?

The answer is practically nothing. You want enough money to take care of basic needs and should not have any regrets about the past 20 years.

Think about the 60 years as a weighted timeline.

• At age 20 you should spend

  • 15% of time on fun (chasing girls, drinking, socializing)

  • 85% on improvement (sports/health, career/business)

• by the time you’re 30 this should shift to a 25%/75%

• 35 years old it should be 45%/55%

• by 40 years old 75%/25%

• Then likely maintain that ratio for the rest of your life.

25% of your time with a successful career/business should allow you to reap what you have sown. The sad part is most will be unable to live this type of life.

Avoid the Herd

We got a few questions about being stressed out while in your early 20s after making all the right decisions.

This is a funny one because it is mentally taxing to do the opposite of the herd.

That is half of the reason why this blog exists in the first place.

Make no mistake to everyone who made the right decisions, by the time you’re 3-4 years into your career you’ll be too far ahead of your peers to be caught. You can take that to the bank.

It is painful watching everyone else have fun but they will be the exact same people asking you for advice from 25 years old and beyond. Get ready to walk away from a lot of acquaintances, some may even attempt to drag you down.

Always Learning

Under no circumstances do you allow your brain to rot.

If you are not reading something with your spare time, go and buy a book today. Anything. This is the easiest way to remain interesting in conversations.

Finally, you learn nothing from television – nothing, use it for entertaining guests but it should not interest you in the slightest.

Confidence is Built Overtime

Absolutely nothing good happens over night. If you are able to stay the course in life, making the right decisions consistently, it will snowball.

Confidence just like knowledge, just like investing, compounds over time.

Summary

Don’t forget the last post 👇

Everyone is going to have a different belief system but we believe these two posts outlines some good ones to get you started.

1. Do not expect women to be anything besides women. Asking them to be men is absurd.

2. You build your life up over a long period of time, since decisions compound, the earlier you get started the better off you will be

3. Cash is your friend as it buys you time. It buys you life.

4. Only a fool will not work hard in his 20s, he will not be able to catch you in his 30s since he simply won’t have the energy

5. “What is everyone else doing, it is probably a bad idea”

6. Walk away from life cancers immediately, have a backbone

7. Say nothing or say something positive, you gain nothing from dragging someone down. The only thing that is gained is anger in your heart and mind.

8. It bears repeating, if you have 5 friends you are a lucky man

9. Health > Wealth

10. Finally, balance. The best way to find balance (entire post objective), is to find people who are older than you that are living the life

After taking a quick vacation we’re back to posting.

👯‍♀️ Girls

Overview:

The first tenet that applies to both men and women is that you cannot make a person do anything. You can only sell them on doing something.

In addition, the older a person gets the more set in their ways they become.

Given that backdrop, the ideal girl for you is going to be different from the ideal girl for person B, C and D. You look at the mosaic of the girl and bucket her as you wish.

• maybe she’s relationship material

• maybe she’s only good for a one night stand

• maybe she’s simply someone who is going to dislike you upon hello

Nothing can be done about this.

Once you recognize that you can do nothing to change the initial woman you’re meeting, your fears of rejection will go away.

As an example… If you’re well dressed and well groomed when you approach a woman and her first reaction is to tell you “Go away you’re ugly!”… Is that really a person you want to meet in the first place? The answer of course is no.

You should have a good laugh because someone is going to pick her up and become disappointed in his choice later on. You won that war.

No Woman Is Perfect

Once you stop looking for a perfect woman you’re going to broaden the set of women you approach. Dramatically. If you like 80% of her you’re in great shape, if you like 90% of her you’re in better shape and if you like 50% of her then you’re looking at a one-night stand at maximum.

American Women

People are a function of the environment they live in. The USA is incredibly prosperous and no one is in dire need of food or shelter (relative to other countries) so they have no reason to *need* a man.

Simply accept this as part of the territory. You cannot change how American culture operates. Either accept it or move.

You’re better off improving yourself and ignoring all the doom and gloom about the USA. If it gets bad enough go ahead and ex-patriate.

Cheating

If you decide on the relationship route, do not spend a split second worrying about your girlfriend cheating on you. It is a waste of your valuable time. Simply assume she is not (unless your social cues catch on).

If she is cheating? Simply leave. Do not give her the war by showing any emotions. You explain that she did XYZ and that you’re leaving. Emotionless and cold. You do not return any phone calls, text messages or emails. You are gone. If you become emotional or cry when someone disrespects you, you’ve already lost as it implies you cared about their opinion in the first place. There are no second chances.

Women are Hyper Competitive

You’ll find that women are quite catty. They will compare the status of other women who are similar to them in some way and become jealous incredibly easily.

Jealousy truly is a female trait.

This is fine and appears to be part of human nature. Under no circumstances, however, should a man become jealous of another man.

Women are Fun

No man with good game can possibly debate this. A girl you find attractive who is entertaining, bubbly and fun is going to put you in a state of calm quite quickly.

If you are speaking to another man and he does not find women to be both fun and relaxing you’re speaking to a man with very poor people skills or minimal experience.

Marriage

Under no circumstances do you get legally married in the USA. The court is against you and she will have no reason to be loyal to you. At most you give her a ring, give her the ceremony, but you do not sign the contract. At the end of the day, if she is in love with you, she’s going to be okay with this arrangement.

Cliff Notes

With the belief system summarized above here’s the cliff notes:

1. you need game in order to sell a woman on going on a date

2. there is no ideal woman only a person who fulfills your list of needs – example list: Loyal, Bubbly, Size C Chest, Age 21-24, enjoys swimming

3. American women need you the least so your search is likely harder, this would happen in every country around the world if given the same GDP per capita

4. Don’t waste time on stalking a girl’s every move – it reeks of insecurity

5. Women get jealous of other women quickly

6. Women are a lot of fun, so if you’re not having fun meeting them you’re in the wrong place or taking it far too seriously

💼 Work

Overview

As we have stated before, retirement is a scam because work is only work if it is something you don’t want to do.

The fastest way to avoid doing something is to have enough cash to work in any profession you wish.

Cash flow is king.

Careers vs. Jobs

A career is something everyone should have, a job is something everyone should do when they are in high school to become more motivated about their future careers.

How so?

A job trades time for money and a career has leverage. We have beaten this one to death so we’ll leave it there.

Law of Positivity

Under no circumstances do you say anything negative about an individual. None.

You simply say nothing and shine the light on something positive instead.

No one gets credit for bringing another person down.

Repeat that one many times over. If you bring someone down and they become aware of it… There are quite a lot of people who will do far worse to you than yell at you.

Avoid any negative associations as it is not worth the risk.

On the same topic, the implied message is to bring as many people up as possible. If you know person A is better than person B, you do not say anything about person B. You simply phrase your opinion as follows “I believe person A is ready for that task at this time”.

Co-workers are Not Friends

Absolutely everyone who competes directly with you is not your friend.

Do not make this mistake or suffer the consequences. The only co-worker friend relationship you have should be 100% unrelated to your job function.

If you are part of an investment banking associate class and believe another associate on that floor will help you… Get ready for a pink slip if it means he can make an extra $5K getting you fired.

Go High Up the Chain

If at all possible always develop a positive relationship with a top tier manager. This does not mean your boss, but two levels above him.

If you can obtain momentum from a person 2x more powerful than your boss, it is going to be significantly harder for him to view you negatively (hint hint you’re helping his pocket book as well with this positive association).

While it’s not fun to talk about, office politics matters a lot.

Savings Improve Performance

Another reason you should save aggressively?

The more money you have in your pocket the less stressed out you become and the more efficient you are at work.

Don’t believe us? See how you feel when you have your first debt free day or first $100K net worth day etc. You’ll focus much more on the task at hand as the back of your mind will no longer be clouded with financial worries.

Cliff Notes

We have written a lot about work in the past but some small items were added above. The short of it is as follows:

1. always choose a career

2. do not bring down any employee – large or small

3. positive momentum will apply to your career – eg: help a low end employee get promoted implies you’re a good manager

4. directly competitive co-workers are not friends

5. reach for the juggular at all times – develop as high up the chain as possible

6. politics matters a lot

7. cash in your pocket will improve your performance and finally

8. the more money you have the less likely you have to do anything you dislike.

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Being able to edit PDFs is an incredibly useful skill.

Unfortunately, if you aren’t careful - you can leave traces that the PDF has been edited very easily.

Tools You Need

• MacOS

• OpenAI/Claude/{pick your AI} (we will use it to get a lot of generic help)

• A PDF Editor

Editing PDFs

PDFs can be edited with certain tools. Our favorite is PDFGear (for MacOS) - it’s free.

Not Leaving a Trace

Editing PDFs unfortunately leaves lots of metadata traces that can easily be identified by modern tools.

We will leverage two tools to strip these traces. We will run these tools through the MacOS command line:

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The most common question we receive nowadays is how to allocate cash if you’re going to live the bachelor lifestyle into eternity.

The three main steps are broken into two pieces:

1. The initial framework to financial independence

2. Ways to obtain higher income

3. Ways to swing for the fences when you’ve got extra money on the sideline.

1) The Framework

The name of the game is matching investment income to expenses.

We’ll call this the relaxation point.

If you’re correctly living your life as a minimalist we’ll earmark the number at $2,500 a month1. Yes this is a low number but if you’re a perpetual bachelor it means that you can live quite a nice life in Thailand while you work on your other businesses and you will be free to work any job that you would like.

We repeat, you are free to do as you please.

How much is needed to generate $2,500 a month?

Lets take a look and you can decide for yourself what amount of cash flow is necessary.

You’ve been tricked.

Look at the chart very carefully.

Notice a major problem with a regular savings account?

You have no chance at financial freedom with a savings account unless you have over $1.4 million in cold hard cash.

If you’re trying to become rich and you are putting your money in a savings account you better be a risk taking entrepreneur because even a man of above average intelligence is going to have next to zero chance at amassing $1.4 million dollars in his thirties by having an investment return of 2%.

Lets make another assumption - lets say you understand that your body is going to slow down and you know you’re going to be half the man you were in your 30’s by the time you hit your late 50s.

We are all going to get old so your goal is to maximize your happiness when you are able to enjoy it and at the same time set yourself up for a decent lifestyle in your 50s and 60s.

Assumptions are set. You’re in a race against time to obtain ~$450-550K in net worth, if you don’t have it by around thirty you better start grinding hard. For simplicity, we’ll use $500K2 as the watermark.

Obtaining $500K

Sounds like a lofty number doesn’t it?

Not really.

Long-term returns of 7% are not out of the question. The trick is that long-term means you’re ignoring your emotions by dollar cost averaging and you are not going to sell a single security or bond.

Ride it out.

Diversify, dollar cost average, diversify, dollar cost average. Play the game like a robot. Here’s how quickly you get to the five handle. We will assume that you are able to increase your income by ~5% on an annual basis, generate returns of 7% and you can live on $3K per month.

Boom. You’re already at $500K and you’re only 31 assuming that you choose your career wisely.

Your first job out of college, out of trade school etc. will more likely than not determine your entire financial future.

We already know the $53K net figure will be attacked however it shouldn’t. $53K a year net implies $80K per year gross.

You see the path and it takes 10 years of dedication to get there.

2) How to Earn $80K?

No doubt many people believe this number is too high. Let’s flip it around.

You know that a starting salary of $80K will give you an amazing shot at early financial freedom so let’s start with how someone can obtain an $80K salary instead.

No you won’t be working 40 hours a week and no there is no short cut to making a high income, you will pay a price:

1. mental effort

2. endurance

3. or physical effort

If you do all three, you’ll likely beat the 31 years of age mark by a country mile.

Remember, you are young and you are in your twenties, the world is yours for the taking since you should be an energizer bunny at this stage in your life.

🧠 Mental Pain (require top tier schooling and grades)

• High End Finance: Investment Banking, Private Equity, Sales and Trading, Equity Research, Hedge Funds.

• High Consulting: Boston Consulting Group, Bain. McKinsey

• Engineer: Google, Facebook, Twitter, Salesforce.com, lets go on and on and on with hundreds of tech companies. $80K out the gate

We know you’re saying “but what if I can’t get any of these jobs”, well how about this:

🏃‍♂️ Endurance Pain (grinding out the hours)

• Air Traffic Controller: Requires minimal education but is high stress

• Accounting + Bartending: $50-55K a year + 2.5K a month on the side, you’re at 80K

• Healthcare + Online Business: Trade schools are only 2 years long and can offer starting pay in the $50-60K range, you get a full 2 year head start and in addition… you can simply start a health website that will generate a few thousand dollars a month.

Now you’re saying these dual jobs are not practical or you cannot go into the top tier trades. Fair enough.

💪 Physical Pain

• Firefighters/Police Force: No risk no reward, will clear $80K. If you’re complaining about a few thousand dollars in difference we’ll simply respond that it won’t take you four years to get the job also… government pensions anyone?

• Dockworkers: Manual work. Gruelling. Notice a trend in effort and income? $80K+ out the door

Now that your spirit is uplifted simply join one of these groups.

There are hundreds of ways to make $80K a year.

None of them are for the following people though:

• lazy

• uneducated or unwilling to do manual labor

• negative personality types

No matter what you do you’re going to have to put in that grind. It’s either going to come from a mental standpoint (getting to a top tier college and top grades to go to Wall Street), physical standpoint (dock workers, firefighters) or from a longevity standpoint (working multiple occupations).

Anyone reading this post can make $80K a year.

Final Note

Do not take a job for minimum wage no matter what. If you’re younger than 20 you can pick up a book and read how to fix iPhone screens and create a small time business fixing drunken mistakes in a major city.

Do not work for minimum wage for anyone.

3) The Home Stretch

You’ve made it to $500K: Congratulations.

If you run the rule of 72, when you hit 40 you will have $1M dollars in the bank.

Welcome to the top 2% in the USA (there are roughly 5 million millionaires in the USA) and well into the 1% world wide.

You’ve won the game and you’re just now hitting your stride as a man. Lets get cracking on some real wealth creation shall we?

That $5 handle is sitting on the sidelines and you won’t touch it. Close the book it is time to move on to bigger ideas.

You’ve got 4-6 years left before you can really take the pedal off the gas if you feel like it.

How do you capitalize? Well here are some interesting ideas to get you started.

a) Venture Capital/Private Investments

Now that you are saving ~$50K a year from your current job, no matter what track you took (we simplified it to 5% increases in salary), you can take some calculated risks.

With the world becoming increasingly internet driven you can begin angel funding investments or purchasing shares in the private market.

What does this mean?

It means you’re swinging for the fences on a Mike Tyson level knock out punch.

Generally speaking, most investment types will cause you to spend $25-100K to invest privately.

That is fine because the goal is to take large equity swings with your annual savings since you don’t need more than $500K.

You’re not searching for 5-7% returns anymore - you’re trying to 10x or 20x your investment within the decade.

No risk no reward. It may go to zero.

b) Silent Investor

Use your additional cash to develop high level relationships.

How do you gain trust with wealthy investors?

Well you invest with them and don’t pester them with questions over a long time horizon, once someone likes you the doors open a bit wider.

With that said, Private Equity comes to mind as a decent idea, not to be confused with private investments (separate entirely).

You create an investment consortium. You buy in as part of the takeout group and you sit and wait and wait.

You’re looking for an annual rate of return in the high 20’s.

c) Level Up and Fix It

Properties can be dangerous but he who takes on the headache will take on the profits.

This is last on the three major ways to take a 5 figure investment and double or triple it in short order due to the level of stress involved.

The premise is as follows:

1. buy a high risk property

   1. the risk can be associated with lower income tenants to major headaches due to a short sale or foreclosure…

2. Put down a down payment heavy enough to move your rate as close to 3% as possible (generally a down payment at 25-33% of purchase price will do the trick)…

3. Take out a 3 year ARM you’re betting on appreciation….

4. Roll up your sleeves, or hire someone else to do it, and fix the underlying property (commercial or residential).

5. Sell it, gunning for a flip of 50% of purchase price.

PS: We have very in-depth guides for getting rich out of real estate. Only for paid subscribers:

Concluding Remarks 👋

One thing is for certain: if you don’t get on the investment train early, it won’t be stopping to pick you up any time soon.

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Here are some laws to abide by. Laws are meant to be bent and broken from time to time, but break these consistently and you’ll pay a hefty price.

1. Law of Attrition

As a man you should realize that most people will make nothing but poor decisions. They will do this over and over throughout their life. If you want proof of this, simply look at the statistics for retirement savings:

• the average (US) person who is 55+ years old only has $150K in savings.1

This amount is less than what you should have saved during your 20s.

Let’s use this law to our advantage: Knowing that the vast majority simply won’t make it, the people who have succeeded will stand out like sore thumbs.

Ignore the unhappy rich folk (there are a lot) and simply spend some time finding happy and stress free rich people.

While everyone will say “these people are hard to find”… it’s true, but nothing good is easy. In any case, those people stand out so are relatively easier to find.

Use the law of attrition to help you find mentors that will take you down the correct path. If they didn’t drop off the radar, they can help you remain on the radar as well.

2. Law of Momentum

Physics applies to decision making as well: Objects in motion stay in motion.

This is:

• why rich people get richer

• why responsibility continues to go to intelligent decision makers

  • If you make a smart decision people give you more of them to make, then they introduce you to other people as a “smart guy to know”.

This will repeat over and over again. Eventually you won’t have time to help everyone. Now you’ve won.

There is a clear undertone to this law. If you make smart decisions when young you will see a snowball effect that will gain traction over a long period of time.

The reverse is also true. Bad decisions when young will ripple over the next 20+ years.

3. Law of Association

Based on your phone people will judge your worth.

Sounds simple doesn’t it?

It is true.

If you can simply spend time around high worth individuals, people will assume you are of high worth as well.

Many of our readers are bright, so let’s combined Law 2 with Law 3.

If you consistently spend time with wealthy people and consistently show them you make good decisions… they are going to introduce you to more high worth individuals.

Before you make a decision ask yourself:

what type of people will I be spending my time with?

If the answer is of low quality, probably best to move on.

4. Law of Negativity

There is no reason to spend time with unhappy and unlucky people. Apply this to your life.

The law of negativity works in conjunction with all three laws stacked above.

1. You are likely to quit (attrition)

2. You are likely to continue on a downward spiral (momentum)

3. You will attract other miserable people because misery loves company (association).

Force yourself to be positive in every environment since the alternative always leads to poorer results. If you are truly in a wasteland, the answer is to leave.

5. Law of Similarity

People surround themselves with other like-minded individuals. Use this to meet successful people.

Once you are surrounded by successful people you should adopt their line of thinking, dress code, vocabulary and tone of voice.

This sounds like the Law of Association but it’s not. Similarity is looking like someone, association is being next to them.

6. Law of Risk

Every single decision you make is going to have risk associated with it. There is no such thing as risk free.

Therefore you should always make the best risk adjusted decision that you can possibly make.

Make a list of the downsides of the decision and balance them with the upsides of the position.

It will become increasingly clear if it makes sense once you appropriately assess the risks.

A simple Wall Street example? If you have to choose between a major investment bank or an unknown investment bank, there are practically no reasons to choose the unknown bank.

7. Law of Pain

Generally speaking, the path with the least amount of suffering is the wrong decision.

This law becomes more fluid as you get older since you’re no longer building your life, BUT when you are young if you choose the easier path you are likely giving up decades of your life. This is not an exaggeration.

The last thing you want to do is tell someone a decade older than you that you “were not willing to work hard”. This will be a nail in the coffin.

8. Law of Common Sense

These days, this law is being overlooked.

“Does this make sense?”

Ask yourself every single time.

“Does this make sense?”

Before getting into health, the belief was that a calorie was a calorie.

While this may be the case for weight loss it makes no sense for health.

9. Law of Fairness

In short, life is generally fair but not equal.

What does this mean?

If you continue to generate value over a long duration you’ll likely improve in your given task.

Life however, is not equal. There are people with trust funds, there are people with better genetics, therefore people are never going to be equal.

The best you can do is remember that life is generally fair - the more you add the more you get.

10. Law of Opportunity Cost

At the end of the day, every decision you make will impact another decision. There is no way around this. There is no way to have your cake and eat it too.

The goal is to simply give yourself as many options as possible.

When you don’t know what to do? Choose the path that gives you more opportunities.

Conclusion

You can feel free to break a lot of these laws but… it will likely cost you millions of dollars, better friends and an improved life over the long-term. If you remember these laws, you’ll likely become a significantly better decision maker.

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This is the primary reason to avoid the mainstream media - their goal is to teach you to be poor.

While most say they “wish they were rich” they harbor deep seeded negative beliefs about money. Call it Hocus Pocus if you wish. It is most certainly true.

Negative associations with money will make life a headache for you.

• You will “angle” to obtain money

• You will make negative assumptions about those with money

• You will make many excuses in your mind to avoid the effort to obtain it

If you are not rich (yet) but want to be rich (a good thing) you will likely see yourself in a few of these negative beliefs.

Lets toss them out the door. In order to obtain money, you must associate zero pain with the process.

1) You Have to Work Too Hard

This is the primary excuse for the masses - the acquisition of wealth requires too much work. They believe this because they trade their time for money.

Make no mistake… you will work extremely hard. But. If you choose the right path, you’re going to find leverage.

You will slowly gain momentum every single time you learn a new way to generate income and eventually you will believe that you deserve to be rich.

Your income will rise.

By continuously chasing event driven income your hard work will become much more efficient.

The time it took to generate say $1,000 in revenue will now take half as long… Slowly but surely you will generate $5,000 in revenue in the same time it used to take you to generate $1,000!

If you keep working at it, the ball keeps rolling. Just remember, hard work is not to be vilified.

If you know that you are doing the right things to improve, how can it possibly be “hard work”?

It can’t.

2) You’re Taught That Rich People Are Greedy

You know the drill. Practically every single movie and TV show vilifies the rich.

You learn this by watching old shows such as the Simpsons (Mr. Burns) or movies such as Horrible Bosses 2 (Greedy business man values $5M over his own son). Of course this is all a hoax. But it doesn’t stop there.

You learn this same idea in college! You see many charts and graphs that describe how the “1% generate $x more than average workers”.

• You learn that the 1% control X% of the total wealth.

• You learn that the minimum wage has been flat-lined on an inflation adjusted basis.

• You learn many fun facts built to… vilify money.

Unlearn these beliefs.

The truth of the matter is that the amount of wealth one has is practically 100% related to the number of lives that have benefited from his or her products. Lets ignore the trust fund babies as the exceptions.

If you look at Mark Zuckerburg, Michael Bloomberg, Warren Buffet and anyone else in the top 100 rich list you’ll find a material correlation between charity work and net worth.

You will also find an extremely high correlation between how many men/women use their products (from the companies they own) and their net worth.

What a coincidence? We think not.

Instead you should believe “greed” is good.

Not in the way most think.

Greed should be applied to your relationships. You should be greedy when it comes to meeting new elite people. Is it a coincidence that every single person reading this post would happily fly across the country to have dinner with Bill Gates? Of course not.

You will become rich by being greedy with your contact list. The more people you help (that are not angling to burn you later), will send you even more money in the future.

Assuming you’re not angling to burn them? You’ll be sending them more contacts (money) as well.

Rewire your brain and realize rich people are not angling to take from you. They are angling to find a way to help you. This way you’re a customer for life. Both parties can win.

3) The Negative Stigma of Being Rich

This is another funny one that the media tries to teach you. If you become rich you’re going to lose friends! So don’t become rich or else you will lose all of your close friends! Non-sense.

For anyone who has made money, they know that they can find out who their friends are based on their own success.

If a reader writes in and says he made $10K, $10M, or $100M there is going to be nothing but applause on this side of the internet.

This is rare. Most people will become jealous and you may lose a “friend”.

The term friend is in quotes for a reason. What type of “friend” is going to be unhappy when you succeed? That’s right - no friend at all.

When the media gives you examples of people who became rich and lost friends they are trying to ingrain a negative association with money in your brain. Don’t let them!

When your friends say that “you changed” when you made money, you’ll know exactly what to do.

Throw two fingers in the air and delete them from your contact list.

If they cheer for you and offer you a drink, you know that they are very good friends of yours indeed.

Finally? You’ll be shocked at who is happy for you and who flips the script on you.

4) You Have to Pay More Taxes

This is just a ridiculous one. Many people believe they should not work harder because they are going to have to pay a higher marginal tax rate. As usual this is just another excuse and a weak one at that. If you make $200K and are taxed at 30%, but then make $400K and are taxed at 35%… You still made a lot more money right? Right.

If the example above isn’t good enough, we have a clear answer for you:

Start a Company.

You can write off the vast majority of your expense line items.

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5) You Have to Take Advantage of People

Since the media portrays the rich as evil people who angle to squeeze money out of everyone, most assume that this is the way to get rich!

The only way to get rich is by cheating people out of their money and finding a way to sell snake oil.

This is completely and utterly false.

For anyone who has worked in sales or started a company you know that the number one thing you need to believe in… is… the product!

If you wouldn’t even use the product yourself it becomes significantly harder to sell it.

In fact, if you don’t like the product yourself then you shouldn’t sell it at all.

What is the point in selling a product you wouldn’t use yourself?! All you are saying is that the product isn’t good enough for you.

In business, the majority of money is made from repeat customers. If it isn’t good enough for you it shouldn’t be good enough for your customer because the customer won’t come back.

So there you have it, another belief destroyed. If you are taking advantage of people, you’re going to lose a recurring customer. This is a terrible idea.

Instead sell a product you would use yourself. This will increase the chances of the customer returning and also increase the chances of the customer buying another product! Again, the vast majority of your income will come from your current client base.

Now do you see why the rich get richer?

6) You Won’t Have a Life Outside Work

The effort required to earn money is significantly higher than any other activity. However. Having no life is a myth once you get rolling.

After years of hard work, it could take a year it could take 10+, you will eventually hit your stride. When you do… your work becomes part of your life.

This is an enormous and unexamined positive of becoming rich.

Forget about what money can buy you and think about how free you become!

This is a foreign concept to most because they slave away until retirement… but it is certainly true.

If you can earn money doing something you enjoy… what exactly is your life and what exactly is work? You’re already doing what you want to do.

7) It Is Against Your Religion

People assume that in order to become rich you must become part of the 7 deadly sins which goes against your faith. We are not here to discuss religion, however we can certainly offer a solution to this negative belief. By proving that you can be both rich and spiritual/religious.

If you sell a product, generate revenue and grow a company that helps people… None of the deadly sins are triggered.

• You can avoid lust by getting married (we disagree on getting married, but to each his own)

• You can avoid gluttony by staying in shape which is unrelated to revenue generation

• You can avoid greed by building a business/career that helps people

• You will factually avoid laziness assuming you are not a trust fund baby

• You won’t suffer from wrath or anger since your finances will make you stable on an emotional basis

• Envy will be avoided, instead you will cheer when others make it financially

• Pride will be taken down immediately, for anyone with a lot of experience you know that there is always always always someone doing better than you

So there you have it, you may become rich without triggering any guilt associated with your religious beliefs.

8) Strangers Will Judge You

This is true. Strangers will judge you. Strangers will also judge you by:

• your physical attractiveness

• what you wear

• how you speak

• how you walk

• how you smell

• the color of your clothing

How is this any different?

Ask yourself if you would rather be rich or poor and then ask yourself… How are they going to know?!

So long as you avoid becoming famous, how exactly are people going to know how how much you are worth?

They won’t.

This myth is already debunked.

In addition, even if you’re the type who likes flashier items (cars, watches, etc.). Then you probably want to be surrounded by people who also enjoy the same tastes as you.

It’s a filtering process in itself.

PS: The opposite sex will positively judge you for being rich.

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9) You Will Die Alone

This one is beyond laughable. Look at any of the Forbes rich lists and see if they have families. The majority of them do. With many more than 1 kid too.

If rich people have families how exactly are they going to “die alone”? It doesn’t add up.

We aren’t saying you need to have a family to become rich, instead we are pointing out the flaws in what you are being taught.

Secondly, if you look at the reasons for divorce in the USA (surprise, surprise) finances are a major reason for the split!

If there is any lean in the argument… it is that making you rich will make it less likely that you die alone.

You’ll be a high valued person that other people will want to keep around.

10) You Will Get Bored

The final frontier. There is an assumption that you will get bored once you make all this money! Again this is false. The only people who are bored when they become rich are boring people.

In addition, if you build all of the necessary skills to become rich how exactly are you going to be bored? You’re going to be learning, growing and meeting new people constantly.

If you are afraid of becoming rich due to boredom… here is a quick list of things you can do:

• Buy your dream car (or any dream item for that matter)

• Start a boys and girls club for children in need of resources

• Start a charity

• Start your own school

• Travel the world and learn multiple languages

• Learn to dance, sing, play a musical instrument or become proficient in a new sport (you have all the time in the world)

As you can see, the list will be as long as your imagination.

Now what is stopping you from becoming rich?

Do you see yourself in any of these negative beliefs?

Get rid of them. The media is psychologically stunting your growth. You’re being taught a lie.

With our focus on single individuals, we’ll go ahead and outline a change in thought process as you inevitably move up *levels* in the game of life. We’ve always had the same belief regarding income and net worth multiples. The simple axiom is as follows:

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