1. You are enough
Have confidence in yourself.
Be proud of who you are in this moment.
You are enough, perfectly enough, right now.
There is absolutely nothing you need to change, for anyone.
2. You can be better
Despite being enough,
You can always be better.
We can all be better in life.
You can always be growing mentally, spiritually, physically, and emotionally.
3. You can achieve your goals
Until my early 30s, I never finished any major goals I set.
Looking back, it was embarrassing how many goals I would miss.
This continued until I learned how to do hard shit, repeatedly. It is a simple path.
4. The simple path
1. Know what you want
2. Understand what it takes
3. Do the work. Day in. Day out
If you do this for any task, you will achieve your wildest dreams.
5. You don’t need what you “want”
When I was young, I wanted so many material objects.
I grew up poor and thought what I saw on television would make me feel “good enough”.
Nothing ever made me feel good enough, nor can it.
You are the only one who can.
That is the key to it all.
Meditation. Mindfulness. Slowing down. Being present.
Doing this, you will be able to recognize you are already enough.
No amount of material objects will impact that and you can let go of the “wants”.
6. You are your best investment
Every day, set a goal to tick the boxes on how you’ve grown:
A realization is that if you grow these ways, financial will take care of itself.
7. Financial independence is simple
It is not easy to achieve. It takes a lot to achieve, but the formula is simple:
1. Earn more
2. Spend less
3. Invest the rest
Growing the top line is the key to achieving your life desires.
Too many people in the financial independence community are negative on leverage.
If you want to achieve high levels of wealth, leverage can be your best friend.
It allows you to buy real estate and grow your equity tremendously.
9. Buy more real estate
Real estate offers an unparalleled path to wealth appreciation:
1 – Cashflow
2 – Asset appreciation
3 – Principal paydown
It does all of these while being tax efficient.
Through time, no greater way for you to grow wealth.
10. Freedom > Money
The freedom to choose what you want to do in life is what we are all seeking:
What you want to do.
Where you want to do it.
How you’d like to approach it.
Whenever you would like to do it.
This is the freedom that we all seek in life.
11. People > material objects
The right partner.
The children you have together.
Your siblings, parents and friends.
These are what matter in your life, not “things”.
Keep those close who are positive and support you. Let go of the rest.
12. There are no limits
Growing up, I would never have imagined what I’ve achieved.
We were lower-middle class. I was a poor student & never felt good enough.
I also realize I have only touched the tip of the iceberg – much more is still to come!
If I can do this, you can.
You simply need to believe in yourself.
You need to understand how your mindset gets in the way.
You need to realize that you can change your mindset. Your beliefs.
13. Our thinking is flawed.
1. We are what we think
2. Our thinking is flawed
3. We can fix our thinking, here’s how:
– Shadow work
– Cognitive behavior therapy
Do the work to understand & fix your thinking.
When we’ve done the above, the sky is the limit.
What this allowed me to do as I’ve evolved over the last 10+ years:
– launch a Podcast
– write a Fantasy series
– weight lifting total > 1,000 lbs
14. Never stop learning
We are not finished until we stop.
Every single day we can be growing into a new person.
If you want to achieve success in your life, continue to invest in knowledge, each and every day.
15. Choose your room
If you want to increase your intelligence, never be the smartest person in the room.
If you want to be fitter, don’t be the fittest person in the room.
Choose the room to align with your goals.
16. Choose your circle
The circle you surround yourself with is the circle that will make you.
As we say on Money Twitter, your Network is your Net Worth.
Surround yourself with people who will push, challenge and support you.
17. Asymmetric opportunities
Asymmetric opportunities have a significantly larger upside than the downside.
Look for these when investing to achieve outsized returns.
If you put $1 million in Bitcoin, it could go to zero, or if we are correct, it could be $10 million.
18. Let it go
Whatever you are holding.
Learn to let go of it. To drop it.
If it happened in the past, you cannot change it.
If it’s fear of the future, it has not happened yet.
Focus, only, on this present moment. It is all you can change.
Aristotle said, we are what we repeatedly do, Excellence is therefore not an act but a habit.
This is my favorite quote.
Build habits that allow you to become the person you want to be.
20. Be in the arena
So much of life is won simply by playing the game.
Too many are afraid to take that first step. They’re afraid to step into the arena.
They would prefer to sit upon the sideline and chirp at the people who are playing the game.
Be. In. The. Arena.
21. Consistency compounds
People tell me I’m lucky.
When you do the above behaviors consistently, they will tell you you’re lucky.
The truth is, small consistent habits + consistency + time = exponential results.
As a high-level summary:
1. Have a plan
2. Know what it takes
3. Do the work consistently
1. Increase earnings
2. Mitigate lifestyle creep
3. Diversity & simple investment
1. Have a budget
2. Create a cashflow
3. Forecast net worth