When Setbacks Accumulate.

The part that really messes people up, on the road to goal achieving is expectations versus reality. Giving a personal example, my experience moving across the country. I initially envisioned this blissful outcome. I thought things would be seamless. It was a shit show.

I ruined the opportunity, and literally had to move back home, within a year or less. The move back home is what would get most people. I was so disappointed in myself. Right here, is where most people would rationalize why going back home was “meant to be”. I simply knew it was meant to be for me to be in the state I dreamed of living in since a teenager. Instead of saying “I guess I’m stuck in my hometown”, I busted my ass, for two years, and made it back to the place I wanted to be.

Funny thing is, this was just the beginning, because once again, I didn’t listen to my intuition. After a year back in the desired location, I made the dumb decision to leave and stay in a place I never wanted to go. It was hell. Once again, this is where many would quit, and say it’s destiny. I couldn’t do it.

I made it back to where I wanted to be and finally began building some momentum. Many would see this as two major failures in a row. This for many would be a sign to just give it up. The difficulties of having your dream in your hands and allowing it to be taken away two times, does something to your soul. For me, it motivated me to keep fighting for it. Simply put, the whole process was ugly, and did not go anything like I expected it to go.

However I kept pushing to fix my mistakes, and get back on track. Eventually to get things right (as far as the main goal). From there it was building, and not letting setbacks discourage me. When you experience failures they are not a sign of fate. They are a test of willpower and determination, to keep pushing through the process. If you quit too soon, you might be giving up everything you’ve ever wanted in life. Be sure you know when to pivot, and when to walk away from something.

The average person, typically walks away from every setback. However you’ll hear many successful individuals talk about how a setback is a set up for a come back. Keep going. 

Beauty in Scars.

Getting things wrong can do one of two things for you. 

1). Cause you to repeat the same mistakes. Impeding any kind of growth or beneficial progress in your life. 

2). Scar you. This creating a psychological and or physical trigger. Reminding you to remove any causal mechanisms from reoccurring again. 

Investor Psychology In 6 Lessons.

Investing in businesses via the stock market will do many things for your psyche. 

1). Make you feel like a genius.

2). Cause you to question your own ethics and standards. 

3). Force you to make decisions.

4). Entice you to make predictions. 

5). Humble you during downturns.

6). Comfort the future you, for uninterrupted long term compounding.

5 Year Itch.

I’ve officially managed stock investment portfolio’s now for 1,826 days. Roughly 260 weeks or 43,824 hours. 

I’ve documented a lot of my best and worst ideas on stock investing in real time. 

 Writing about markets has made things appear to occur a bit slower for me. 

Occasionally benefiting from outperformance. 

Drawdowns have forced me to focus on the elements of investing that never change. 

Below is a list of investment ideas I find useful. I also threw in some lessons you might like if you’re new to stock market investing. 

1). Sentiment is a feeling. Feelings are based on emotions. Emotions typically come with irrational behaviors. 

2). Fundamentals are foundational to getting the odds on your side. It doesn’t mean they’re bulletproof.

3). There are no sure investment ideas. Just probable outcomes. 

4). Just because you bought a stock doesn’t mean it was a good investment. 

5). When you understand that stocks are actually pieces of real businesses, you begin to think about what you own in your portfolio. 

6). The biggest risks in investing is assuming you can avoid risks. 

7). If you calculate it to the thousandth decimal it’s probably a bad idea. 

8). If it requires a margin account, you should probably close your brokerage account immediately. 

9). I was wrong about commodities. They function based on real world conditions and cyclicality. (Obvious I know). 

10). Before you average down, ask yourself whether the economic characteristics have structurally changed? 

11). Headlines anchor the herd. What you see can cause the squeeze. 

12). Surviving the aipcapex conundrum is simpler than you think. (I never said it was easier). 

13). Copying your heroes works great until it doesn’t. You never knew their reasoning behind the acquisition. Oh and your net worth is far lower than $380 billion dollars. Invest like it. 

14). If you found this list on TikTok, close your robinhood account and come to fidelity. It’s quieter over here.

15). If you need to ask someone for investment advice, you’re doing it all wrong. Think for yourself. Why are you buying the business to begin with? 

16). If you’re trying to get rich, get a degree, and a high paying job. If you’re trying to build wealth, learn how to buy profitable businesses. 

17). If you think about investing in terms of days, weeks, or months, close your brokerage account and put your money in a savings account. 

18). If you’re afraid we’re going to go into a recession you probably shouldn’t be investing in the first place. 

19). If you plan on selling every top, become a hedge fund manager. 

20). When fundamentals are in line with price, load the boat. The price ticking up a dollar or two is not a signal to stop buying. It’s tuition into the school of Alpha. 

21). Envy will cause you to lose more money than you can stomach. Mind your own business. 

22). The greatest skill an investor can possess is not mathematical knowledge. It’s not access to unlimited data. It’s inactivity. 

23). If the market falls and you don’t get excited, you’ve missed the point of investing entirely. 

24). Every time you buy a share the price is changing. Be sure to add up the price of each share you’ve bought. Next divide that total amount by the number of times you’ve bought. The answer will show you what price to buy at the next time you have capital to invest in that particular business. 

25).  Read and think 70% of the time. Invest 20% of the time, sit on your ass the other 10%. 

26). It doesn’t get any easier. You simply learn to have more patience over time. 

Subscribe.

Habit Adoption.

If you schedule success it becomes inevitable at some point in life. What do I mean by that? Using fitness as an example. You’re overweight but you have a goal of losing 50lbs in a year and a half.

Your current habits, and activities are what lead you to weight gain, plus your genetic makeup. Now you begin doing research on how to drop the weight. You find out about how to eat, how to train, sleep and recover. You also learn about supplementation that could help facilitate better results. Eventually along the way you discover there is also a certain mindset needed in order to get through the plateaus and difficulties of weight loss.

From there you realize you now have the insight and resources to acquire what tools and materials are needed to achieve your fitness goal. Now you begin putting together a plan (the workout and meal plan). You pick times and days to workout, prepare and eat healthier meals. From there you schedule rest days and know what numbers and looks are needed to ensure progress is being made. Now you practice this routine everyday.

Eventually it becomes a part of your personality. This personality becomes a lifestyle. Now you’re well on your way to success. In other words you can’t just manifest something simply by thinking about it. You have to adopt the lifestyle and immerse yourself in the daily activities required to obtain the success you desire. 

Decades From Now.

There’s nothing more embarrassing than knowing what to do, and not doing it. Getting into situations where you allow fear, doubt, pride and stupidity to stop you from progress. Before you make that mistake again, remember to think long term. Think about where you want to be 10, 20 and 30 years from now. Because turning up today could end up meaning, not being able to settle down comfortably decades from now. 

Average American.

Dear average individuals, before you critique and chastise those who are entrepreneurs, business owners, and college graduates, put yourself in their shoes. In other words, work 60 to 80 hours a week, without vacations and benefits. Make hundreds of pitches to investors. Take class after class, and complete assignment after assignment. Edit, revise, and blast out hundreds of copies of your resume to companies all over the state, city, or country. Pay back massive student loans, while having to work in unskilled labor knowing you put in the time to have potential to earn far more. Deal with people telling you your efforts are a waste. Listen to other average people complain yet defend the average lifestyle. Sleep only 4-5 hours in between jobs, college courses, and startup meetings. Default on 2 credit cards to see your dreams become a reality. Eat shit for 10 plus years, and still remain optimistic that your delusional ideas will become reality. Do all of this before you spend another day criticizing those who are doing the work. You only see the outcomes. Understand that people are going through hell to make sure they are in a position of power. This is why you can’t just blindly attack what you have not experienced yourself. 

1,200

One thousand two hundred days in a row. This is how many times I’ve hit publish on WordPress without missing a beat. From finance, to philosophy. The random theories in psychology, and a compulsive need to keep the streak alive. At this point in life, I’m trying to fix what was left broken for years. Taking the proactive and practical path is far more important than some theory or formula that may never see the light of day. I suppose I’ll break the streak eventually, and get on with the rest of my life. For now, I’m using this time period as a way to see how far I can take this compulsion, or until life outside of daily writing becomes interesting enough to stop publishing. I suppose more interesting things within the real world could make for better writing. Regardless of what happens nexts, it’s been fun and agonizing working on this mess of a project. 

Not that helpful but it’s something.

There is never going to be a one size fits all strategy or plan for life. Even if you copy someone else, you’ll still end up with slightly different outcomes. This is partly due to your own circumstances. Some of it might be based on your intellect, aptitude, and ability to remain resilient in the face of adversity. This being the case, stick with your strengths and build momentum whenever you do get a win or two under your belt. 

Full Speed Ahead.

Far too many of you (self included) are distracted. Social media, celebrity gossip, and unlimited channel surfing via streaming services. This being the case you get stuck in entertainment purgatory. Consumed with everyone else’s life instead of your own. This is why you don’t get ahead. This is why you never take risks. This is why you’ve been doing the same things year after year with no  real progress to show for it.

If you want to level up and grow, learn to fail more often.  Try shit. Start a small business, get a certificate or degree. Work 50 plus hours a week and create a zero based budget every single month. Work on these things until you have a fully funded emergency fund, have completed some courses, and have failed at two or more business ventures. Do whatever it takes to get yourself out of this mess because it’s been years and nobody has called you out on your laziness. Today is a new day to hit the ground running as fast as you possibly can so you can stop falling behind and actually start getting ahead. Blessings.

Rest and Venting.

If someone told me they were tired and worn out from work or other physical and mental activities, I’d simply tell them they need to stop what they are doing, and rest. Ironically I am tired and worn out from the physical demands of work. Yet I continue to work, more than ever before. The issue is survival mode and fear. However if you’re physically unable to keep going, you increase your chances of not surviving. This also exacerbates the feeling of fear. I suppose this is why the saying “work harder not smarter” gets tossed around as a key part of building and sustaining a better life over time.

The best thing I can do right now, is take a short break from everything. Allow my body to heal and move forward with more caution in terms of physical activities. Eliminating any unnecessary physical stress from my current schedule regardless of how uncomfortable it may feel. It’s so easy to sit here and type this out while failing to follow through on this simple advice.

In my mind if I slow down now, I’ll go back to living far too close to the edge. I’ll end up out of shape, overweight, dumber and lazier. Ergo lacking an ability to work hard and smart while squandering my time slot of physical strength. Eventually leading to a loss of everything I’m currently able to afford. Also jeopardizing the life of my partner because of my negligence. This is why the cycle continues and must stop.

There is nothing wrong with rest and recovery. Especially if it comes by way of overworking and stressing your body out on a weekly basis. The body will stop far before the mind does. I feel incredibly dumb having written this out. However, it is an attempt at me getting to the root cause. I’m not going to become homeless if I take a short vacation from work. I’m not going to blow up like a hot air balloon if I skip cardio for a few weeks. It will actually allow me to come back better, and more refreshed than I was before. If there’s anything you can learn from this random blog post, it’s to rest when the body gives you indications that it’s time to sit your ass down actually rest. 

Informative Dissonance.

Myths and misinformation will create more problems than solutions. Far too often we get a piece of information and assume it’s accurate based on whether the source sounds reliable vs whether it actually is true or not. A good rule of thumb is to analyze the information you come across. Verify this information. From there, challenge the information and it’s built in assumptions. Cross reference this evidence  against previous data, and find the latest updated empirical findings to support the original piece of information you found. If you don’t do this, at some point, you’ll end up succumbing to the misinformation scattered throughout history. Running through this whole process might be a way to enhance critical thinking skills. 

Prioritize Top Actions.

Productivity is great unless you’re working on the wrong things. Perhaps a lot of us spend time on things that don’t lead to progression towards our top goal. We just assume that more  unnecessary action means better outcomes. When you think about working towards a goal break it down. Look at what actions create the highest return on investment of your time. Eliminate everything else that is below that rate of return. This is one way to genuinely try increasing your productivity in life. 

Renowned Lessons.

Meeting a variety of new people allows you to learn from their experience without as much risk involved in pursuing your own journey. You get to hear about how they started, where there are, and sometimes can determine where they will finish. 

More often than not the lessons are always the same. The timing, or intensity of each lesson are two things that will always seem to differ, person to person. 

What are some of these lessons?

Save as much money as you can. Invest the difference in the stock market and career/personal development.

Financially retirement is inevitable. Make sure your nest egg is growing and full.

Marry the right person who will also want to marry you. 

Get educated, and stay educated.

Love your family while they are here.

Enjoy your youth. 

Be grateful to grow old.

Take care of your health.

Hire someone who’s better at it than you.

You are the company you keep.

Failure is a part of the process. Embrace it. 

Evolve or become stagnant.

Keep an open mind.

Don’t judge a book. (You know the rest). 

Work hard while you have the energy. 

Help others realize their dreams if you really want to live a good life. 

Study your craft.

It’s okay to be obsessed. 

If you find true love hold on for dear life, because it comes once. Twice if you’re lucky.

Laugh more. 

Do more so you’ll regret less.

Time is nonrefundable. 

These lessons and many more will be recycled, and repeated until the end of time. Use them wisely. 

Finish what you start.

There seems to be nothing nagging me at the moment. Often times my most intense writing comes from being bothered by an unsolved problem or query. Unfortunately I’m focused on reading every book in my library. Why? Because there are books that have collected dust for years. Books I’d forgotten I purchased. Books I lost interest  in after a few pages or a single chapter. This being the case I’ve decided to finish them. This will stop me from compulsively buying books based on the direction of my interests, research, and what I might call writing.

Nobody’s Looking.

When you really think about, nobody cares what you’re doing. This means you should start minding your own business. It means you should stop being afraid to take risks and fail. It means you only have this very moment to live a life you can appreciate, respect and enjoy. Other people have too much going on. If you were focused on your goals, you’d have no time to care what other people thought. Don’t let unimportant or fictitious opinions distract you from your mission. 

Day 1,100.

5 Things I’ve learned after writing and publishing 1,100 pieces of writing in a row…

1). An existential crisis is the realization that consciousness inevitably produces some form of meaning even if it’s darkness and dread. 

2). Death is the strangest paradox a human faces. 

3). You still can’t out train a bad diet. 

4). People have your best interests at heart until their effort is required. 

5). Life lessons are learned from falling on your ass multiple times. 

Exposure in action

You become what you’re exposed to every day. Want to be an athlete? Get around athletes or watch them and practice what they do. Want to be a musician? Hang around singers, songwriters, and people who play multiple instruments. An aspiring physicist must mingle with other physicists. The exposure shows you their habits, actions and thought patterns that lead to their given abilities. Showcasing what it takes to become successful in those areas. 

Iterative Attempts.

Your luck is increased by trying more. There’s a catch. You must ensure you’re learning from each failed attempt, to prevent permanent loss. Each lesson learned is supposed to be utilized to craft a better strategy and process of making progress. 

Components of Competence.

Natural aptitude can be harnessed as a skill. The skill can be crafted into mastery. Mastery can work as a recursive refinement of fundamental concepts across time.

Strategic Reflective Analysis.

The goal at some point is to poke and prod yourself into evolutionary behavioral patterns. If nobody around you is saying you fell off, you might think improvement is not needed on your part. Even if you are conscious of the necessity for improvement, you may be fixated on the wrong areas of your life. Look for existential holes in your game. 

Hindsight is 20/100.

Just because you realized what you could’ve done better, doesn’t mean you’ll actually do better next time. It makes more sense to adjust your behaviors according to missed opportunities. Mere reflection on what went wrong and why won’t suffice. 

Fail on the go.

When you overthink you lose the ability move forward. There’s only so many ways you can strategize to get what you want. Often times you’ll learn faster by making some mistakes along the way. 

Don’t just fail.

There’s nothing wrong with failure. The part that trips us up is not learning and remaining a failure outright. How does one learn from failure? Simply because you don’t allow yourself to repeat what didn’t work. You study the counter productive process that led to unsatisfactory results. From there you adjusts your thinking and practice. Make note of what works, and repeat until further adjustments are needed. It’s always easier to say, and harder to implement in real time. It’s still worth learning.

Self-Induced Traumatic Treason.

Childhood trauma for some of us turns into a disguise. It essentially says “Because of my previously hurt feelings, I have a built-in excuse for not living up to my fullest potential.” We only destroy our own growth with this poverty stricken mindset. It’s cool to process the pain. It’s okay to get through it and let go through acceptance. Constantly identifying with previous trauma may actually reintroduce it; if you haven’t fully accepted it for what it is. The goal is forward progression and maturation through deliberate and productive development. 

Dysfunctional Learning.

We all learn from environmental and cultural factors. We don’t know exactly which factors are best until we start seeking out specific solutions to our problems. This is probably why unlearning the basics of survival and everyday life is so important. There could be inconsistent patterns of behavior you were taught, that actually don’t serve you well in life. 

Cognitive Confinement.

An ignorant mind is left where it lay. We cannot know all that is. This may be appropriate in a sense. We can control more of the conscious input over time. A refusal of this kind is intentional dislocation of cognition; without parole. 

The art of organizing letters.

Writing seems to be the least creative activity. The letters already exist. Practically every single word has been categorized, and analyzed for spelling errors. Each word is defined, and given context. All a writer does is take a subcategory of those words; slaps them together on paper or a screen, and pretends to be some literary expert of sorts. I suppose you can go down the line saying the same thing about many an art form.

The Individual Fallacy.

Perhaps perception is not inherently individualistic. How can one perceive on an individualistic basis; independent of external and environmental factors influencing their decision making processes? We’re guided partly by what we learn and who we learn it from. This is not an individual pursuit. It’s both a direct and indirect orchestra of psychological and behavioral processes; that shape the individual experience. Which actually isn’t much of an individual experience after all. 

Flop but don’t stop.

You can stall as much as you want to. The unfinished ideas will still be there, collecting dust, and reminding you of how much potential you left on the table. Get out of the habit of not doing things because of some imaginary embarrassment. At least you’re trying and putting things out there. It doesn’t have to be a home run every time. Some ideas, or practices, are meant to teach you how you can do something better next time around.

Other creative processes teach you more about what you don’t want. Either way, you get more out of flopping than stopping. 

You’re stiff.

You’re not in competition with anybody other than yourself. Did you beat last year’s version of you? If not, figure out how you can. Use it as a way to exhibit self awareness. You’ll learn how to become more intentional about the decisions you make on a daily basis. 

Learners are earners.

Find something interesting you enjoy learning about. One of the best ways to keep strengthening your mind is by learning new things. When you have intense interest in learning, you expand your ability to think critically and communicate effectively. You also improve your ability to understand by struggling through the novice stages of the unknown. As the learning gets easier you must go deeper, to reignite and reinforce the learning process.

My list of 30.

List 30 things that make you happy.

1). Being alive.

2). Family.

3). A connection with God.

4). Working.

5). Exercising.

6). Reading.

7). Writing.

8). Thinking.

9). Getting enough sleep.

10). Laughing.

11). Singing.

12). Wearing clean clothes.

13). Having a roof over my head.

14). Being in a good mood.

15). Starting a new goal or process.

16). Making the most of my time.

17). Showering everyday.

18). Not skipping a blog post.

19). Attempting to be creative.

20). Making list before going grocery shopping.

21). Buying new books.

22). Driving.

23). Making money.

24). Investing more money into the stock market.

25). Talking about finance.

26). Paying down debt.

27). Helping someone improve themselves.

28). Having alone time.

29). Silence.

30). Being Happy.

The similar path.

When you think about it, almost of us are on similar paths. The difference may be some are at the beginning, some are half way through, while others are at the finish line. Remember that you are not the only one experiencing trials and tribulations. Be kind. Have patience, and always put yourself in the other person’s shoes.

This will allow you to approach things with more appreciation and gratitude in your heart for those who are going through what you went through, and those at others part of the journey.

No do overs!?

You’re not going to get a second chance at restarting your life over. No make ups, retests, or scrimmages. This is it. Make sure that you make the most of whatever life you have. Be intentional. Live purposefully.

Love hard. Learn as much as you possibly can. Be deliberate with your actions, words and deeds. Try not to make the same mistakes twice. Don’t get too caught up in your past.

Enjoy the present, and keep working towards a better future.

Trio.

List three books that have had an impact on you. Why?

The Warren Buffett Portfolio by Robert Hagstrom. I learned how important investor psychology was to making logical decisions, in regard to capital allocation. The Intelligent Investor, by Benjamin Graham. Here I learned about how important it is, to protect yourself with a margin of safety, incase your thesis is inaccurate. Poor Charlie’s Almanac by Charlie Munger and Peter Kaufman. There I got a good idea of how to think rationally under varying circumstances.

Trio.

List three books that have had an impact on you. Why?

The Warren Buffett Portfolio by Robert Hagstrom. I learned how important investor psychology was to making logical decisions, in regard to capital allocation. The Intelligent Investor, by Benjamin Graham. Here I learned about how important it is, to protect yourself with a margin of safety, incase your thesis is inaccurate. Poor Charlie’s Almanac by Charlie Munger and Peter Kaufman. There I got a good idea of how to think rationally under varying circumstances.

Can you do both?

You have to two options when it comes to knowledge, and information retention. Really fast, and sporadic, or slow and efficient. It’s a bit difficult to be able to do both at a high level.

Books.

Do you have any collections?

I never intended to have a book collection. I just became extremely curious about how to improve my life. I started with building a positive mindset. From there, it morphed into business and finance. I love my library and have found great pleasure in building it over the years.

Learn more.

Make sure you continue to learn. Self-study is just as important as going to school. There are many things you’ll never learn with traditional learning. This is why it’s important to understand those thing that we’re not taught as a child. Remain curious and keep adding to your knowledge base.

Now or never.

Jot down the first thing that comes to your mind.

It’s time to stop putting off what you know you should be doing. Becoming a financial expert. Who gives a crap how long it takes to accumulate the wealth. Just stay on the path and don’t deviate. Your life depends on how good you are at saving and investing. It’s not indoctrinated in school, so you’re on your own in terms of getting the most out of what you teach yourself. Enjoy the process.

Reading daily.

Describe a decision you made in the past that helped you learn or grow.

Reading everyday has stretched my brain immensely. It has improved my memory, and increased my ability to think critically. Reading also makes it easier to converse with others. Over time you also begin to improve your vocabulary, while being able to pull from many different references across multiple sources. Reading has been such an integral part of my development over the last four years.

I would encourage everyone to read more if they don’t already. Pick a genre you’re curious about, and make it a habit to read every single day. Even if it’s just a few pages a day.

It’s not educational.

Describe something you learned in high school.

These four years are simply here to remind you that there is so much more to learn in life. Yes it’s great to build friendships. Yes it’s cool to drum on tables, and to laugh so hard tears roll down your face, but this ain’t it. I learned that I graduated and really didn’t know anything at all. Okay I did know how to count to 100 and I remembered my abc’s, but that’s it.

Life starts after highschool. It really starts after college. So hurry up and get through it if you’re in that phase now. Okay forget about hurrying. Just know, this ain’t even where life begins.

Flailing failure.

Failure should be used as a lesson and a blessing. Failure can teach you things that success just won’t. In other words, always adjust your process to make room for failure. This way you stop avoiding failure, while remaining focused on achieving success.

Power is needed…

Don’t get so caught up in materialism that you forget to create impact. Yes you have a nice car or fancy clothes, and jewelry, but do you know how to begin building wealth? Do you have trusts and wills set up for family members to inherit cash producing assets? If not the conversation needs to change today and forever. Being a pretty face is not enough.

Economic empowerment is needed more than anything in today’s society.

Power is needed…

Don’t get so caught up in materialism that you forget to create impact. Yes you have a nice car or fancy clothes, and jewelry, but do you know how to begin building wealth? Do you have trusts and wills set up for family members to inherit cash producing assets? If not the conversation needs to change today and forever. Being a pretty face is not enough.

Economic empowerment is needed more than anything in today’s society.

Dear 100yr old me…

Write a letter to your 100-year-old self.

So far you’ve done okay. Which is not the way we wanted things to go. However, you. started moving in the right direction in terms of delving deeper into work that pushes you intellectually. Now you’ve become more of a family man so your responsibilities are incrementally increasing. This means every decision you make affects not only you, but your family and every other relative that comes after you.

Make sure to become an inspiration like the role models that you admire and look up to. Simply put, don’t have any regrets. Go for the biggest most challenging goal, and continue to Love hard, and try being way more forgiving. Keep God close, keep reading and learning daily. Lastly, find a way to help more people throughout life.

You’re just getting started.

Fail Tales.

How has a failure, or apparent failure, set you up for later success?

Bumping your head in life is perhaps the fastest way to learn. When you get everything right, you don’t improve. You don’t have to edit or fix anything. When you fail, something doesn’t go your way. Failure not only teaches you, but it humbles you as well.

Failure reveals that you are not all that you thought you were. Failure shows you, that you too need to make some changes, and can do better. Achieving success without failure can be fatal. It may be better to get acquainted with failure before success. This way you can come in humble and ready to keep learning.

Learn and live.

Continue to learn as much as you can. At some point these learned lessons will turn into a better lived life, in terms of implementing those lessons into your own daily routine.

What we can learn from failure.

When people say “failure is not an option”, I think what they really mean is that, “failure won’t be the ultimate result for me”. We need failure to occur in our lives from time to time. Failure is humbling. Failure is a learning experience. However failure does not have to be fatal or final.

Build, Rebuild, or Break Down.

Breaking things apart or building something from scratch, is the most ideal state of being. Listening to a conversation with Jordan Peterson, and it makes so much sense. It may be obvious to some, but those who aren’t aware, they need to know this before they crumble and implode. We as humans must always be constructing or deconstructing things in the world. This is the ultimate pursuit. Anything else, seems to become a bit too drab to bear.

Post 2,865…

Well, we’re closing out the year with the 365th blog posts of 2023. There isn’t much left to say and do in terms of where we go from here. I hope to write more about my perspective on the stock market and valuation of businesses in 2024. I also intend to add some energy to your day in terms of motivation and keeping the ball rolling. There are over 500 of you that have decided to come along the journey, and it’s awesome.

I appreciate each and every reader. I’m also thankful to the creators of WordPress for giving creatives a platform to express themselves. As I’ve said in a previous post, don’t get caught up in grandiose goals or ideas. Select one very important thing you need to accomplish and put most of your energy and effort towards getting that done. This way you can eliminate distractions by way of concentrated focus.

Upbringing Bias.

Is your current belief system based on what you really believe right now or does it all stem from what you were taught by your caregivers and or teachers growing up? The people we’ve learned from can have the biggest impact on how we live our lives in the future. This is why we must be intentional about understanding what is truth and what is simply an imperfect psychological condition or bias.

Watch your fingers!

When you accidentally slam the door on your finger, it’s an immediate lesson learned. Well, at least you understand it’s not the best idea to do it again. On the other hand, in society, a lot of us ignore how we managed to leave our finger in the door in the first place. By ignoring the position of our finger, we’re openly committing to no fault of own. We’re just letting life happen to us.

Continuously smashing our fingers, over and over with no resolution in mind. Compare this with the many mistakes we make along our journey in life. When you’re not getting the desired results you want you are metaphorically slamming the car door on your fingers (individually). We must become aware of the dangers the car door presents and figure out how to get those fingers to clear the path of the door. The door has to close in order to prevent exogenous safety concerns while driving.

In other words, find a way to get better at solving your problems. Don’t keep doing the same things, and bitching about the misery you keep creating for yourself. Become mentally efficient at solving your toughest problems by understanding, all that can go wrong before, during and after, you make both trivial and complex decisions.

Fail-ology.

Failure is a great way to improve. Every time you fail, you have to figure out where you went wrong. Learning from failure is the best part. When everything is always going right, you’re not as sharp. You can easily miss steps, or wind up taking too much risk, without realizing, if all you ever do is succeed. Don’t let failure take you out of the game. It’s actually a great way to learn.

You can’t edit the past.

Is there an age or year of your life you would re-live?

No because I’m my opinion, the implication is the idea of regret, or holding on to something which can not or was not meant to be redone or relived. There is also this idea of not learning from mistakes. If you learned your lesson, why on earth would you want to go backwards? Maybe I’m not being fun or need to lighten up. I understand the sentiment behind wanting to relive whatever was most precious to you, or the best moment of the past.

However, time does not go in reverse. Life continues to fly by all of us. Ergo it’s best to live every year as if it were your final year. This of course doesn’t mean adopting some balls-to-the-wall lifestyle. It simply suggest that it’s best for us to live with as much purpose and intent as possible. Planning out each and every day to do the things that are most important to us.

Being with the people we care about most. Exhibiting a higher level of honesty as opposed to not saying what you wanted because of the possibility of offending others. Taking those opportunities you would have previously declined by way of overthinking. Being more productive or resting more. Whatever your goals, and intentions, make them a reality as best as you can so there is no need to relive what has already happened. This is why memories are special.

We can use our memories to enjoy previous experiences. However don’t spend the rest your life simply looking in the rear view mirror. Continue to live with purpose every single day.

Oh you big mad? (Envy is pointless).

Instead of being envious of those in a better position, why not implement some of their strategies on a smaller scale? Being pissed off about another person’s success is so strange. How it is not inspiring to want to improve your own life when seeing others do well? I’ll never fully understand the hate that highly successful people get. If we spent more of our time putting in the work, to build our own fortress of success, we’d find more appreciation for those who have done it, and are able to sustain it.

You can always learn something from those who have done what you’re trying to do. Hating their results doesn’t make your life any better or worse than it already is.

Same game.

There is a lot of repetitiveness to life. The same work. The same clothes. The same conversations. The same neighbors.

The same jokes. The same issues. This is why we must continue to be grateful. Because some days it’s easy to lose enthusiasm, with the constant predictability of everyday life. We can break that predictability with a new mindset.

Changing the way we see things can offer us a fresh perspective on life. We can also zoom out and look at how changes can be made to our current existence. Finding ways to make things a bit more interesting is what will continue to get us out of bed each day. Still, now matter how redundant, God woke us up, and that’s always a win in my book.

Be nimble.

Learn to act with a sense of urgency. Great opportunities come few and far between. Always being prepared, will put you at a great advantage to act faster and more precisely than those around you. However if you’re just randomly grabbing at any and everything that comes your way, you’re going to wind up with a big pile of shitty ideas or outcomes. Scan your industry thoroughly, and don’t act until you are certain the odds are in your favor more than they are against you.

When the time comes, act with such speed accuracy, that nobody even knows you’re there.

Be nimble.

Learn to act with a sense of urgency. Great opportunities come few and far between. Always being prepared, will put you at a great advantage to act faster and more precisely than those around you. However if you’re just randomly grabbing at any and everything that comes your way, you’re going to wind up with a big pile of shitty ideas or outcomes. Scan your industry thoroughly, and don’t act until you are certain the odds are in your favor more than they are against you.

When the time comes, act with such speed accuracy, that nobody even knows you’re there.

This is critical.

Learn more about the way your country’s economy works. Many of us have very little knowledge of how money flows in and out of the economy. More importantly many of us don’t understand how to manage our own money efficiently. As a kid that’s fine because they don’t teach it in school, and it’s not immediately applicable as a child. As an adult it’s very hard to get through life being financially unstable, and ignorant.

Do what you need to do to become financially literate, and stable, because blaming the government, and relying on the rest of the country to fix your finances will be your biggest downfall.

Make room.

Find a way to get better. You may think you’re as good as you’ll ever be, but I bet there is something you can learn from your current experience. You just have to stay humble enough to know that there is always room to grow.

Economically irresponsible.

I read an amazing financial quote this morning. It said “just because you can make payments on it, doesn’t mean you can afford it”. This is so true. A lot of us are stretching ourselves out just to look the part for others, or because we don’t want to feel embarrassed about our circumstances. We don’t make payments on food purchases.

We just go into a grocery store or restaurant and buy food. On the other hand, people finance cars, homes, appliances, and even gifts for the holidays. They have even given us a “buy now pay later” option, which could end up becoming “buy now, pay never”. The lack of education in regards to finance is a part of the issue. However, we now have access to so much of the financial data and resources, that we can no longer make the same excuses, for our irresponsible financial decisions.

Seek, learn, understand, implement, utilize.

Simply showing up day after day is not enough. You get to a point where implementation and execution are essential ingredients to the success formula. How can you take the information you have found, studied and understood, and turn it into positive results? How can you create a systematic process with a high success rate? Because a lot of us have information, but we’re not doing anything with it.

What is the point of having this information and not utilizing it to live your best life? When you learn something knew immediately use it in your own life. Instead of waiting until things are perfect or better. Things will never be better than what they currently are in this very moment. So as much as we plan for the future it really is the frame by frame, actions that dictate where the future may be.

The circle that keeping on circling.

When I think about the idea of sticking within your circle of competence, I don’t see how it’s possible if you continue to learn new things. We all start at zero on day one in regards to our intellect or lack there of. However over time you expose yourself to many ideas, topics and concepts. Some of these things stay with you. There are other ideas that get filtered out of your mind almost immediately.

Over time, you are building upon your circle of competence whether you think your are or not. Even in the simplest of cases. Keeping this brief, I guess the idea of staying within your circle of competence, means doing what you know you’re best at doing, instead of constantly trying to add some new wrinkle to your game.

Fail with purpose.

Being willing and able to fail more than anyone else will allow you to get further in life. Not because you’re better than others, but because of your ability to learn from all of the mistakes. It’s good to accomplish goals. However we don’t really learn too much from succeeding. We think nothing needs to be improved with a bunch of consecutive wins.

When you fail, you know instantly that something went wrong, and it might have to do with your approach. Even still, failing is not simply it. You have to learn something you didn’t know, or might have forgotten about, after the fact. Than implement it into your next attempt in order for failure to be turned into a source of motivation and a formula for success. Let’s look forward to failing more and learning from it, to have better results in the near future.

Smack dab in the middle.

Jot down the first thing that comes to your mind.

We have to stop giving a damn about public or popular opinions. Go after what you want with every ounce of enthusiasm and effort you can give. Doesn’t matter if you make it or fail, what matters is the journey you went through from, inception to the final destination. Just enjoy the ride. Often times we get too caught up in what the ultimate prize is, or how daunting it is to begin the journey, while forgetting about the best part, which is the middle.

Enjoy being in the middle of the chaos, the beauty, the disaster, the confusion, the breakthrough, or whatever stage you’re currently at. We can’t wait to get started, but always reminisce when it’s all over. This is why the middle is such a prominent part of our story and life. ENJOY THE MIDDLE!

Give two shits.

The moment you stop giving a shit about what people think of you and your life decisions, is the moment of bliss you’ll wish you had all along. People will always make you feel like you’re not doing enough, or like you’re doing too much. This is why you have to turn off the noise. Tunnel vision is all you need in this short existence. Just go for what you want. Who cares if you actually suck or are stupendously amazing at something. Just live your truth, all of the way through, without an ounce of care for cheers or boos.

Familiarity & Knowledge.

No one individual is beyond getting better. There is always something new to learn. However if you’re very focused on a specific topic, practice or profession, you can always improve upon your current skill set and knowledge base. Often times people will declare their understanding of a subject, but not know it’s origins, or the latest developments within the field. The reason we think we know something is because we mistake familiarity for knowledge and understanding.

Just because you’re familiar with something, doesn’t mean you fully grasp the concept of it or have an immense understanding of it.

Are you prepared?

For a worse case scenario? Are you prepared for the possibility of major layoffs or a run on your bank? Is there any ounce of fear in your mind about the reality of how uncertain the economy is? If so, it’s okay. All you can do is improve your current situation.

Adopt a systematic approach to how you mange and organize the little bit or large amount of money you have. As the saying goes, “it’s not how much you make, it’s how much you keep” that’s more important. Another tip is learning a trade or skill that is valuable, and needed within your area of expertise. Applying the right information in order to increase your knowledge will also go a long way in ensuring your survival. Be proactive in securing your future during what appears to be uncertain times.

Make use of what is useful.

When learning new or useful information, I need to focus more on actually utilizing that information. Putting that useful information into actionable steps is what will separate me from my former self. A lot of times we just consume information, and assume we’re better for it. Just because you know a lot of shit, doesn’t mean that you’re actually better. It just means you’ve crowded your mind with more stuff.

Are you putting that new information to good use in the real world? Because if you’re not, it’s all for nothing. Unless of course you’re more so an introverted intellectual that is addicted to new ideas.

Money…Money…Money…Money…

Most advice on money is the same.

1). Assessing your financial situation.

2). Creating a budget.

3). Paying down debt.

4). Avoiding lifestyle creep.

5). Cutting costs.

6). Increasing income through side hustles or starting a business.

7). Saving & investing the difference after paying expenses.

There are small details that are always left out, or misinterpreted. One of those being in the world of “investing the difference”. Investing in what exactly? The difference between what and what? Typically we get our gross income, pay taxes and dues appropriately, after creating value or fulfilling a need via our profession.

Whatever is left after that is of course net income. After Net income is assessed, we pay bills. After bills are paid, we either have something left or nothing at all. This “something left” or “nothing at all” is the difference that is to be invested or not. From there, you are hit with a vast array of investment options, strategies and possibilities.

Deciding what the best approach is, could take years. Since most people typically don’t want to take the time to learn they skip over a lot of important stuff, and freak out whenever they see their portfolio is down 20%, 30% or worse. Since some just cannot take it they may sell their stocks, bonds and ETF’s or mutual funds. Others just put money in consistently without knowing exactly what they’re paying for. This is a part of the reason we still have a lack of financial literacy within certain communities. Of course other reasons are, the images and lifestyle we see via social media, and or in the world of entertainment.

Blindly investing in the stock market is not the best way for us to build & sustain wealth over time. Social media, is just that. Media made to be social on. Educating yourself on how the wealthy are investing, building and sustaining their wealth is what needs to be studied. Not looking at the fancy stuff.

This post was pretty choppy and all over the place, however I hope there were some key takeaways for you. Final thoughts: you probably wouldn’t cross the street with your eyes closed, so it doesn’t make sense to invest money into the stock market without understanding how markets works and what businesses you’re buying every month or whenever your strategy calls for you to deploy capital. Maybe I’ll follow this post up by breaking down each of the 7 “tips” you always find on how to be better with money. Maybe not. See you tomorrow.

Copy cats?

There is so much financial content posted online (including this 😭) that you can’t tell what’s legit and what’s horse shit. Something I find funny is the fact that when a lot of us run out of financial material to discuss, we start talking about what The most influential investor is doing, buying, or selling. It’s such an easy lever to pull. When in doubt, talk about one of the most popular investors of all time. I get it.

Nobody is going to study and put in the work the way he/she has. Yet and still people don’t learn from it. If we just model the ability to have an insatiable desire to continue reading everything, about business, the content will create itself. You don’t have to continue latching onto the legends. You can learn from them, but at some point, you have to create your own thesis on investing.

A word on Rest, & Advice.

Rest for me is definitely not easy to get because I’m stubborn and feel like I’m missing out on action. The worse part about it is, I’ll record a podcast talking about the importance of resting and recovering. Specifically from exercising. Contradicting my own commentary openly. However, I do find myself scaling back a lot more, in terms of lowering my levels of intensity during training, and feeling aches and pains, and walking away from whatever workout I’m doing that day. I also have been taking short naps, and or sleeping in.

Again, not because I want to, simply because I’m trying to practice more of what I preach to others online. It sounds ridiculous, but a lot of us give advice that we often don’t follow. We do it because it sounds good or feels like the right thing to say. Another angle is giving advice because it’s what you would have wanted someone to say to you, in the beginning of your journey. All of this being the case, the lesson, is resting more often, and taking your own advice if you plan on giving it.

Almost forgot.

Today was too normal of a day in terms of my thought process. I worked on some creative projects, and critiqued my results until I was satisfied. Not too into what’s happening in markets (stocks) since it’s mostly, just a “go to cash” kind of energy we’ve been getting and giving. I’ll start working on episode 121 of my podcast tomorrow. It airs this Sunday.

At this point I’m just breaking up the monotony of my everyday routine. I am so habit bound that when I simply change one tiny action, I’ll forget something major right after, if that makes sense. I’m used to waking up and robotically getting things done a certain way. Now when I break routine, I feel like I should punish myself. The truth is, I’ve been needing to take a break.

It’s been a long two years of recalibrating my brain, and learning to think about the world a tiny bit different. Also, it’s fun to escape rules and regulations, to be fully creative. I also broke another streak/rule of blogging which drives me nuts, but I guess that’s why this post came about. Because I almost forgot to write it.

Cash in session.

Why is it that schools are still designed the way they are? Where are the side hustle classes? How come they don’t have “Understanding W-2 taxes 101”? I haven’t been in school for many years so maybe they changed a lot. What happens when students enter the real world, and are hit with emergency expenses, but we’re never told to always keep 3 to 6 months or more in liquid cash reserves incase of unexpected costs?

Where are the budgeting project that teaches students how to live in less in order to have enough left over to invest for future opportunities? It’s a wonder why so many of us rack up debt and don’t care enough to see the hole we’re digging. Even still, our response might be “I was never taught”. Of course now, we have all of the information online at the push of a button. Of course the sooner we learn the better.

Just imagine the kind of economy we could have at some point when a large majority of students are well equipped from a financial literacy perspective.

Subprime Part 2?

Yesterday I was reminded of BofA’s (Bank of America) “No-down payment” mortgages. These mortgages are specifically designed for minority communities, in order to allow them the affordability of becoming home owners. They require no down payment or closing costs, and no credit score limitations. The eligibility is based on one making consistent monthly rent payments as well as consistent payments of utility bills. You do have to complete a home buyers certification course in order to apply for the application.

I was compelled to speculate as to why they would offer this type of program, during these current economic times. There was a yahoo article that briefly mentioned the subprime debacle of 2008 (Here). This makes perfect sense in todays environment, being that inflation is still over 8%, and the cost of capital or borrowing, has and will continue to increase for the remainder of this year. Possibly even next year. Being that interest rates are increasing, BofA has to be getting properly compensated for offering these no-down payment mortgages.

I don’t think it’s a coincidence that they are doing a test run of these no-down payment mortgages. This could be really beneficial for minorities assuming this program and the offering are legitimate, or this is just a way to take advantage of misinformed individuals. I’m leaning more towards the latter of the two. Of course I have succumbed to my own biases here, but can you blame me? There may be a frenzy of applications submitted without thoroughly reading through documents to find what has not been uncovered.

This is especially concerning since, rumors suggests that’s banks of this magnitude have been know to racially profile customers. I hate to bring this perspective to the forefront, but being that we may or may not be headed towards more economic turmoil, this program seems very predatory. I left a post on my Instagram story that states : “Absolutely nothing wrong with creating a business to earn a profit. It is however incredibly unethical when a business preys on the gullibility, & ignorance of a specific demographic in order to massage the numbers, or get over on people, at the costs of their livelihood. Especially on the back of forecasting upcoming economic turmoil that could hurt so many people. In the same breath, we must conduct our own research, because they continue to find ways to try and keep us uniformed. They lull us with entertainment to keep us ignorant. We must educate ourselves beyond standard educational requirements.”

Software Update Available.

The most expensive lesson we learn is not learning anything new outside of what we currently know and feel we understand. There is always something to be learned about yourself and about life. You can’t leave it up to chance to be put in beneficial situations just because. You have to be absorbing new information all of the time, in order to end up in new places with new opportunities. Because the world around us is always changing and evolving, we must be updating our mental and intellectual software, just as often, otherwise we will be left behind completely, at the mercy of ignorance.

It’s not a race. It’s your pace.

It’s funny how people will inadvertently try to make you feel as though you need a to meet a certain time requirement for everything you do in life. I’m not rushing myself to live up to your expectations. We all learn and grow at different speeds. The fact that one person is at a certain point doesn’t make you less responsible, or inadequate. If it takes you longer that’s fine.

Just make sure you’re getting the most out of the process. It’s not always about how fast you’re moving towards your goals, as long as you’re moving towards them.

Where are we?

When sifting through some of the macroeconomic data, you start to get a sense of confusion. Two negative quarters of GDP growth, at some point in history was considered a recession. Now we have one organization who is apparently responsible for sounding the alarm on that. When looking at the labor market, the “experts” suggest a prosperous and tight labor market, which keeps us out of recessionary territory. The country continues to pile on the blame in regards to the federal reserves mandates, and being behind the curve, while trying to tame inflation.

At this point, I think the information age is causing a bit of chaos for the graduates who have the credentials to define and classify where we are from an economic perspective. Ironic as it may be, people who may have never actually felt the pressures of inflation or being in a lower tax bracket, are simply making very confusing claims that are heard by those effected by price increases and potential layoffs. It’s very clear that we will continue to be divided as a nation when it comes to the current state of the economy. Meanwhile, the data leans towards more of a slow down, over the long term. Building cash reserves, emergency funding and savings may help me to navigate my way through this time period.

I also might benefit from adding some hard or soft skills to my resume. Being that many companies are actively recruiting. My back will give out before my brain does, so it’s great to work hard, but being able to work smarter as the possibilities of artificial intelligence increases, certifications and licensing will give me a head start against those who can only use their backs to make a living. For now, I will continue to learn, and play things by ear, because even the professionals don’t seem to have a good grip on things.

Comfort Recalibration.

Whatever your capacity to learn is, that is your limit. So if you’re able to increase your ability to learn new skills, you can by default, expand your limitations, or possibly eliminate them altogether. It’s really up to you, what work you’re willing to put in, day after day. If you’re uncomfortable with something, attack it head on. I might not be a quant or numbers guy, but I can expose myself to various calculations, and ideas surrounding the basics of mathematics. By doing this, I can practice, and fail, until it clicks.

Once it clicks, I can understand my weaknesses, address them, and see how simple it is, to just stay exposed to what was or is uncomfortable. If I’m uncomfortable, it forces me to grow in order to recalibrate my new comfort level. Of course the new comfort level is above my previous one. Hence, the growth. The same may be true for you in others areas of your life.

Maybe not all.

We all want the same things in regards to building wealth. We all want to be financially independent. We all want our dividend income to cover our annual expenses. We all want to be able to make money on most of our investment opportunities. We all might not get there, but if we’re willing to do the work and learn, we can cover a lot of ground.

Maybe they just don’t care.

Being that there is plenty of historical data showing the constant fluctuations within economic cycles, why don’t more of us prepare for them? Why not have a recession-proof plan? Why not take advantage when interest rates are actually stable or negative in regards to utilizing looser monetary policy? Why is it that every time things go south from an economic perspective, people just choose to panic? Is financial literacy still a huge issue in this country?

It seems like it is. I often have brief conversations with individuals, and some are still baffled by the world of finance and how it works. Especially when it comes to investing. Yet people keep throwing money into their brokerage accounts, disregarding how markets work, and how money flows through banks, and the economy as a whole. Are people just lazy, and not willing to learn on their own?

Is it really the responsibility of the school system to create more courses around financial literacy, like taxes, budging, saving, and investing? I don’t feel like we can blame schools for people’s lack of interest in knowing how money works and how to make their money work for them. If you’re curious enough you’ll ask lots of questions and or read about how it works. It’s hard to improve financial literacy amongst Americans if they themselves are not willing to do the necessary research. I feel like it’s similar to obesity, in that, without people’s willingness to do something to fix it, the problem will never truly go away.

Especially when others around them are just as likely to enable the same amount of ignorance.

Just do you.

At this point, I think we make market, and economic predictions, or projections because it give us something to do. The constant commentary is overly done by us all. If you’re going to invest, INVEST! If you’re going to day trade, DAY TRADE! Ultimately we’re all trying to use the market as a wealth preserving/wealth accumulation tool.

There is no one strategy that is best. There are only individuals that find strategies that work for themselves. Find your strategy and stay the course, because it’s long. The beauty in it all, is that you get to learn a shit ton of useful information that it not taught in elementary, middle or high-school.

The Daily Process.

I have to say, getting back into blogging every single day is not as simple as typing whatever is on your mind. My mind does not always think concrete, clear and concise thoughts, that can be transferred on screen. Waking up knowing you need to say something is not always enough to get you going. Some days, you have to reach for ideas that actually make sense. Other days, you can’t type fast enough.

Usually I write about what I study, and think about most. Other days, I try to motivate, and give pep talks to myself that I openly share here. It gets boring from time to time, so having an unqualified opinion on things like stock investing, valuations, and the U.S. economy gives me something to try and get better at over the next decade. All of that being said, I will continue to learn, and absorb information that is of interest to me. The more I learn and the more I understand what I’m learning about, the better I can become at writing about it.

Short & sweet.

I don’t know where things will end up from here, but I do know, that I’ll keep increasing my knowledge base over time. I don’t care much about being the coolest. I want to be able to pull from the deepest well of information possible. I want to continue to soak up useful ideas that I can use to improve my own existence as well as my family’s. The path to improving never ends and that to me is the point of living.

Curiously…

Curiosity, will probably do you the most good in terms of building your knowledge base, and in some instances, advancing your skills and career. When you have a desire to know about what things are and how they work, you’ll take the necessary steps to do the work and study the various aspects of those topics of interest to you. Some of those topics will be interesting but not enough to get you activated. There will be one or two subjects that drive you to put down everything else to dive deeper into the nuances of whatever has your full attention. This will become of good use assuming it’s not trivial.

Another key element will be you actually taking action and using the information you consume to your advantage. So if you’re not already a curious mind, I suggest your learn to become one, over time.

Let’s take advantage.

Sometimes we forget how fortunate we are, by our lack of enthusiasm and effort. Recognize that you were given many chances for a reason. Some people did not make it through the same difficulty that you did. Take that as a sign, to fulfill your deepest desires. We only have one opportunity to make this life our very best.

Sit around and pout for the rest of your life, or get up do something with your time that will make a valuable difference for you and those around you.

Understanding the panic.

I wonder why people freak out over what they hear and see in the news. We now have the ability to find out ourselves about any and everything we see and hear. The information is more public than ever before. Instead of panicking, try learning about what is troubling you, and see if the panic is worth it. Sometimes lack of understanding is what causes a lot of panic.

Open to the idea.

If you stay open minded, you’ll continually find opportunities that others miss. Know what is useful to your specific situation and dismiss what is useless. You can’t take on every opportunity, so you need to calibrate your metrics according to what you need to get done most at that point in time. In other words, all that glitters really is not gold. It’s up to you, to investigate whatever is in front of you.

In today’s environment.

The only logical thing to do now is to protect yourself your family, and any of your assets. While waiting for this economic turmoil to pass, it may even be beneficial to learn a new skill to pass the time. In layman’s terms, get better.

Fail your way to the success.

The best way to prevent failure is by never trying anything. Which if that’s the case, you’re merely existing. Accept failure as a piece of the puzzle. It will help guide you. How else will you know when to put in more effort or when to pull back a little?

Of course you can simply improve your self awareness. For some people nothing speaks volumes like a big failure. It puts things in perspective. It’s a humbling experience, and an awesome teacher as I’ve heard some say. So if you’ve failed recently, it’s not the end of the world.

It might just be the thing you need to recharge you.

Ignorance is Crippling…

If you’re truly serious about your goals, and are trying to master your craft, you’ll learn the game inside and out. There is no “I’m not familiar with the name or idea” talk. Because on your journey it’s about constant improvement. You need to continue to make incremental progress towards the path you have chosen. If you hit a road block, bust through it, or go around.

Stop giving yourself a way out. “I don’t do well with numbers”. Because you don’t study them enough. “I’m more of an artist so I don’t handle the business side of things”. Because you’re too lazy to read thousands of business documents and converse with your lawyer in order to gain proper understanding of your contracts.

Stop making excuses for yourself to be half ass. No more half assin this year, or any other year in the future. Wake up a little earlier, or go to bed a little later, and spend the time improving your skills and mastering your craft.

Disciplined.

Discipline is not something you can put on autopilot. Nobody is born with discipline. It’s something that you have to be mindful of every time you practice your craft or study for a test. People will always tell you how important discipline is, but some don’t mention how active you have to be in order to stay disciplined. Being disciplined means actively doing something everyday, week, month, or year.

Discipline is taking no breaks. Discipline is missing that party. Discipline is staying focused on consistently doing what you said you would do, regardless of any challenges you may experience along the way.

No reason for ignorance.

As a society we can no longer say we don’t know. The information is available and a large portion is free. You know the answer. You just want an excuse that allows you to ignore it. It just doesn’t work anymore.

Sitting around being ignorant is absurd. Use the information to your advantage. You should be far more intelligent at this point in life if you’ve been staying curious and learning more about your craft and or about life. Some of us think we know things based simply on experience. Well there are some instances where experience won’t cover your assumptions.

Why on earth do people go to college? Many reasons. A lot of it comes down to information specific to their intellectual needs in order to be qualified to earn higher wages in their chosen field. Without the information the entire system is useless. I wasted all of these words just to say, take advantage of utilizing the information that is available to you.

Passion. Purpose. Perspective.

I’ve linked my podcast to the WordPress website. It’s funny, I started the podcast a few years ago by reading aloud a few of these blog posts from the earlier days of 2012 when I started writing a little more consistently. I quickly found out how boring that was to me. I finally decided I will keep doing what I like. This resulted in me going on and on about fitness, nutrition, and as of late finance.

Why start podcasting now? Because there are moments in time when I have so many thoughts and ideas, but nobody willing to listen with as much enthusiasm. I either talk until I’m blue in the face about things I find interesting, or I’m completely mute and deep in thought. Writing this blog allows me to organize the quite thoughts. Recording my podcast allows me to fully and openly express my opinions and ignorance on various subjects I love, while learning to further understand what I’m “teaching”.

If you like podcasts about exercise, eating a little healthier, finance, and overall self-improvement, type Passion Purpose Perspective into Google and listen for yourself. Here’s the Podcast . By no means is it polished or perfect. However it is me and I find it beneficial to release some of my inner energy and curiosity. Of course the goal is to educate and create curiosity within others, while trying to become a better learner and communicator. So far, the podcast has been streamed in 25 states domestically, and 13 countries globally.

Our audience is very concentrated, but growing weekly. Although I’d like to grow a little more, I do appreciate our concentrated audience. As we begin season 3, I hope to improve upon the foundation that has already been laid. Thanks for reading, and if you’re a fan of the podcast, thanks for listening. More content is on the way.

Self-Control.

We can not control others. We might be able to teach others, or influence and motivate others, but that’s the most we can get out of it. When it comes to self however, you can control a lot. You still can’t control 100 percent of your life, but there is a lot more room for growth here. You can dictate who you spend time with.

You can adjust your diet, and incorporate exercise to improve your health. You can increase your knowledge base by reading, studying and understanding new topics of interest. You can meditate to keep your mind calm, and your focus sharp. You can earn degrees or certificates that allow you better opportunities for a salary increase and more professional relationships. You can become a better partner to your spouse, by understanding their love language and supporting their goals and dreams, while pursuing your own.

I think you get the point by now. If you spend time focusing on what only you can control, the rest will fall into place.

Right side up.

Don’t allow yourself to get stuck this time. Expand your resourcefulness, and work your way out of any corners with action, strategy and skill. Make this your most strategic year ever. Become so prepared for any and everything, that any and every moment becomes advantageous in your pursuit of excellence.