Welcome! This is a weekly email I send out to help us all become wiser, healthier and wealthier. You can find all past issues (including this one) here.

This week brings a few changes to the newsletter - for the better I hope.

I noticed (after writing it) that the last few newsletters were getting really long. Which isn't inherently bad, since the content is of high quality, but it isn't what I had envisioned for Wise Owl Wednesdays.

I want this newsletter to be a small, quick burst of wisdom or knowledge you can take into each week.

So, to try and drive a little closer towards that goal I will be testing a few different things.

Let me know how this goes

This weeks issue will cover the following:

• Book Giveaway update
• The quote of the week
• Our book of the month
• Tips to make you wise, healthy, and wealthy in times like this
• Your homework this week

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Book Giveaway Update:

Last Friday March 27th I launched the first Wise Owl Wednesday Quarterly giveaway.

We've gone over many books this first quarter and I want to buy 8 of you the one book you most want to read.

If you haven't entered yet, or want to see your entrance page you can do so here.

Wow! This giveaway has already received several hundred entrants and blown by my early goals for outreach.

The giveaway closes a week from today, the night of April 8th.

I will announce the 8 winners on Thursday morning, April 9th, which happens to be my 30th birthday.

Quote of the week:

Man, if the world didn't have enough to worry about regarding their health!

Now it looks like quite a lot of people are starting to realize how much worse the economy is becoming.

I like this quote for this week because a lot of you are worried about money. A lot of you wish you knew more about money. Many of you have actually reached out to me to get my opinion.

Some of you are even thinking about buying a house!!! (Don't do it right now pleeease)

If you want money to stop costing so much of your time, happiness, or sanity then read on. I am changing the format of the book section to better help readers get more out of the content there

Book Of The Month

The Update To This Section

I will make this brief so we can get into the book.

This section will now feature one book for the entire month.

Why? So I can go in depth into the book throughout the month allowing you get more knowledge and takeaways.

So this is the format:

Week 1 - Introduce new book, talk about why it's great

Week 2 - Review the first third of the book and give takeaways

Week 3 - Review the second third of the book and give takeaways

Week 4 - Review the last third of the book and give takeaways.

Then I will create a comprehensive book review from the past months discussions!

Book Of The Month for April - I Will Teach You To Be Rich by Ramit Sethi (2nd Edition)

Our first book of the month has to be money related. Too many people are scared right now about their finances.

So we are going to start with the personal finance book that I feel best works in both bad economies and good. Hell the original version of this book was released in March of 2009, in the depths of the last recession, and became an instant NYT best seller!!

Why this book is awesome

The first chapter will immediately save most of you money. It involves getting your credit card providers to stop being assholes. If you read chapter 1 and implement what it teaches, you will save money, and your credit score will improve.

That's what I like - a book that kicks off with actionable advice that can instantly save you $$.

This month we are going to cover the following via Ramit's book:

Next Week: April 8

• Chapter 1 - Optimize Credit Cards
• Chapter 2 - Beat the Banks
• Chapter 3 - Get Ready to Invest

Week 3 - April 15

• Chapter 4 - Conscious Spending
• Chapter 5 - Save While Sleeping
• Chapter 6 - The Myth of Financial Expertise

Week 4 - April 22

• Chapter 7 - Investing Isn't Only For Rich People
• Chapter 8 - How to Maintain and Grow Your System
• Chapter 9 - A Rich Life

Your homework this week is to get the book! Make sure you get the second edition and not the first. He released a revised and updated version last year. Links to get the book are below.

Links to get this book:

• Kindle
• Hardback
• Audio - narrated by the author (hilarious, actually)

** The links above are affiliate links. If you purchase the books with the links above, I receive a super tiny commission, which helps support this newsletter. Thank you! **

Tips or Tools of the week: Wisdom, Health or Wealth

Each week I share either three tips or three tools that will help you become wiser, healthier, and wealthier.

Wisdom tip of the week: Beware of April fools pranks

Last year my favorite author released a book schedule for my favorite series. A lot of people believed it. Did I believe it? No comment. Basically new books should have come out by now according to that fake schedule.

I'm still sad inside.

Beware my friends. Beware.

Health tip of the week: You can DIY your own anti-viral mask if you want to level up your mask game

I found this cool mask DIY guide on twitter. This will give you an anti-viral mask you can wear out an about. Masks are in fashion now people, and wearing an anti-viral one will actually do something instead of just making you look like a ninja.

This is not a guide to make a mask from scratch, but I believe doing this guide on a bandana or thick strip of cloth can yield similar benefits when wearing in place of a legit mask. The idea is that doing this to a mask kills viruses instead of just stopping them on the mask.

Stay safe, not sorry.

Wealth tip of the week: Do NOT buy a house right now, but if you want a car? Yeah maybe go for it.

None of our jobs are truly secure. Unless you work at Zoom or Slack right now, our jobs are not 100% secure.

Avoid making huge purchases unless you absolutely have to. Definitely do not buy a house. AirBnB's and landlords are desperate to sell their rental space and are willing to take insane deals. Look there first if you need a new place. Hell, maybe work with an AirBnB host for a longer term contract.

As for a car?

Fun fact - I used to work for General Motors.

I have friends that still work there.

GM, Ford, and all other automotive manufacturers are not making cars right now. You can't tell yet, but in a few months the world will run out of new cars.

There are some ridiculous deals on cars out there if you take the time to look. So if you need a car for any reason, I recommend looking around for a used vehicle. People are desperate to keep selling, and in several months I predict you won't be able to find many deals.

If you don't need a new car, don't spend your money! Save it.

Your Homework for the week

This newsletter is useless if you don't take action. So be the boss that we both know you are and do some homework.

• Get the book of the month - I Will Teach You To Be Rich so you can level up your finance game
• If you want to make a mask antiviral - use this guide to make your own
• Fill out this 2-min Cryptocurrency survey if you are curious about crypto

Share The Love, and Help Me Help You!

What did you think about the newsletter?

If you know anyone that could benefit from reading this, please forward it to them.

Also, if you have ideas or thoughts in the following areas, please let me know!

• Books I should review
• Topics you would love to read about
• YouTube videos you'd love to watch

Let me know by replying to this email!

I read all of my emails.

You can also read past issues here!

I just now set up and launched the book giveaway.

8 of you will win a book of your choice from the following list

• Keep Going by Austin Kleon
• Steal like an Artist by Austin Kleon
• Letters from a Stoic by Seneca
• Stillness is the Key by Ryan Holiday
• Discipline Equals Freedom by Jocko Willink
• Start Finishing by Charlie Gilkey
• Atomic Habits by James Clear

I will announce the winner on my 30th birthday, April 9th.

Then, if you're a winner, I will buy you the book of your choice and send it right to your door.

Social distancing approved!

Again you can enter the giveaway from this link.

See you next week for the next issue of Wise Owl Wednesday!

Garrett

If you've come across some good COVID memes send them to me on instagram - @wisehealthywealthy

This weeks issue will have the following:

• The quote of the week
• What I am currently (re)reading
• Tips to make you wise, healthy, and wealthy in times like this
• Any new or relevant Wise Healthy Wealthy articles I think you might enjoy Taking a break from this section this week due to the issue being really long already
• Book Giveaway early announcement
• Some ideas for the future of Wise Owl Wednesdays

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Quote of the week:

I have hundreds of these quotes with my Wise Owl named Whowly featured in them.

So when I was perusing through them all earlier this week this one made me laugh out loud.

Why? Isaac Asimov was born in 1920 and died in the early 1990s.

If the COVID-19 pandemic is any indication, science is still gathering knowledge faster than society can gather wisdom.

Just because society as a whole is slow to figure shit out doesn't mean that you have to be that way.

This is a newsletter about becoming wiser first, then healthier, and finally wealthier.

The idea is that only once you are informed and take care of yourself should you focus on building wealth for yourself and your family.

Wisdom = Intelligence * (Knowledge + Experience)

There is a lot to learn from this pandemic, and we all have our shared experiences to apply to what we can learn.

You can't change society without first changing yourself. It's time for all of us to level up.

Current Reads - Atomic Habits by James Clear

Our world has been turned upside down by a tiny little life form, and the virus got me thinking about how something so small could, over time, make such a huge impact.

Then I remembered a book that came out a few years ago about how we can turn that phenomenon to our benefit. Thus I found myself re-reading Atomic Habits by James Clear.

Why this book is awesome

The premise is simple. Small changes over time create drastic results.

Small habits, over time, create even more drastic results.

See this chart (which is in the book)

If you can stay consistent, and try to get at least 1% better every day for one full year, the results are ridiculous.

Tiny habits that require little to no effort can lead to massive results. We are stuck in our homes for the foreseeable future, as a tiny virus spreads its influence across the globe.

What are you going to do with that time? Are you going to let bad habits drag you into anxiety and boredom? Or are you going to read this damn book and get your shit together.

We are on a journey to become wise, healthy, and wealthy.

The world may seem like it is an impossible place to become wise or healthy, much less wealthy.

But that is bullshit - there is more opportunity now than there has been in a while.

Use this book as motivation to take a little action everyday.

Links to get this book:

• Kindle
• Hardback
• Audio - narrated by the author

** The links above are affiliate links. If you purchase the books with the links above, I receive a super tiny commission, which helps support this newsletter. Thank you! **

Tips or Tools of the week: Wisdom, Health or Wealth

Each week I share either three tips or three tools that will help you become wiser, healthier, and wealthier.

Wisdom tip of the week: Learn from masters of the past

This is not the first quarantine in the history of the world. It has happened many times over the centuries.

Many amazing works were completed during a quarantine.

William Shakespeare

Much of Shakespeare's life in England from 1564 through 1600 was shaped by the plague. In England if a plague hit the city and the death toll reached 30 people, the public playhouses were forced to close. This happened in 1606, and Shakespear went on to write King Lear, Macbeth, and Antony and Cleopatra!

Isaac Newton

A lot of Isaac's are showing up in this newsletter. How odd.

Anyway, Isaac Newton is the father of calculus and physics. He was able to determine the movement of comets, planets, and the stars, in the 1700s!!!!!

Calculus did not exist before him. He literally taught himself a subject of mathematics that did not exist.

He did this during a quarantine of England in 1665. Newton was in his early 20's and his classes at Cambridge University were canceled. Newton "sheltered in place" at his family estate and used that time.

It was at this estate that theory of gravity first entered his mind. Many of us were taught in school that Newton discovered gravity when an apple fell and hit his head. It would have occurred during this period of quarantine.

Learn from these examples:

Quarantine sucks, but the lack of noise and pressure to go out and do stuff is an opportunity to think, focus, and improve yourself.

Thanks to James Clear's graph, I showed you what the long term difference looks like between two people making slightly different decisions. The gap becomes HUGE.

Health tip of the week: Vitamin D might prevent acute respiratory tract infections

I am going to keep this section shorter and sweeter.

Vitamin D is no longer considered a vitamin (or vital mineral) in the scientific community. It is considered a human steroid hormone that our bodies naturally produce.

Most of us do not get enough "Vitamin" D during normal times, and I guarantee we are not getting enough during quarantine times.

There is some clinical studies that have shown that supplementing this steroid hormone can cut the risk of respiratory infection by up to 50% in people that were vitamin D deficient and cut the risk by 10% in people with normal vitamin D levels.

Dr Rhonda Patrick's post brought this to my attention a week ago - you can find that IG post here

Here is a link to the study she is referencing - Link to study here

Wealth tip of the week: The last 50 years vs the next 50 years

50-years-ago was a very different place.

Richard Nixon was the president and every US dollar was backed by gold.

The internet was still decades away from existing, and major tech companies such as Apple and Microsoft were still several years away from being founded.

The "modern investment theory" of today relies heavily on index funds, which were first created by Jack Bogle in 1975. For the last 50-years index funds have been the best performing asset class. By far.

But what was the best performing asset class of the last 10-years?

Was it Index Funds? Nope.

Real Estate? Nope.

Tesla? Nooooope.

Gold? Hell no.

It was Bitcoin. Founded in 2009 in response to the Fed printing trillions of dollars to bail out the banks.

The idea was simple - use the power of the internet to create a decentralized system of private, secure transactions, with hard coded scarcity, that no government could shut down.

The cost of Bitcoin ten years ago was $0.003.

The cost of Bitcoin right this second is $6581.38

Every year the economic elite of the world meet in Davos, Switzerland to discuss the economic trends, global economic policy, and other things that unfathomably rich people talk about.

One of the primary talking points was a four letter acronym - CBDC or Central Bank Digital Currency.

The Central Banks and Governments of the world are seriously considering creating their own, centrally controlled versions of Cryptocurrency. They are doing this for a multitude of reasons, one of which being to combat the public decentralized cryptocurrencies like Bitcoin and Ethereum.

It may sound like I am pushing Cryptocurrency hard right now, but I mainly want to get you thinking.

The next 50 years cannot be predicted by the last 50, so the time is slowly running out for you to be listening to your grandparents investing advice.

It is no secret that I am a strong believer in the future of cryptocurrency, and I am almost certainly going to be creating a beginner's course on crypto to help the readers of this newsletter get a potential head start on what the next 50 years of money will be.

I created a short survey to collect some basic feedback and gauge interest in such a course. If you are interested please take the survey.

Wise Owl Book Giveaway

I've decided to do a book giveaway!

I will be giving away all of the books I have brought up during this newsletter.

I will personally buy 8-winners the book of their choice from the list below.

The giveaway link will be sent out separately later this week to the Wise Owl Wednesday subscribers.

Books I've recommended thus far:

• Atomic Habits by James Clear
• Keep Going by Austin Kleon
• Discipline Equals Freedom by Jocko Willink
• Stillness is the Key by Ryan Holiday
• Letters from a Stoic by Seneca
• Show Your Work by Austin Kleon
• The 12 Week Year by Brian P. Moran
• Start Finishing by Charlie Gilkey

A Few Newsletter Ideas I am Pondering

I am always thinking about ways to make this newsletter more valuable to all of you. I want it to be, at the very least, the one email you look forward to opening each week.

• A giveaway of all the books I have recommended here on Wise Owl Wednesday at the end of March
• A section on Cryptocurrency called the "Crypto Corner"
• A video or Audio component of Wise Owl Wednesdays for those of you who want to listen to what the newsletter says or here my riff on various sections.
• A more personal look into my journey and what I am experimenting with right now including an open look into my habits, struggles, finances, etc.

What do you think about these ideas? Respond to this email and let me know.

Share The Love, and Help Me Help You!

What did you think about the newsletter?

If you know anyone that could benefit from reading this, please forward it to them.

Also, if you have ideas or thoughts in the following areas, please let me know!

• Books I should review
• Topics you would love to read about
• YouTube videos you'd love to watch

Let me know by replying to this email!

I read all of my emails.

You can also read past issues here!

Click here to subscribe

_____________________________________

Quote of the week:

There is more to life than increasing its speed - Mahatma Gandhi

Well isn't that super relatable?

My fiance tells me at least three times a week to "stop rushing."

She's right, I try to cram too many things into a day and end up not enjoying anything.

Most of the world is quarantined now, so this is a great opportunity to slow down, think about what we are doing with our lives, and try to actually enjoy living!

A few weeks ago my book of the week was "Stillness is the Key" by Ryan Holiday because the world we live in is filled with the noise and the constant go go go of progress.

I love progress, but not at the expense of our health and well-being. A balance exists in life that we need to find. It's different for everyone, but this quote is so great because it applies broadly to all situations.

There is more to life than increasing its speed.

Current Reads - Keep Going by Austin Kleon

I've featured Austin's books before.

This addition was published almost one-year ago and drew my attention over the last few days as I have sat in my office working.

Sometimes I worry that the content that I create is not good enough, which might be true, but the thought does nothing but drain my energy.

This thought is commonly known as impostor syndrome, and many people who create or find themselves in a position they are uncomfortable in find themselves experiencing this.

This book will help you slow down so you can always keep going, in good times and bad.

Why this book is awesome:

I always love the visuals and quotes sprinkled throughout the pages of wisdom in these books. They are formatted so well. The constant shift in contrast from words on the page to engaging visuals keeps my ADHD brain locked in.

Plus, the chapter titles alone are amazing:

1. Everyday is groundhog day
2. Build a bliss station
3. Forget the noun, do the verb
4. Make gifts
5. The ordinary + extra attention = the extraordinary
6. Slay the art monsters
7. You are allowed to change your mind
8. When in doubt, tidy up
9. Demons hate fresh air
10. Plant your garden

Links to get this book:

• Kindle
• Hardback

** The links above are affiliate links. If you purchase the books with the links above, I receive a super tiny commission, which helps support this newsletter. Thank you! **

Tips or Tools of the week: Wisdom, Health or Wealth

Each week I share either three tips or three tools that will help you become wiser, healthier, and wealthier.

Wisdom tip of the week: Acquire knowledge and improve

You are at home now for the foreseeable future. For some of you this means dealing with wild kids all day long while you struggle to work. For others it means trying to fill the time so you don't die from boredom.

Either way, there is a lot of opportunity to improve yourself and your knowledge through learning.

Read a few books, watch a documentary, get caught up on podcasts, or take an online course in an area you are interested in.

If you want to level up your skills and learn new tools the folks over at Digital Marketer just made their entire portfolio of courses FREE for at least the rest of March.

You can now take courses that normally cost thousands of dollars each for free in the following areas:

• Copywriting
• Content Marketing
• Paid Traffic
• E-commerce Marketing
• Conversion Funnels
• Optimization & Testing
• Social & Community
• Search Marketing
• Email Marketing
• Community Management
• Analytics and Data

All of these skills are doable from home remotely. You could conceivably learn a skill during this quarantine that allows you to switch careers! I know a few of my readers are hurting right now because their work is in the service industry, and they aren't able to make money.

This is a chance to change that. If you want access to super expensive and valuable courses on marketing, click right here.

Health tip of the week: Wake up early

When a lot of people work from home, they tend to over communicate with each other digitally.

The opportunities for quiet become less and less, especially if you have kids to look after during the day.

How do I combat this? I wake up hours before everyone else so I can have some damn peace and quiet.

A lot of people stay up late, so I've found that I still get distracted by incoming messages and other distractions.

Few people wake up really early, and those that do are like me, they want to be left alone during their precious time of solitude.

I always feel like I have better days when I successfully wake up early and get that time to myself.

Don't let a long term work from home situation lull you into sleeping in. That will lead to you waking up everyday in a panic! Not healthy at all.

Just give it a try. Tomorrow try to wake up at least 15 minutes earlier than usual so you can have that time for yourself. Then the day after tomorrow, wake up another 15 minutes earlier. Build on that until you have the free time you deserve.

Wealth tip of the week: Dollar-cost average

The stock market, crypto market, etc have been all over the place the last few weeks.

Will they continue to go down? How about up?

No one knows. It's impossible to know. You get around this by doing something called "dollar cost averaging."

This just means that you put the same amount of money in at the same time interval.

For example - you invest $25 each week. Or you just invest the entire $100 at the beginning of each month.

This allows you to take emotions and timing out of investing, and focus on other things. Dollar cost averaging will allow you to catch the market when it is down, and when it is up.

Are you interested in a beginner's course on cryptocurrency? Please take this 2-minute survey and let me know.

New or Relevant Articles

Every week I publish new articles on Medium.

Not every article I write will pertain to wisdom, health, and wealth, but most will!

New or relevant articles I publish will be included here.

• 10 Ideas For Creating New Income Streams
• How To Use stoicism To Overcome Anything

A Few Newsletter Ideas I am Pondering

I am always thinking about ways to make this newsletter more valuable to all of you. I want it to be, at the very least, the one email you look forward to opening each week.

• A giveaway of all the books I have recommended here on Wise Owl Wednesday at the end of March
• A section on Cryptocurrency called the "Crypto Corner"
• A video or Audio component of Wise Owl Wednesdays for those of you who want to listen to what the newsletter says or here my riff on various sections.
• A more personal look into my journey and what I am experimenting with right now including an open look into my habits, struggles, finances, etc.

What do you think about these ideas? Respond to this email and let me know.

Share The Love, and Help Me Help You!

What did you think about the newsletter?

If you know anyone that could benefit from reading this, please forward it to them.

Also, if you have ideas or thoughts in the following areas, please let me know!

• Books I should review
• Topics you would love to read about
• YouTube videos you'd love to watch

Let me know by replying to this email!

I read all of my emails.

You can also read past issues here!

Click here to subscribe

_____________________________________

Quote of the week:

I'm sensing a theme here.

What is the point of building wealth if you don't live long enough to enjoy it?

Before launching Wise Healthy Wealthy I thought about launching a newsletter based solely around personal finance.

I love personal finance, but a few years ago I finally realized that there is no point to money if you can't make use of it for a long time!

So the theme of the week is going to be around preserving and optimizing your health, because "you can't enjoy your wealth if you aren't in good health."

Current Reads - Discipline Equals Freedom by Jocko Willink

This week's issue is all about being smart with your physical and financial health.

Let's be honest, most of you already know the best ways to stay healthy.

• Get enough sleep
• Eat quality food
• Exercise

And yet, we all suck at staying disciplined.

When I struggle to stay consistent with anything, I watch this video and then start rereading this book.

Discipline equals freedom.

Why this book is awesome:

There are many reasons why this book is awesome, so I will list them:

1. The author is a former Navy Seal Commander. He was the platoon commander of American Sniper Chris Kyle.
2. The first section of the book is all about the philosophy and thoughts of the author around how discipline brings about freedom. It is motivational as hell and is a place I return to on occasion for a mental kick in the ass
3. It is a relatively short book, formatted to be easy to read
4. The second section of the book walks through specific actions you can take around food, fasting, exercise, sleep, etc.

Links to get this book:

• Kindle
• Hardback

** The links above are affiliate links. If you purchase the books with the links above, I receive a super tiny commission, which helps support this newsletter. Thank you! **

Tips or Tools of the week: Wisdom, Health or Wealth

Each week I share either three tips or three tools that will help you become wiser, healthier, and wealthier.

Wisdom tip of the week: Choose your News Outlets wisely

I tend to avoid cable news channels. All of them.

Why? I avoid them because they are incentivized to scare people into continuing to watch them.

Cable news is now so used to a 24 hour news cycle that it makes shit up sometimes just to scare us into continuing to watch.

Two COVID-19 resources I have found helpful:

• This Joe Rogan Podcast with Michael Osterholm - an internationally recognized expert in infectious disease epidemiology. This podcast episode is extremely informative and will give you the facts, as they are known now, and dispel a bunch of rumors pertaining to the virus.
• This dashboard provided by Johns Hopkins University - it's a weird thing to look at. Refresh this every few days and notice how crazy fast the virus is spreading.

Remember, the experts believe, at this point that most of us will get this virus and barely notice it. Avoiding it will eventually become difficult.

It is still important for everyone to follow the guidelines in place right now to slow the spread, if only to give the Healthcare infrastructure time to catch up.

P.s. - wearing a mask is basically pointless. Instead follow basic healthy practices outlined in the next section.

Health tip of the week: Boost your immune system

According to a lot of people much smarter than me, the likelihood that everyone reading this stupid virus is somewhere in the ballpark of 60-80%. Most of us won't experience much more than a sore throat, but that is no reason not to do what we can to strengthen our bodies in the meantime.

If most of this is common sense, you're right! It is common sense, but I struggle every week to maintain a truly healthy lifestyle, which is why I am rereading our book of the week.

• Sleep, sleep, sleep! Sleep is the number 1 determinant of health. Focus on both quantity and quality of sleep.
• Eat real food at a caloric deficit - Our bodies are stronger when we don't overeat. In fact, your body is strongest when you have been fasting. I am not telling you to fast (this week at least), I am just saying to be mindful of what you eat and how much you eat.
• Exercise even if it sucks - Exercise is good for you. The stronger and healthier your body is, the better it will be at fighting off illness. Period. It is literally never too late to start exercising. Like I mentioned last week, go for a walk at the very least.

If you want to use supplements:

• Supplement Vitamin D and Vitamin C - Many Americans are deficient in Vitamin D, and Vitamin C is a well known immune booster.
• Consume some Fungi - Mushrooms are the most overlooked supplement or food group ever. And yet, what organisms do we rely on to break down and eat the decay and rot of the world? Mushrooms! Nothing is more anti-viral in nature than mushrooms. I've been taking this mushroom blend for around a year and a half and while it does not keep my from getting sick, it seems to dramatically reduce the time it takes for my body to respond and heal. It has research backing it as well.

Wealth tip of the week: You cannot time the stock market

I want to say this loud and clear - You cannot time the stock market. If someone tells you they can, they are a liar.

What you can do is stay consistent, continue to invest on a regular schedule, use index funds, and make sure your dividends are being reinvested.

Most your portfolio's growth and compounding that will occur over time is not from the growth of the stock market as a whole, but is from reinvesting the dividends paid to you.

So if you want to minimize your risk while still investing smart, do the following:

• Invest in index funds
• Invest what you can on a consistent basis (ex. twice a month on pay day)
• Leave your money in the markets if it is a long-term investment
• Make sure your dividends are being reinvested

That is it.

The Coronavirus is going to continue to screw up the economy for the rest of 2020. The stock market is going to provide a lot of opportunities to invest at lower prices. In a year or so when most of us are naturally immune to the virus (because we have had it and recovered) the markets will return, and you will profit.

If you are looking for the right index funds to invest in, I recommend starting with either Betterment or Wealthfront. These two companies make investing in a diversified portfolio of index funds extremely easy. I personally use Betterment.

New Articles

Every week I publish new articles on Medium.

Not every article I write will pertain to wisdom, health, and wealth, but most will!

New or relevant articles I publish will be included here.

• Control Your Environment or Your Environment Will Control You
• What Is True Friendship?

A Few Newsletter Ideas I am Pondering

I am always thinking about ways to make this newsletter more valuable to all of you. I want it to be, at the very least, the one email you look forward to opening each week.

• A giveaway of all the books I have recommended here on Wise Owl Wednesday at the end of March
• A section on Cryptocurrency called the "Crypto Corner"
• A video or Audio component of Wise Owl Wednesdays for those of you who want to listen to what the newsletter says or here my riff on various sections.
• A more personal look into my journey and what I am experimenting with right now including an open look into my habits, struggles, finances, etc.

What do you think about these ideas? Respond to this email and let me know.

Share The Love, and Help Me Help You!

What did you think about the newsletter?

If you know anyone that could benefit from reading this, please forward it to them.

Also, if you have ideas or thoughts in the following areas, please let me know!

• Books I should review
• Topics you would love to read about
• YouTube videos you'd love to watch

Let me know by replying to this email!

I read all of my emails.

You can also read past issues here!

Click here to subscribe

_____________________________________

Quote of the week:

How easy is it to let outside forces poison the calmness of our thoughts?

Why do we let that shit happen?

This, like many stoic quotes is so important to reread and remember.

You are sovereign over your mind. No outside events can decide how you think.

If your boss is rude. Not your problem.

You lose your job? Not the end of the world. (especially if you have read my articles on wealth building in last weeks issue :P)

You are alive. You are privileged enough to have a device powerful enough to receive this email. You are the shit, and you have a beautiful mind.

Treat it well. Don't let outside events alter the way you think. None of that shit matters in the long run.

That quote led me to the current read this week.

Current Reads - Stillness Is The Key by Ryan Holiday

Ryan Holiday is one of my favorite writers.

He lives in my city, quit his lucrative 9-5 job in his early 20's and said "f*ck it" and started writing books.

In many ways he is my spirit animal.

His book "The Obstacle Is The Way" introduced me to stoicism and helped me keep my brain together when my fiance was in a coma two years ago, and has helped ground me through her recovery.

His newest book is a continuation of that series on stoicism and is called "Stillness is the Key."

Why this book is awesome:

I was not intending to read this book for a couple of weeks, but lately my life has been extra chaotic. I'm a big believe in reading books that solve problems you are dealing with right now, so when this book kept winking at me from my bookshelf, I couldn't help myself.

It was just the medicine I needed.

You should read this book if:

• You hate distractions
• You want to learn to think better
• You're tired of feeling out of control or angry
• You want to know what Tiger Woods and Michael Jordan did wrong
• You want more clarity
• You just want to be a better you

I won't get too personal, but like I said, I picked this up in a time of need, and it came through in a big way.

Links to get this book:

• Kindle
• Paperback
• Audio

** The links above are affiliate links. If you purchase the books with the links above, I receive a super tiny commission, which helps support this newsletter. Thank you! **

Tips or Tools of the week: Wisdom, Health or Wealth

Each week I share either three tips or three tools that will help you become wiser, healthier, and wealthier.

Wisdom tip of the week: Teach the topic you want to learn

"The person who learns the most in any classroom is the teacher."

The best way to truly learn something is to teach it, do it, or build it. If you want to ingrain into your mind how to do something, talk about it with other people.

Think if this like going to practice for a sport. If you want to be great at basketball, you have to practice shooting a basketball. The same thing applies to knowledge. If you want to deeply understand why cryptocurrency is 1000% going to survive and thrive, you need to talk to others about crypto.

Let yourself be challenged. Let others poke holes in your logic so you can go back, learn more, and fill those holes.

The word "teach" can be stretched pretty thin as well. Teaching can mean writing an article on a topic, or building a product around an idea. Learn, create, do.

Health tip of the week: Go for a walk

First of all, yes walking is healthy.

Most of us don't move enough as it is, so we need as much movement as we can get.

Some of you workout multiple times a day, and to you I say, go for a walk to cool off!

But second of all, walking is really good for thinking.

I almost made it my wisdom tip of the week.

When I have trouble working through a problem, I go for a walk.

When I get annoyed and need fresh air, I go for a walk.

When I need to close my damn exercise ring on my Apple Watch, I go for a walk.

Usually I can work through whatever issue I'm dealing with and come up with a solution.

Sometime's I don't figure it out, but I always feel a lot better after the walk.

Bonus! Health tip of the week #2: Avoid the Coronavirus

Normally I don't let epidemic scares get me riled up, but I know a lot of nurses and doctors, and they seem pretty serious about this one.

So, in honor of overwhelming you with common sense, please remember these helpful tips for avoiding the plague:

• Embrace antisocial behavior with people that are sick. Avoid them.
• Wash your hands for at least 20 seconds like your mother taught you.
• Stop touching your face. Weirdo.
• Stay home when you're sick. Don't be "that guy."
• If you start to feel incredibly awful, don't be a tough guy and hide from medical professionals. Go to an urgent care and get some help.

Wealth tip of the week: Let Financial Freedom be enough

I don't know of any millionaires that read this newsletter, but if I am wrong, and you all exist, hey!

This applies to you too.

Financial Freedom is the point where the money you have, whether it be in assets or other investments, is earning more for you each month than your total expenses.

This is the point in which you no longer need to work to pay your bills.

At this stage you have officially acquired "F*ck You Money."

My wealth advice this week is to let that be enough. Now do shit you love doing.

Write a book, or learn to make art.

Maybe join a Dungeons and Dragons campaign like you've always wanted.

Don't let net worth dictate your self-worth.

Money is a tool to achieve a means.

You now have enough money, so don't let it stay a focus.

New Articles

Every week I publish new articles on Medium.

Not every article I write will pertain to wisdom, health, and wealth, but most will!

New or relevant articles I publish will be included here.

• How Not To Be A Coward
• What Is True Friendship?

A Few Newsletter Ideas I am Pondering

I am always thinking about ways to make this newsletter more valuable to all of you. I want it to be, at the very least, the one email you look forward to opening each week.

• A giveaway of all the books I have recommended here on Wise Owl Wednesday at the end of March
• A section on Cryptocurrency called the "Crypto Corner"
• A video or Audio component of Wise Owl Wednesdays for those of you who want to listen to what the newsletter says or here my riff on various sections.
• A more personal look into my journey and what I am experimenting with right now including an open look into my habits, struggles, finances, etc.

What do you think about these ideas? Respond to this email and let me know.

Share The Love, and Help Me Help You!

What did you think about the newsletter?

If you know anyone that could benefit from reading this, please forward it to them.

Also, if you have ideas or thoughts in the following areas, please let me know!

• Books I should review
• Topics you would love to read about
• YouTube videos you'd love to watch

Let me know by replying to this email!

I read all of my emails.

You can also read past issues here!

Click here to subscribe

_____________________________________

Quote of the week: Be Useful - Scott Adams

Not all quotes have to be long.

This past week has been harder than others, and it's also a week in which I've been harder on myself than normal.

Weeks like this past one sometimes cause me to second guess what I am doing. Do you ever feel that way? Where all of a sudden that fire and motivation are a little less, and your doubt is able to sneak in?

Fuck that. When impostor syndrome or doubt rears its ugly head I go back to basic principles.

What is more basic and true than "Be Useful"?

It's so true. When you doubt yourself or what you are doing just ask if what you are doing is useful to someone. If yes, carry on. If no, why are you doing it?

How can you be more useful this week?

Current Reads: The Pursuit of Productivity by Stephen Wolfram

This is the first article I am sharing (other than my own) for this section. I've started two books recently but neither of them are finished and I have not read deep enough into them to form a strong enough opinion one way or another.

This article is all about Stephen Wolfram's pursuit of personal productivity. Wolfram is a renowned computer scientist, mathematician, and theoretical physicist.

Not all of the best content is in books, and I find it valuable to learn how different types of people view productivity. This is a long but great read on how one man's pursuit of productivity across decades .

You can find the article in all of its glory here.

Tips or Tools of the week: Wisdom, Health or Wealth

This week I am going to switch things up and share a tool I use for each of these categories. Sharing tools was one of the promises I'd made when announcing this newsletter, and thus far I haven't yet shared tools.

So this week I will share three.

Wisdom tool of the week: Overcast

What it is - A superior podcast player

Why I use it - It has a bundle of features that allow me to speed up the playback speed of a podcast without making things sound too weird. For example it can auto-magically cut out awkward pauses and dead space, reducing the overall time of a podcast while not just speeding up the speed people are talking.

What I wish it had - An android version. Sorry tech rebels, this tool is an overlay and enhancement of Apple's Podcast tool, and so there doesn't seem to be an Android version right now. I know I know, I suck. It's still amazing for the iPhone conformists among us :P.

Health tool of the week: Any Meditation App at all

Here are my two favorites:

• Headpsace
• Ten Percent

What they are - Apps that remind you to meditate, guide you through meditation, and track your progress so you can brag to your friends

Why I use it - My brain gets toxic over time if I don't force it to relax. Meditation allows me to clean my brain without taking any drugs or chemicals. You take showers all the time (I hope), but do you clean and maintain your mind? They are both equally important.

I also like how you can choose the length of a meditation. Sometimes my excuse making ass only has a few minutes to meditate while other times I have half an hour.

What I wish it had - More free meditations. Headspace has ten free guided meditations you can listen to over and over.

Wealth tool of the week: The Cash App

What it is - So many things.

• Peer to peer sending and receiving of money
• A debit card for spending - which has boosts that save more money than credit card rewards programs
• Direct Deposit (seriously)
• Bitcoin buying, selling, and sending
• Stock buying for as little as $1 - which means you can buy fractions of a stock

Why I use it - Because it can do everything. I use it to buy coffee because I get $1 off every coffee purchase. It is better than venmo by far, because I can actually do something with the money I receive other than just sending it to my bank account.

The CashApp parent company Square is constantly innovating and improving their product. I don't see that from competitors.

The CashApp brings banking and investing to those that don't already have bank accounts. This is so huge. The fact that you can direct deposit your work checks is something that blew my mind.

What I wish it had - A way to deposit cash. This kind of sucks for people who are paid primarily in cash. For an app that prides itself as a way to bring banking to the bankless, the inability to deposit cash makes it harder for people who work in industries that primarily pay in cash.

A high interest savings account component. It has everything else, but if it had a high interest savings account I might be able to leave my brick and mortar bank. Fingers crossed for one day.

New/Relevant Articles

Every week I publish new articles on Medium.

Not every article I write will pertain to wisdom, health, and wealth, but most will!

New or relevant articles I publish will be included here.

The articles I am sharing this week are not new, but they are by far the most popular articles I've written on Medium. They are a series of articles that walk through all the ways someone can build wealth.

• How To Use Money As A Tool To Build Lasting Wealth
• How Cutting Specific Expenses Can Lead to Massive Wealth
• How To Build Multiple Streams Of Income By Using This System (Most popular)
• How To Destroy Debt and Win Back Your Financial Freedom
• How to Invest Your Money to Gain Financial Freedom

I plan on writing a series of articles on how to build wisdom as well as how to improve your health across the board, too.

A Few Newsletter Ideas I am Pondering

I am always thinking about ways to make this newsletter more valuable to all of you. I want it to be, at the very least, the one email you look forward to opening each week.

• A giveaway of all the books I have recommended here on Wise Owl Wednesday at the end of March
• A section on Cryptocurrency called the "Crypto Corner"
• A video or Audio component of Wise Owl Wednesdays for those of you who want to listen to what the newsletter says or here my riff on various sections.
• A more personal look into my journey and what I am experimenting with right now including an open look into my habits, struggles, finances, etc.

What do you think about these ideas?

Share The Love, and Help Me Help You!

What do you think about the newsletter?

If you know anyone that could benefit from reading this, please forward it to them.

Also, if you have ideas or thoughts in the following areas, please let me know!

• Books I should review
• Topics you would love to read about
• YouTube videos you'd love to watch

Let me know by replying to this email!

I read all of my emails.

You can also read past issues here!

Click here to subscribe

_____________________________________

Quote of the week:

This week I'm on a bit of a stoicism kick. When my life gets stressful I fall back on stoicism to handle the extra load to avoid getting overwhelmed.

This quote from Seneca is a big one for me because I always build shit up in my head and make it far worse than it is in reality.

Here's a silly but legit example of how I would do this to myself. Two cats live in my house, and so I have three litter boxes. I hate emptying these litter boxes. Why do I hate it? No idea, but because I build up this resentment towards doing this one task in my head, I put it off.

Friends - if there is one task you do not want to put off, it's cleaning the litter boxes. So what did I do about this? I tried to take all the emotional baggage away from the task by timing it to see just how long it takes for me to clean all three litter boxes.

How long does it take?

If done daily - 2 minutes

If done weekly - 20 minutes

ONLY 2 MINUTES! After learning that, I don't have an excuse anymore. Especially now I know waiting ends up costing me more time overall.

The moral of the story is not to let yourself suffer more in your mind than in reality.

Life is hard enough as it is.

Seneca was a smart guy, and embodied what it meant to be wise, healthy, and wealthy several thousand years ago. Which is why this week I have been re-reading his famous letters.

Current Reads - Letters From A Stoic

Why this book is awesome:

Tim Ferriss has called stoicism the "the ideal operating system for anyone who wants to operate in high-stress environments."

That is my life. I am now self-aware enough to know that some part of me wants and sometimes enjoys operating in a high-stress environment. I work a 9-5 job full-time, am a full-time caregiver, and still choose start side projects all the time, as well as write articles and this newsletter every week.

This book is one of several that give my mind the scaffolding to handle the intense pressures of life and not let it drag me down.

Links to get this book:

• Kindle
• Paperback
• Audio

** The links above are affiliate links. If you purchase the books with the links above, I receive a super tiny commission, which helps support this newsletter. Thank you! **

Tips or Tools of the week: Wisdom, Health or Wealth

This week I am going to switch things up and share a tool I use for each of these categories. Sharing tools was one of the promises I'd made when announcing this newsletter, and thus far I haven't yet shared tools.

So this week I will share three.

Wisdom tool of the week: Notion

What it is - Notion is my everything tool. It's an all-in-one work space.

Why I use it - It is my one tool to rule them all. It has replaced Evernote, Asana, and Google Docs.

I use it to:

• Track all tasks in my life across all projects
• Organize my yearly and quarterly goals and projects
• Take notes and keep meeting minutes at work
• Create a backlog for future articles
• Track my habits
• Write my fantasy fiction novel

What I wish it had - Speech to text. I wish the desktop version had a way to do speech to text for longer form writing. That is the one feature that google docs has that Notion does not have on desktop. Oh well, the pros outweigh the cons.

One note about Notion though - Notion requires a bit of a learning curve to get the most out of it. I plan on making YouTube videos in the future of how I use Notion, and the resources I have gathered that make using Notion much easier.

Notion is free at first and with this link you will get $10 in credit should you ever decide to upgrade (if you switch over to Notion, you will 100% upgrade).

Health tool of the week: Simple

What it is - A super clean intermittent fasting app that gamifies fasting and makes it easier to do. It can handle all kinds of fasting lengths from 12 hours to several days, but the core of it is built around intermittent fasting.

Why I use it - The design is clean, and you can customize the hours you want to fast. The app also lets you know when your body goes into Ketosis, fat burning, and the autophagy stage (cell cleansing/regeneration). These are helpful for me because if I want to push my fast longer into the fat burning stage I can see how much longer I need to go without eating.

It also syncs with Apple Health so all of my other fitness trackers can provide it with data.

What I wish it had - A stronger push on community. To be honest I haven't played with the community aspects of it much. Let me know if you join and we can test that out ourselves!

Wealth tool of the week: Clarity Money

What it is - A dashboard of all of your finances

Why I use it - I like the layout a lot more than Mint, and the AI powered insights are nice to see. Plus, it has a feature to cancel paid subscriptions like Netflix or Spotify. This is really helpful for me because I sometimes stop using various apps I've paid for and forget to cancel them.

What I wish it had - Cryptocurrency tracking. Part of my financial portfolio is in cryptocurrency and in the first issue of Wise Owl Wednesdays I spoke to the importance of learning about crypto. Clarity Money doesn't track that yet, so I must use a different tool for that.

New Articles

Every week I publish new articles on Medium.

Not every article I write will pertain to wisdom, health, and wealth, but most will!

New or relevant articles I publish will be included here.

• The Truth About Being An Adult I Wish I'd Been Told

Share The Love, and Help Me Help You!

What did you think about the newsletter?

If you know anyone that could benefit from reading this, please forward it to them.

Also, if you have ideas or thoughts in the following areas, please let me know!

• Books I should review
• Topics you would love to read about
• YouTube videos you'd love to watch

Let me know by replying to this email!

I read all of my emails.

You can also read past issues here!

Click here to subscribe

__________________________________________

Quote of the week:

This weeks quote is all about taking ownership of your circumstances.

If all you do is sit around and complain about what is happening to you, you become a spectator of your own life. Your life and your problems are no one else's responsibility. They are yours and yours alone.

This is one of the hardest pills to swallow, but if you can set your ego aside and embrace the desire to be better, your life can dramatically shift.

You've already started doing that just by subscribing to this weekly newsletter, but you can't stop with that. What problems have you been putting off in your life?

What are you complaining about that you should be taking action on? Maybe your current awful job? Maybe a starving relationship?

Do something about it!

Current Reads - Show Your Work by Austin Kleon

As a writer, creator, and general human being, I seek out creative inspiration sometimes.

It is not always comfortable to sit down at my desk and write articles or this newsletter. When I start to feel like writing is a chore, I pull out this book and its prequel "Steal Like an Artist."

Why this book is awesome:

Well, first off, it has pictures! A lot of super helpful drawings by the Author himself.

Also, sometimes you don't want to read a 300-page book full of dense text. Sometimes I want a lighter read that cuts out all the excess and gets right down to the important information.

That's what this book is for me. I've also noticed that a lot of you are creatives yourselves. This book will 1,000,000% help motivate you to do awesome work.

Plus, it's just a fun book. Fun books are important, too, and deserve your love...on Valentine's week :P.

Links to get this book:

• Kindle
• Hard copy (Strongly recommend)

** The links above are affiliate links. If you purchase the books with the links above, I receive a super tiny commission, which helps support this newsletter. Thank you! **

Tips of the week: Wisdom, Health or Wealth

This is a section I want to include each week, but I am not sure if I will.

Let me know if you like this section by replying to this email with your feedback.

Wisdom tip of the week: Read great books multiple times

Books are cool in that they can teach you new things every time you read them.

Humans accumulate knowledge and experience over-time and use that information to create connections in our brains.

If you read a book when you are 18-years-old, and again at 28-years-old, you are going to have two completely different experiences. Hell, with a decade of additional life experience, you might find you are reading an entirely different book!

I mentioned in the first issue of Wise Owl Wednesday I talked about reading the book Start Finishing two times in a row. In the first read through my mind attempted to grasp the larger concepts of the framework, while on the second read through, my mind began to soak in the finer details.

Health tip of the week: Ignore the negativity of others

I bet you've never heard this before, but you can choose to ignore the toxicity of other people.

We all live unique lives. You are not obligated to follow anyone else's path.

Like my wealth tip below- just because other people go out to eat on Valentine's Day doesn't mean it's the smart thing to do.

People judge what they don't understand, and every person on Earth is ignorant in some ways.

One thing I've noticed as I've gotten older, is that the concept of an Adult is kind of a lie. When we were kids we thought the "adults" knew everything. Now that I'm almost 30 I've realized that they didn't know shit, and were just fumbling their way through life doing the best they could.

So, while it may be hard to do, ignore the negativity of others, because they don't know any better than you do.

Wealth tip of the week: Avoid Overspending on Valentine's Day

I tried to avoid making this week's newsletter all about Valentine's Day. I purposefully chose not to use a quote about relationships, but I cannot hold my tongue while so many people overspend on this holiday.

Every year on February 14th, millions of Americans go out to eat with their significant others and drastically overspend.

Restaurants know that couples feel restrained to go on a date on this holiday, so they spike their prices in hopes of turning a huge profit.

You and your significant other are better than that.

Go on a date literally any other day of that week, and you will save money.

This tip goes beyond just Valentine's day.

There are a lot of opportunities to reduce needless spending by paying attention to when restaurants and stores spike their prices.

New Articles

Every week I publish new articles on Medium.

Not every article I write will pertain to wisdom, health, and wealth, but most will!

New or relevant articles I publish will be included here.

• How to Build Principles by Solving Problems
• How Much Money is F*ck You Money?

Share The Love, and Help Me Help You!

What did you think about the newsletter?

If you know anyone that could benefit from reading this, please forward it to them.

Also, if you have ideas or thoughts in the following areas, please let me know!

• Books I should review
• Topics you would love to read about
• YouTube videos you'd love to watch

Let me know by replying to this email!

I read all of my emails.

You can also read past issues here!

Click here to subscribe

__________________________________________

Good morning, good day, and good evening!

It's Wednesday and you've already made it halfway through the week.

So now it's time for your weekly dose of Wise Owl Wednesdays.

Each week I share the following:

• My quote of the week
• What I am currently reading
• Tips to make you wise, healthy, and wealthy
• Any new or relevant Wise Healthy Wealthy articles I think you might enjoy

Quote of the week

Every week I try to think about various quotes that stir something in me.

This weeks quote resonates with an article I wrote this week (linked below).

Intelligence does not correlate with wealth.

Consistent action over a long period of time correlates with wealth.

Before you can accomplish anything you have to accomplish the hardest task of all-- getting started.

Knowledge is only potential power.

Without action, the knowledge does nothing for you but sit there and make you obnoxious at parties.

Current Reads - The 12 Week Year by Brian P. Moran

Currently in my life I am obsessed with becoming more productive.

If I don't become more productive and create systems that make my life easier I will have zero chance of achieving my goals this year.

That's why this weeks book shout out goes to "The 12 Week Year" by Brian P. Moran.

Why this book is awesome:

First of all, I want to get a year's worth of work done in 12 weeks.

Yes please, forever and always.

This book was referenced a few times as a powerful tool for maximizing how much you can get done in a since quarter of a year. That is 3 months or, as the book title says, 12 weeks.

I've been transitioning my work spaces into a tool called Notion, which I will highlight in next week's article, and this book is inspiring, in part, how I structure my entire life in Notion.

This week's book, as well as last week's book Start Finishing have been ridiculously helpful in providing the road map and frameworks for restructuring the way I think and operate around productivity.

The consistency of Wise Owl Wednesdays will be due to how successfully I implement the 12 Week Year system.

Links to get this book:

• Kindle
• Hard copy
• Audible

** The links above are affiliate links. If you purchase the books with the links above I receive a super tiny commission, which helps support this newsletter. Thank you! **

Tips of the week: Wisdom, Health or Wealth

This is a section I want to include each week, but am not sure if I will.

Let me know if you like this section by replying to this email with your feedback.

Wisdom tip of the week: Let go of what you can't control

Last week's quote of the week was a stoic quote.

Stoic philosophy is a big part of my worldview, and letting go of what you can't control stands at the center of it.

In my experience a massive percentage of our daily stress or anxiety comes from things we have no direct control over. That stress and anxiety can cripple and keep us from truly owning what we can control.

Learning how to focus on just the parts of life you have control over can be blissfully empowering.

Start Finishing and The 12 Week Year are books that both offer strategies to really create clarity on what you want from life, and can give you an idea of the things you do control, and what you should focus on.

A couple things you can't control:

• The stock market
• The health and decisions of loved ones
• If someone else wants to date you

What you can control

• Your own personal financial situation
• How often you show up, or don't, for friends and family
• Your own self-improvement and personal development

Health tip of the week: Intermittent Fasting

You will never see me talk about diet advice or nutrition advice.

Like snowflakes, each of our bodies are really different, so talking about food or nutrition is a lost cause.

Fasting, however, is something completely different.

There is so much research across so many different areas of health that discuss the massive benefits of fasting.

Humans have known the benefits of fasting for many, many thousands of years.

It is even baked into many major religions.

One thing most Centennials (people who live to 100) have in common?

They do not overeat.

I am going to stop here, less I turn this section into its own article, but suffice to say, fasting is extremely healthy for your body.

Helpful tool - Simple

I've use a ton of fasting trackers and Simple is my favorite.

Wealth tip of the week: The Gap of Opportunity

The gap of opportunity (or GoO haha) is the positive difference between how much you make each month and how much you spend.

Earn $3,000/mo and spend $2800?

Your gap of opportunity is $200.

Earn $2,500/mo and spend $2000?

Your GoO is $500!

The larger you can make this gap of opportunity the more money you will have to pay off debt, save, and invest.

Wealth starts with creating a gap of opportunity.

You increase this gap by spending less and earning more.

Even if your income is less than you think it is, you can still have a larger Gap of Opportunity than people earning 10x what you do.

You can't control how much money others make, but you can control what your Gap of Opportunity looks like.

New Articles

Every week I publish new articles on Medium.

Not every article I write will pertain to wisdom, health, and wealth, but most will!

New or relevant articles I publish will be included here.

• How Much Money is F*ck You Money?

Help Me Help You!

What did you think about the newsletter?

If you have ideas or thoughts in the following areas, please let me know!

• Books I should review
• Topics you would love to read about
• YouTube videos you'd love to watch

Let me know by replying to this email!

I read all of my emails.

You can also read past issues here!