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Whenever anyone asks me for advice about investing, I always give the same response:
Invest in indexes. Contribute regularly, hold for the long term and rarely check.
Then I point them towards two bits of reading — JL Collins Stock Series and Warren Buffett’s $1 million bet. These do a great job of outlining the above approach, with some proof that it actually works.
Yeah, that’s the cold truth.
OK. Maybe Elon Musk is an outlier. Benjamin Franklin definitely is. But, it’s lottery ticket probability that you’ll do something that has an impact beyond even a few generations.
For 99.99% of us, it’s true — you’re gone in three generations and nobody cares.
[Read more…] about You’re gone in three generations and nobody cares
As we get older (and hopefully wiser), our thinking about the important things in life changes. We learn new things. We have amazing, good, bad and awful experiences. We try things that work and don’t work. We slowly build informed opinions and beliefs from all of this.
I’ve noticed that in the first 35 years of life, my thinking on certain things has changed a lot. As I’ve got closer to 40, things are starting to settle. I’ve had a few epiphany / mid life type movements. These have either solidified how I think about something, or significantly changed my thinking — probably for the rest of my life.
Get more done, spend more time on what really matters and be happier. It sounds too good to be true, but it isn’t.
Planning the week ahead could be the one, single biggest thing you can do to get more done — and be happier. It’s usually the difference between a bad, or an awesome week.
I made a tough decision towards the end of last year — I changed my work situation. What made it tough was, it was a good job, at a good company. It ticked most of the boxes.
I’ve been using Freedom for the last couple of weeks, with interesting results.
Freedom is an app that helps you control distractions by blocking the internet, apps and websites — or any combination of those. You can start a freedom session whenever you like, or schedule a session for the future. It supports recurring sessions too. You have complete control over how long you want sessions to be, and what distractions you want to block.
I’ve written about morning routines, quite frankly, more than anyone should. That’s because I believe waking up early is about the most life changing thing you can do.
I don’t think it’s a coincidence that most of the people I consider successful and happy, get up early and follow some type of morning routine. I challenge you to think about this too. Look at well known people, colleagues and friends. I bet you come to the same conclusion.
“But, I’m just not a morning person” you say. “I do my best work later in the day”.
I’m not buying it. For 99.9% of us, it’s much better to become a morning person.
Why? I think it boils down to these 3 things:
Jocko Willink, sums it up more succinctly than me:
“Discipline equals freedom, and that discipline begins every morning when my alarm goes off, well before the sun rises.” Jocko Willink.
And for proof, he posts one of these every day:
If you want it, GO GET IT. pic.twitter.com/aGLcRiVLV3
— Jocko Willink (@jockowillink) December 12, 2017
If you’re not waking up early, how do you start?
Simple and small.
Go to bed a little earlier. Get up a little bit earlier (i.e. 30 mins), and do one or two things. Meditate for 5 mins and take a short walk. Read or work on a personal project. Whatever is important to you. Keep it simple, easy and small for at least 30 days.
Once you get to 30 days, extend the time and perhaps add something else in. The biggest mistake you can make is to go from simple, easy and small — to complicated, hard and big. And I guarantee, you will make that mistake. Learn from it. Go back to simple, easy and small and then layer in a little bit more for the next 30 days.
It sounds unambitious, but it’s the best and fastest path to a longer, more impressive morning routine. By starting simple, easy and small — you establish the habit of getting up early and doing important things. And that’s the key to it all.
I just switched up my morning routine (part of what inspired this post). Here’s what it looks like:
I’ve only done it a couple of times, and it’s feeling really good. It’s a good mix of exercise, working on myself, working on a skill and setting myself up for an awesome day. I should also note, I go to bed before 10PM so I can get up that early.
If you’re not waking up early — try it. I’m confident you won’t go back.
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Recently I read ‘In Defense of Food: An Eater’s Manifesto’ by Michael Pollan. Here’s how it starts:
Eat food. Not too much. Mostly plants. That, more or less, is the short answer to the supposedly incredibly complicated and confusing question of what we humans should eat in order to be maximally healthy. I hate to give the game away right here at the beginning of a whole book devoted to the subject, and I’m tempted to complicate matters in the interest of keeping things going for a couple hundred more pages or so. I’ll try to resist, but will go ahead and add a few more details to flesh out the recommendations.
I love how Michael Pollan simplified a complex topic (and a whole book) down to 7 words:
Eat food. Not too much. Mostly plants.
It’s beautiful. Those 7 words have stuck with me since — and as a result, have helped influence my eating.
Two years ago, I ditched my iPhone 6 for a Nokia 130.
It was an extreme decision, but it felt the only thing left to do. I was tired of being constantly connected. I couldn’t find a way to break the addiction of compulsively checking things.
It took a couple of weeks for the urges to go away — but go away they did. And once they did, life got better. I’m not tempted to go back one bit. It’s been life changing.
It’s not often that I read or listen to something that stops me in my tracks because it resonates so deeply. It happened yesterday.
It came from Tim Ferriss’s latest podcast with Naval Ravikant (CEO and a co-founder of AngelList and successful investor). Naval was back to answer ten questions from listeners and he took on one about a life insight he has.
It was so awesome and is something I am going to remember when I find myself worrying too much about the future.
I transcribed that part of it below. I highly recommend listening to the whole thing. It’s only an hour long and the whole thing is excellent. 
Q: What insight about life have you acquired that seems obvious to you, but might not be obvious to everyone else?
Naval: This one is a tough one, its a deep question. I do have one fundamental, recent belief that I’ve acquired in the last few years that I don’t think most people would agree with. But it’s such a personal thing and it came about in such personal circumstances that I’m not sure anyone else will get there in the same line of reasoning. That said, I’ll lay it out anyway.
Which is, I’m not afraid of death anymore. And I think a lot of the struggle that we have in life comes from a deep, deep fear of death. And it can take form in many ways. One can be that we want to write the great American novel, or we really want to achieve something in this world, we want to build something, we want to build a great piece of technology or we want to start an amazing business or we want to run for office and make a difference.
And a lot of that just comes from sort of this fear that we’re going to die, so we have to build something that lasts beyond us. Obviously also the obsession that parents have with their children. I mean a lot of that is warranted and biological love, but some of that is also the quest for immortality. Even some of the beliefs or some of the more outlandish parts of organized religion, I think fall into that.
And I don’t have that quest for immortality anymore. And I think I came to this fundamental conclusion. I thought about it a lot and the Universe has been around for a long time. The Universe is a very, very large place. If you study even the smallest bit of science, you’ll realise that for all practical purposes, we are nothing. We’re like, we are amoeba. We’re bacteria to the Universe. We’re basically monkeys on a small rock, orbiting a small backwards star in a huge galaxy which is in an absolutely staggering gigantic Universe which itself is likely part of a gigantic multi-verse. And this universe has been around probably for ten billion years or more and will be around for tens of billions of years afterwards. So your existence, my existence is just infinitesimal.
It’s like a firefly blinking once in the night. So we’re not really here very long and we don’t really matter that much. And nothing that we do lasts. So eventually you will fade. Your works will fade. Your children will fade. Your thoughts will fade. This planet will fade. The sun will fade. It will all be gone. There are entire civilizations that we just remember now with one or two words. Like Samarian or Mayan. Do you know any Samarians or Mayans? Do you hold any of them in high regard or esteem? Have they outlived their natural life span somehow? No.
So I think we’re just here for an extremely short period of time. Now from here you can choose to believe in an afterlife or not. And if you really do believe in an afterlife, then that should give you comfort and make you realize that maybe everything that goes on in this life is not that consequential.
On the other hand if you don’t believe in an afterlife, then you should also come to a similar conclusion which you realize that this is such a short and precious life, that it’s really important that you don’t spend it being unhappy. There is no excuse for spending most of your life in misery. You’ve only got seventy years out of the fifty billion or so that the universe is going to be around. Whatever your natural state is, it’s probably not this. This is your living state, your dead state. It’s true over a much longer time frame. So when I think about the world that way, I sort of realize that it’s just kind of a game. Which is not say that you go to a dark place and you start acting unethically and unmorally — quite the contrary.
You realize just how precious life is and how it’s important to make sure that you enjoy yourself, you sleep well at night, you’re a good moral person, you’re generally happy, you take care of other people, you help out. But you can’t take it too seriously, you can’t get too hung up over it, you can’t make yourself miserable and unhappy over it. You just have a very short period of time here on this Earth. Nothing you do is going to matter that much in the long run. Don’t take yourself so seriously. And then that just kind of helps make everything else work.
So yeah. That’s that’s an insight about life that I’ve acquired that now seems obvious to me. But it’s really not I think obvious to most people.
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