Have you ever woken up in the morning, looked at your schedule and thought, nope!

Let’s talk about that.

Sometimes the fear of getting out of bed seems to outweigh the risk of calling in sick.

You crawl under the covers, and hide in the fetal position.

Reach for your phone to escape.

Work, debt, rent, mortgage, groceries. Life adds up. Stress piles up.

The costs of living accumulate fast. Sometimes you owe more than you earned.

We are emotional creatures.

Despite Economists’ best efforts, no man woman or child has ever lived on rational decisions.

No one said life would be easy.

But there are ways to get over your fears.

One of the best ways to face the day is to know that nothing, good or bad, is as extreme as we believe.

Oh yeah, and you can stay in bed for now. It’s no big deal.

The world won’t end, and if it does, at least you’ll have slept well.

So let’s you and I relax for a bit

🤲🏽 This is not a failure of analysis. It’s a failure of imagination.
Nassim Taleb

In business school they talk about worst case scenario planning.

Tim Ferris calls this exercise fear setting.

Either way, get out your note book and start writing.

Put down your 3 biggest fears, no matter how wild or crazy they seem.

Death by toaster oven. Shark attack. Volcano eruptions. Terminator style, old testament judgement day.

Now let’s run the numbers. Same as we always do.

About 1000 people die every year from Volcanic eruptions. Most of them are in Indonesia and Philippines.

Where is your bed currently located?

Sorry to my Pinoy fans, but it might actually be time to move when you get your ass out of bed.

Whenever we are surprised by something, even if we admit that we made a mistake, we say, ‘Oh I’ll never make that mistake again.’

But, in fact… the correct lesson to learn from surprises: that the world is surprising.

Daniel Kahnemann

Shark attacks are a lot less common. Just over a dozen dead last year.

Quick: What’s 12 in 7951000000 people?

I’m no genius, but you’re probably good on the shark front.

But there were 36 unprovoked shark bites in the United States. Fact.

That means there is a one in ten million shot you’ll be bitten. Not killed. But a wee nip from a hammerhead will sting.

If you’re seriously still afraid of sharks, you suck at math.

My advice?

Steer clear of the ocean, my friend. No holidays in California or Hawaii.

Then you can relax a little.

See a therapist, click the link to Betterhelp. You know that odds are you’re safe for now. But talking it out could still help.

Seriously, though, write down your fears. Research the possible causes and outcomes.

Emotional fitness > emotional intelligence

A Las Vegas card counter at the casino blackjack table knows they’ll lose almost half their hands.

But they’re constantly running the numbers.

Truth, like money, is often counterintuitive.

We assume card counters know they are going to win. In fact, they know they are going to lose.

Professional risk takers prepare for the losses.

Stunt men, venture capitalists, and pro athletes all know the game is not won in a single big swing.

You have to learn how to save enough to suffer losses and stay at the table.

I’ve missed more than 9000 shots in my career. I’ve lost almost 300 games. 26 times, I’ve been trusted to take the game winning shot and missed.

I’ve failed over and over and over again in my life. And that is why I succeed.

Michael Jordan

When you are mentally prepared to lose, the actual sting of defeat is less.

When you understand the possible consequences of risk taking, the choice becomes less stressful.

The blackjack pro in Vegas knows the odds are ultimately in their favour. They start by learning a strategy.

They save enough to withstand losses. Then they earn the reward of calculated risk.

By knowing that defeat is inevitable, they are freed from the irrational fear of defeat.

The card counter is a gambler who sleeps well at night because their risks are calculated.

I will teach you to change your mindset by doing LESS— Learn. Earn. Save. Sleep.

So what are you still afraid of?

For when you are in a tough spot. Know what you want and what you fear. …Where is your hunger?

Be insatiable. And be on rhythm. Do not begrudge yourself and beat yourself up.

Tony Robbins

Today we are totally overwhelmed by information.

But the issue isn’t the quantity of data, it is the quality.

We are bombarded by crap.

I grew up in an era when there was no internet. No smart phones.

The only time I saw a mobile phone was on the family television in the living room.

If I wanted any news, I had to ask my father to borrow a section of the newspaper after dinner, when he was finished reading.

If I wanted to research a topic, I had to get off my ass and haul ass to the public library.

In my whole life, I have known no wise people (over a broad subject matter area) who didn’t read all the time- none, zero.

You’d be amazed at how much Warren (Buffet) reads- and at how much I read.

My children laugh at me. They think I’m a book with a couple of legs sticking out.

Charlie Munger

It is important to acknowledge that times have changed.

Circumstances for this new generation are not the same as they were in violent 90s, or hippy 60s.

Infinite knowledge is a paradox.

The internet has made us both dumber and smarter in the last decade.

Look at Elon Musk. Your brain is a bottleneck.

Sometimes the most difficult choice is saying, no.

Today’s reality makes a low information diet hard to achieve.

Overwhelmed by choice and options and information overload. You need a schedule, a plan and a strategy to execute.

You need to do LESS— Learn. Earn. Save. Sleep.

You cannot predict the future by studying the past. But you can know the odds and prepare for the worst, and the best.

Trust me, life gets better. The best is yet to come.

🌊 My mission: I will teach you how to do LESS.
I believe everyone can learn to earn, save, and sleep well with financial freedom.

Thanks for reading.

I write copy & content. I teach courses. I show up everyday.

But I do LESS. Learn. Earn. Save. Sleep.