How much does it take to be happy? [header-card-min-1] How much does it take to be happy? [4 (14)] Hey Contrarians, Itâs a lot harder to get lost when you have a map. The good news is, todayâs newsletter is exactly that â a guide. What for, you ask? For remaining fulfilled while working toward financial freedom (and not being miserable each step of the way). Speaking of step-by-step directions, before we dive in, we have something cool to share. Something weâve never done before⦠Next Saturday (December 16th), Codieâs hosting an extensive, no-fluff crash course on buying profitable, small businesses. This half-day, 100% live online event will be, by far, our deepest masterclass yet on biz-buying. Itâs an incredible opportunity to start learning the ins and outs of it all. Oh yeah, and itâs COMPLETELY FREE â but seats are limited and we anticipate theyâll get booked quickly. [Learn more and sign up here today.](113/d2RjD304/VWnnRg99qkSzW5HTzCd59chfrW6D6W6y56NSqgN6pj1X-3qn9gW95jsWP6lZ3nnM2h258SpjqNW2tp5Gh5MCmjsW8xXb-L4cSgWdW89xPT62pvpBJW7YdB2K4wfdYvW2VKB3v6P1y5vW8DbKYt7KVVkMW9d1Dny5p-nG5W5yz-7B6rnmwzW8GcZnN6WZfcjW14qgK88rTBy0W3tM4qb8jCbc7VQB6pw5hbryKW2qrMPt7DhZRKW4hV5Hn6s38qsW3dd6qc64dRyDVF0_k93QpTtnW1HLngB5F2bL5N7nFgzTrtB-zW1WQWvg17tRVPW6BB8bL9j1k5JW2jTpL81x5707W2zf-5v9llj9bW4hLVjS3nY9_HW1DKfsx16gYg5W5bkZSB98zDxHW4rGVrq20nH8sW3YTl1q3tj7qLW6Vjblf3t7tM6W4qK02Y8jPkmSf8lLWcK04) [divider-min] Today in 5 minutes or less, youâll learn: âï¸ Letâs play a game⦠âï¸ $0 â $100k: Heads down time âï¸ $100k â $200k: Know yourself and jump âï¸ $200k â $500k: The skin and save zone âï¸ Youâve made it to $500k. What now? [divider-min] Letâs play a game⦠Ever played Candy Land? Itâs not that different from a game weâre calling Money Land. The route to financial independence in Money Land is sprinkled with sweet victories, shifting incentives, and unexpected pitfalls like the gloomy molasses swamps of debt. But step back, and thereâs a clear path to the goal. [Screenshot 2023-12-07 at 11.11.58 AM] Navigating Money Land requires a keen eye for opportunities, a dash of risk-taking, and the ability to weather the occasional setback with resilience. So why play? Letâs start here: Recent research has found that, for most people, moneyâs positive effect on happiness [plateaus](113/d2RjD304/VWnnRg99qkSzW5HTzCd59chfrW6D6W6y56NSqgN6pj1Wb5nXHsW5BWr2F6lZ3pWVVg3hb5RM6XzW1WVMFN45l3_8N409dKzh597QW16VmtG3Cb6SXW6C5rrn2H4QS8W378SMB4jmdcnVP4_8_5rxQqYW66w5v18YCWjYW1qGGBR5FfSQFW5JxwV83SXWRwW3wfmnQ8zStMbW81tXpf1qsdc8W8wmYl15ZHJrhN6hVnlTsV76mW28RCv98p61lPW61w8g62q0RTcW2SjDly1D72TyMpsJ-f2BTFHW2q_dsl1JNzQSW174zX15ZYcxsVMV5gF3Fbv-qW3GTxF91QzyrsN6MRhQn3_4KMW4fgBkk5ZWwwVW8R8-g96Yjd54W1Lvy1J5qc7WsN1gwmVbvdyhnW4mD-x65zjn27W8hKmR44dv6mzW6dZw836qk4VVW8Bwj4m4Y_1zzW6W2v-974T5dxW2SyvcF5XFGXMW68yc_W83CQ1Pf5Ywfj404) at around half a million dollars in income. Still, itâs important to note two things⦠First, the data also shows that 15% of folks donât see happiness rise with income over $100k. Itâs why theyâre known as the ârich and miserable.â Second, as we all know, getting to $500k is no piece of cake, which might explain the first point. Reaching that point often requires investing tons of time and money, ironically enough. The push to $500k can lead to despair, dissatisfaction, and a lack of purpose. So how do we withstand what it takes to get that money while building toward it? We follow the map of Money Land and its four phases. This isnât a guide to making $500k. Itâs a guide for how to make it so you stay fulfilled. You can keep it in your back pocket for reference as you level up. Ready to roll? [divider-min] $0 â $100k: Heads Down Time We call this first phase the Heads Down Zone. Spoiler: it sucks. For many, âsix figuresâ is a right of passage. Charlie Munger, who passed away recently, said it best. [CharlieMunger_100k] He continued, âI donât care what you have to do â if it means walking everywhere and not eating anything that wasnât purchased with a coupon, find a way to get your hands on $100k. After that, you can ease off the gas a little bit.â To get there, you will likely have to work harder than you want, for longer than you want, and on things you might not even want â which all sounds like a pretty sour recipe. So the key to making it not suck so much is to become obsessed with learning. Hereâs the secret⦠Once you can cover your basic needs, become obsessed with learning something. With building a skillset. With achieving that $100k milestone through personal and professional development. Turn it into a game. A challenge. Have fun with it, and watch the heads-down time feel more like a sugar rush. (Curious how Codie hit her first $100k? [Watch this video](113/d2RjD304/VWnnRg99qkSzW5HTzCd59chfrW6D6W6y56NSqgN6pj1XH3qn9gW8wLKSR6lZ3nNW1_ySsS3N729bW8Hv-Dg2FP9ShW24Rfbb5HlP8SW8rvF4c5mH34MW6M0rNq3P8hYqW3HF9Yj3Yd_kdW55LsLV6R51fZW21NP8B7sP_-bN1sq3H-Fw7gQW2QHYGZ6SK25LMRCWk47DQdKW48Z7KJ2W52kdTTLgL8RCj6XN3nnYHMQnVxYW1tx5kp3P80BpW71cLwT3r9MCNW8ts72W5R5dYKW7_z4tF3KX0JDW20BmW14bwXgLW5ZDBCN1VPY0cVJqtyx4Tqbq4W9b2gHY1dgTzKN6DYTxrnWRnfW3kgmsV69YWzxW4lGsZ44ZQv0vW3lDRtB4b2twtW4wmgl74CsCs5N7GC0hh_Q-qndT8lFR04).) [divider-min] $100k â $200k: Know Yourself and Jump This section is for once youâre at $100k, and itâs what we call the âKnow Yourself and Jump Zone.â Yes, itâs a weird name, but just go with it. Anyway, there are two tricks you can keep up your sleeve to get to $200k in a fulfilling way⦠1. The self-interview framework This framework solves an age-old paradox. What youâre passionate about often doesnât pay the bills and the things that do often make you want to throat-punch your boss, which is usually frowned upon. So a self-interview can help you position yourself to find some balance â to leverage what youâre good at and then become passionate about being great at it. Hereâs how it works: - Write down your peaks and valleys. The peaks are the specific things youâve learned you like and want. âMeeting other smart people,â âmaking more money when I do more work,â and âhaving geographic flexibility,â are all good examples. - Valleys could include things like âa boss you hate,â âa cubicle,â and âhighly repetitive work.â Once thatâs done, list out what specifically makes you feel that way about each peak and valley. Use this map of peaks and valleys to guide your way to identifying outlets that leverage your unique skillset but align more closely with where your headâs at. 2. Ikigai Weâre borrowing this one from the Japanese. Hereâs how it works. You draw out four circles: things you love to do, things youâre good at, things you can be paid for, and things you think the world needs. In a perfect world, the thing that you do sits right in the middle. [Ikigai] Now, is this a perfect world we live in? Hell no. But consistently strategize around this, and youâll find ways to keep yourself more fulfilled over time. When you find those outlets, remember: turn them into obsessions. If youâre willing to become obsessed with something, particularly something that fulfills you, and you spend significant time on it, then the competition working to capitalize on it narrows dramatically. If thereâs one tool thatâs really hard to compete with and thatâs available to anyone, itâs obsession. [divider-min] $200k â $500k: Skin and Save Congrats, youâve made it way further than most people ever get. Youâre now in what we call the âSkin and Save Zones,â where youâll have to start thinking differently⦠The skin zone The first way is by focusing on getting skin in the game. In other words, donât just get paid for the hunt, but eat what you kill. At this point, you donât need to leave your job, but you do need to make sure if you take part in a win you get paid for it. That means bonuses, upside, equity, profit share, incentive alignment, and so on. The CEO of Goldman Sachs earns $2M a year in salary alone. Nothing crazy, for that title. But heâs also making tens of millions a year in total compensation. Skin in the game means if you win, you earn, if you lose, you donât and you may even have a downside. (Check out [this article](113/d2RjD304/VWnnRg99qkSzW5HTzCd59chfrW6D6W6y56NSqgN6pj1VW5nXHsW50kH_H6lZ3nBVcXFYG4BDpFYW4z-y-66zkfBzW6bj0nr3F4g__W1QPC-N8gDTP_W768YH_2B3lgsW2v5k4y8MGrC4W6cwszj5pwX07W8YwfDT13Lt1WW32vMMX2K5tmRW6gr4RF65_J4CW1phdcL9b87rnW6-60cm6YGb5HW53SVsz9886wtW5c0v5W17gTkqN11GS192FH6dW7b2CWP2rSJH6W5SZmVQ63v7D9W3ZYhWy9gwFslVB1JG81SNq9xW8c-lFX97cDPJW5hFYvT2sdn72W1rTKLr66TBwgW1hkSM7656qMwW63fq-31fhy3tW6pWmnC3YY7t7W7CVxgq8xX28_W7YvVvl4BY3pRV-zs8n24-WbFW6qlymh7kb_DpW63L5Xt92tFlwW8N2rvC9bdrmhW6vPFpB3VcKSgf27f1bs04) to see how much money Codie left on the table when she left Goldman.) The save zone The other side is the save zone, and itâs all about lifestyle creep. At this point, some of your friends are making six figures, too. Some are making more than you. Youâve got a car. Theyâve got a nicer car. You used to have BYOB chills, but now yâall go out to fancy dinners. The sneaky thing that happens as you make more money is that you start to spend more money. The mission: Level up your life at a rate slower than your income growth. [Lifestyle_Creep] Entrepreneur and investor Naval Ravikant has a great quote on this: âPeople who are living far below their means enjoy a freedom that busy people upgrading their lifestyles canât fathom.â Even so, itâs hard to get rich just by spending your time saving money. Thatâs why you also need to save time to make money. When Codie had one of her very first businesses, a consulting service for US-Mexico cross-border trade ([which failed](113/d2RjD304/VWnnRg99qkSzW5HTzCd59chfrW6D6W6y56NSqgN6pj1X-3qn9gW95jsWP6lZ3mtW1jF7H35KpcDBW3m42f54k8GWPW5CwNV19bKy_vW7C5_7t3rkBb6W2FTQsj1m0TsfVYZC4C3wB_g2W7qLhxs8yGXgbW1Dz1C61NTHw1MB-bPqMlXF8W4_Tdtf30bLhVW4b7wPB5dc7xmW91s7cR7_d1ckW3ym76w4XShnGW3LSfbc908Y-SW7rV98377DxVfW7kGrlv7NLjb5W1kKl7z5MhBB3W2h1RRY4WyH-zW5b61mn5d6KxJW7lwBS77WPQP5W188ywS1ZlJ2-W18C34P9dsv8mW1k-GMl6-P0rWW6-PPTm7n6rJqW65BFRK1Rl7RHW97Bgjp3X_56NW1TRY2c3BM89gW4Q_r8C4RZCHHW79fc6x6l1Kf5W4CYyDh32lS5Zf5_J48s04)), she used to brag about how the website cost almost nothing and a logo came with it for free. If youâre going to virtue signal, choose sacrifices over spending. Youâll move faster, remain focused, and stay fulfilled longer. [divider-min] Youâve Made it to $500k. What Now? Alrighty folks, youâve hit the plateau â and look at that, youâre not miserable as a door knob. Now how do you remain fulfilled? The first thing to do is internalize this: comparison is the thief of joy. Imagine a bar with 10 people who all make $500k a year and feel pretty good about themselves. Then Jeff Bezos walks in and the average income jumps to something like $1.2B (Since his [net worth](113/d2RjD304/VWnnRg99qkSzW5HTzCd59chfrW6D6W6y56NSqgN6pj1X-3qn9gW95jsWP6lZ3kYW2rH8z87308-CW4rvc7d50DCpTW3nB_Pv4T6jg8W8YbY181Ylg7bW37Hr3h8hwFcgW367Qrf27_mGMW63z-Xk3VlcMPVTq6Gk1Q9MGzV7DhW86q3FC3W6B37WF4J3j8kW27xrc85zSXdhW7cKKjW5tZHY_V2nhNk92lkZ1W8J0J5D599f4rN997HnGWLNsdW2KHDZP7lWh45W8R94d96st51BW1SrGqt9j5XX5W76Kgsn70lgS8N8_81xvxl6jPVPxdJj69wSGcW7jjr3m3Ft8NjW2QLVsm5ny-0bW7N_S376xBVVTW4969DX6H84yTW5F__Pf8J426HW3J_4WX3BLXJ6W9hXcgX7jm3PrW2LzHgJ2GFg_kW51h-xW2T-tppf7d-F2d04) has risen ~$13B annually over the last decade). [BezosBar] Wealth can be contagious, but so can jealousy. Suddenly the happiness of the bar goes down. Comparative jealousy is a symptom of a misery flu. Deny this from happening. Youâve scraped and climbed your way up. Someone will always have more than you. So what do you do now? Focus extra hard on becoming a human being, not a human doing. (Not sure who came up with that line, but itâs a good one). Prioritize experience over materialism. Practice giving over receiving. Become extra focused on grabbing a slice of lifeâs pie, because itâs so very rich. [divider-min] The really rich donât do it for the money⦠Alright, thatâs not true. But at some point, they also do it for the fun, and the money becomes a way of keeping score. So go unapologetically chase your first $500K. Yes, itâs a lot. Yes, itâll take time. But itâs not a ridiculous goal. Keep plugging away, developing skills, building on ideas, and trying out as much as you can. Have fun as you go, and use this guide to stay focused and fulfilled along the way. Kapish? Letâs light this candle. [divider-min] [about-pigsfly] SO not boring... ð® Wowza: Googleâs [new product](113/d2RjD304/VWnnRg99qkSzW5HTzCd59chfrW6D6W6y56NSqgN6pj1XH3qn9gW8wLKSR6lZ3prW2x0fx07lj1zpW7crG953x6nBSW5XGpHG5kthS3W2KrRSt5R3367Vs8hXx25SfpLVK_ycN1xp_77W7X6-2m4CvLKLW8Kd0KP4rj3JcW57s9MH4-1g2sW36JBbg6qn2CMW7KNKs53wrfpzW2B3J6k2pGLDpN6sCdbP9C_tkW1N__RY38J6SQW3d6vXb3HlLNpN1q6x_9DXXzsW2wtv7y8LmbPqW2MDWXd1LmMjGW1JNTlY5tHFNkW3SC8NG4V87ZwW7jSQqp3tjckcW65Ry5T2CzrHrW1DNx524m5WvFW38pWwl4Q3NT5W2nhBdN1Sz90XW2l5LrF8b-gm8W1CJ6tx4J_q1nW750Qct88LMkbf7Blm_K04) gives ChatGPT a RUN for its money⦠âï¸ Take notes: How Codie built [multiple income streams](113/d2RjD304/VWnnRg99qkSzW5HTzCd59chfrW6D6W6y56NSqgN6pj1XH3qn9gW8wLKSR6lZ3msW45XTCw7DdmRtW8cJyxc19K2rWVZKC6T8vq7hxVqVPKs1hjj9NW1Snfhz1zkM3zW5Ddcfz4-NBHTN6sZL4r4sXj1W2KqyrY5N6jRCW8NwJx441Gnc7W8wXXlr3vmMgxMypF-cb2WqVW3_6yz786S-dpW4Tw0Dl1f5m1HW49lYdt651FQzW4sHdKC1TbxnRW4q-Mnf1vlHyZW799Ldk7Fgy-pN7FsXtw4nyBqW5t7Y2x4fsgZ5W5pqy032CzbC5W6QVPw-8db-tQN2YcsdZ5BwYTW68MkP72T6C4gW944HF06XGjz8N2-NHk7zJq0kW94fW-V3dvSlFW4g_lQ38V85FhVC_R525vFcTwdx9hpz04) while an employee 𤣠Gotta love it: A [Reddit thread](113/d2RjD304/VWnnRg99qkSzW5HTzCd59chfrW6D6W6y56NSqgN6pj1Wv5nXHsW69t95C6lZ3ktW4qxC8N4Rb5rnW1hKg_y1WbZk3W6WpsCN8DVC1lW6JsZRp7LfHbSN8kPn7tnrM6CW4G3zwb3qP6MRW8VCbFY3ScTbZW5Wxswm98q94bW85hTqs5jrKnSW27zJbb1C_0RPW2Snbpp8fvX5MW6mnF6H888klBW4jrxZT25l1ZNW70gRbz936HFWVFY47K8FB_WcW6YNp9y6hmrrjW4g1VmD85wd0qW2d3ML125_Hp0W5XsBvs6jhzBYW3CYjvv39bPKnW13w2Sh2NBHJFVHFnrZ4MDfV5W15ztkm3GFMvxN2Cb4bQxF5MwW7Y7K7T8syZtwVPtC5F7D3cqtW76VLtW8ZswwLN3CBb1Wml4c8W5ykGhh4GFsjFW8VLJHS1jfr22Vcc-Qv2TX-QRW8cXp8h953vvcW2CT3nT8qX_6-N1l_vXpK0v5CW2Rjdvc3fWWZfVHJFwR3VhyWBf3kS4Dl04) about the âdumbest bizâs youâve seen do wellâ [divider-min] âï¸ Whatâd you think of this weekâs newsletter? Hit reply to let us know! âï¸ Check out our [Contrarian Community](113/d2RjD304/VWnnRg99qkSzW5HTzCd59chfrW6D6W6y56NSqgN6pj1X-3qn9gW95jsWP6lZ3mdW3Rv1-N6zZdSZW86zmP_8WcvnZW1CbQbQ6c5bbtN92SxWDWS3B7W1tZlYc2x1dGzW4Rv1NL5f8fJgW1T7XK07cYN7yW6ShK8Z3Pkw90VPDlMy34zFvMW7QMhxf2B9qKPW980W1w33W8X3W1Q7qZv6jW7KmN6gR0kV8kyGDN5LXW5rhjFm9W6kVSZB1Dk3YWN7rJf-wN3_3zW6-9W-W8_hN4tN4HWgtfnWwl2N19qpxG5DRf3W7VbHZH4Pdjw0W1B4YYM6_nhPZW3cXfYC1KgK8QW6RPzHr4nlYWLW7h7ZV01PGv-fW6t0Zny8p7n4SVKTx3D52gqs3W56Qn7S59Q7JqW5zTdtF5yHDxFW3vnt0n66-l_7W4RShPG5cY29-f1xlN--04). Learn how to buy your first (or next) business with our expert guidance, support, and accountability. Powered by HubSpot Adelante = always moving forward [atlas] Contrarian Thinking, LLC, 6705 W Highway 290 Suite 502 PMB 1093, Austin, TX 78735-8407 [Unsubscribe]( [Manage preferences]( Disclaimer â Be an intelligent human and make responsible choices. There are zero guarantees in life. 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