The cost of procrastination is the life you could’ve had.

And the root of procrastination isn't laziness, it's anxiety.

If you suffer from procrastination, read this: 1. Use the Pomodoro Technique:

The Pomodoro Technique is a time management technique that involves working in focused 25-minute increments, followed by a 5-minute break.

After four cycles, take a longer break of 15-30 minutes.

This will help you stay focused and avoid burnout.

Many struggle finding remote jobs

But there are millions online

Here are 10 websites to find them: 1. Reddit:

Check out subreddits like r/remotejobs, r/telecommuting, and r/workonline for job listings and advice from other remote workers.

Set up custom feeds for your niche and relevant keywords so you catch every new listing:

The rich use many tricks to make their children millionaires (and reduce taxes).

And you can use them to make your child a trust fund baby too.

Here are 10 strategies and accounts to make your child rich: 1. Set Up a Trust

Trusts offer many benefits like asset protection, tax advantages, and the ability to control how assets are distributed.

With a trust, you can transfer assets to your child and ensure that your child's money is managed responsibly.

Trusts can be set up to distribute assets at specific times or under certain conditions.

As the trustee, you'll have control over the trust and can make decisions.

A trust is protected from creditors and lawsuits, protecting your child's assets.

Age at first $1 Billion:

23, Mark Zuckerberg
31, Bill Gates
32, Jeff Bezos
34, Rihanna
34, Taylor Swift
36, Kim Kardashian
39, Beyonce
39, Jay-Z
40, Kanye West
41, Elon Musk
41, Lebron James
42, Michael Jordan
52, Warren Buffett

1 important lesson from each: "I can accept failure, everyone fails at something. But I can't accept not trying."

— Michael Jordan

Microsoft Excel is used by 99% of the world’s businesses but most people still don't know how to use it.

Here are 10 must-have Excel skills everyone should know: 1. VLOOKUP:

VLOOKUP lets you search for a value in a table and returns a value from another column in the same row.

For example, you can use it to find a person's phone number based on their name.

Just type "=VLOOKUP(lookup_value, table_array, col_index_num, [range_lookup])" and replace the parts in brackets with your data.

Hard skills get you hired but soft skills will get you promoted.

Here are 10 soft skills that are most in demand (and the best ways to show them): 1. Communication Skills:

Being able to talk and write clearly so everyone understands you is key.

Effective communication is the backbone of teamwork and leadership.

Strong communication skills enable you to clearly convey ideas, actively listen, provide thoughtful feedback, and tailor your message to different audiences.

Demonstrate this by being engaged in meetings, paraphrasing back key points, and crafting emails and reports that get ideas across concisely.

Psychology proves procrastination is caused by anxiety, fear of failure and lack of structure.

If you struggle with procrastination, here are 10 hacks everyone should know: 1. The Pomodoro Technique:

This is a time management technique that involves working in focused 25-minute increments, followed by a 5-minute break.

After four cycles, take a longer break of 15-30 minutes.

This will help you stay focused and avoid burnout.

The wealthy avoid taxes with “Buy, Borrow, Die”:

1. Buy assets & hold (no taxable event)

2. Use assets as collateral to borrow money (while assets appreciate)

3. Interest on loans is tax deduction

4. Die to avoid capital gains (pass assets on a step-up basis)

Let's discuss: 1. The “Buy, Borrow, Bie” strategy is how the wealthy minimize their taxes.

They make investments that appreciate, borrow against those assets (using them as collateral for loans), then pass on those assets to heirs tax-free.

2. These loans are offered by banks and brokerage firms and allow borrowers to use investments as collateral to borrow money.

The interest rates on these loans are lower than traditional mortgages and HELOCs, and there are often no monthly payments required.

Taxes will be the biggest expense in your life so strategic tax planning is a must.

Tax code is 75,000 pages and the wealthy use every page of it to legally avoid taxes. And you should too.

Here are 7 tax tips to save you thousands: 1. Agusta Rule (Section 280A):

Allows you to rent out your home for up to 14 days per year without having to pay tax on rental income.

You can host a team retreat, party, event or meeting at your home, and rent it out to your own business.

Example:

You can rent for $500 a night, and have your corporation pay $7,000 for the ‘use’. That’s a $7,000 deduction to your business and you pay no tax on the money.

This not only reduces your taxable income but also offers tax-free income from rent.

Every job interview ends with Q&A

But most people never ask questions at the end of job interviews

Here are 10 questions I used to get hired at JP Morgan, Goldman Sachs and Citi: 1. Is there anything else I can elaborate on to ensure I’m the top choice?

This open-ended question allows you to seal the deal by addressing any lingering questions, and doubling down on your unique strengths.

Take this last chance to highlight 1-2 critical strengths they need, that you offer over the other candidates.

The final impression most directly impacts hiring choices.

YouTube is the best free education

But there are over 50 million channels and 99% don't know the best ones

Here are 10 channels to make you smarter: 1. CrashCourse:

This is a YouTube channel where you can learn almost anything

Their content is thoughtfully researched and presented simply

They break down complex topics into easy-to-understand lessons, making learning enjoyable

Life is all about the tiny decisions you make each day.

It takes 21 days to form a habit and 90 days to form a lifestyle.

Here are 10 simple habits to transform your lifestyle: 1. Take 5 minutes to plan out each day.

This will keep you focused to make the most of your time.

2. Learn to say "No".

Not everything is equally important. Don't take on more than you can handle just to please others.

Income and revenue are different things.

Expenses and costs are different things.

EBITDA and cash flow are different things.

Let me simplify it for you: 1. Expenses vs. Costs:

Expenses and costs are both related to the money that a business spends, but they have different implications.

Expenses are all the things you pay for to run your business.

Costs are a specific type of expense related to producing goods or services.

"Tell me about yourself" is the most important job interview question in the World.

But the truth is most people suck at it.

Here's how you prepare a great answer to get a job offer: 1. "Tell me about yourself" is more than just a question – it's an opportunity to sell yourself.

Your answer should be around 1-2 minutes long. Keep it short and sweet.

Focus on your education, work experience, and any special skills or achievements that make you qualified for this job

Tell a quick story about each highlight.

Tailor your answer to show how your skills and experiences match what they're looking for.

3.4 billion people use Google Chrome as their internet browser.

There are 200,000 different extensions for Chrome and here are 10 you shouldn't live without: 1) Grammarly

This extension is a lifesaver for anyone who writes emails or posts online.

It checks your spelling, grammar, and punctuation in real-time, as you type, helping you avoid mistakes.

Plus, it even explains why something is wrong, helping you learn as you go.

“Razors” are rules that help you make better decisions.

15 of the most powerful razors you should know: 1. The Sunken Cost Fallacy:

This fallacy makes us stick with a bad decision because we’ve already invested in it.

Don't keep investing time, money, or effort into something just because you've already invested a lot.

If it's not worth it anymore, it's okay to cut your losses and move on.

10 investing principles, visualized:

1. Picking stocks: 2. 120 years of stock market history in one chart:

10 books you should read every year: 48 Laws of Power by Robert Greene

Lessons:
• Master the art of timing
• Build a strong reputation
• Be adaptable and flexible
• Learn to control your emotions

You never get what you deserve in life, you get what you negotiate.

If you want become wealthy, master negotiation.

10 simple strategies to master negotiation: 1. Use the power of pauses and silence:

Awkward silences create pressure.

Silence prompts the other side to fill the void, sometimes making concessions.

After making an offer, stop talking and let the other side respond.

Things I know in my 30s that I wish I knew in my 20s: 1. Your relationship with money is crucial.

Bad money habits now will be hard to break. Your choices now shape your future - so choose wisely.

Age at first $1 Billion:

• 23 Mark Zuckerberg
• 31 Bill Gates
• 33 Tiger Woods
• 34 Rihanna
• 35 Jeff Bezos
• 40 Mark Cuban
• 41 Elon Musk
• 49 Oprah
• 50 Jay-Z
• 51 Michael Jordan
• 56 Warren Buffett

1 important lesson from each: The most important investment you can make is an investment in yourself.

The more you learn, the more you can earn.

― Warren Buffett