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

If you struggle with procrastination, read this:
1. Use the Pomodoro Technique:

This will help you stay focused and avoid burnout.

It's 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. Image
2. Use the "2-Minute Rule":

This will help eliminate small tasks that quickly add up and overwhelm you.

If a task can be done in less than 2 minutes, do it now. Image
3. Eat Your Frog:

It's energizing to get the hard stuff out of the way early.

Do your biggest, hardest task first thing in the morning, while your willpower is highest. Image
4. Use the "5-Second Rule":

This will help you overcome the initial resistance to starting any task.

When you feel the urge to procrastinate, count backward from 5-4-3-2-1, and take immediate action. Image
5. Break Tasks into Smaller Pieces:

One of the main reasons we procrastinate is because a task seems too big and overwhelming.

To make it more manageable, break it down into smaller, more doable parts.

For example, if you have a big project, break it down into steps like researching, outlining, writing, and editing.

This way, you'll feel less overwhelmed and more motivated to get started.Image
6. Use the "Pareto Principle":

This will prioritize tasks and avoid procrastination.

Focus on the top 20% of your tasks that will produce 80% of your results. Image
7. Create a "Not To-Do" list:

This will help free up time and mental energy for more important tasks.

Identify tasks or activities that are not essential or that can be delegated, and stop doing them. Image
The root of procrastination isn't laziness, it's anxiety.

Too many people struggle with procrastination, help them and 🔁 RT this to share it!

Follow me @FluentInFinance for daily tips!

Join 50,000 readers in my newsletter at !TheMoneyNewsletter.com

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More from @FluentInFinance

Oct 13
The US dollar is predicted to depreciate another 10% next year, after already depreciating 11% in the first half of 2025.

But what does it mean for you?

Here’s what you should know:
The U.S. dollar just had its worst first half of a year since 1973, losing 11% of its value.

Morgan Stanley says it could drop another 10% by the end of 2026.

Why?

Slower U.S. growth, falling interest rates, and foreign investors dumping dollar assets. Image
The best-case scenario?

The Fed gets inflation under control, trade deals stabilize things, and the dollar only loses another 5-7% instead of 10%. Your purchasing power shrinks, but not catastrophically.

The worst-case scenario?

The dollar keeps falling 10% year after year. Your $100,000 savings becomes worth $70,000 in real purchasing power within three years. Foreign investors dump U.S. assets. Interest rates spike to attract them back. Recession follows
Read 7 tweets
Oct 8
By the time @RealEmilBarr was 22, he built two multimillion-dollar companies, worth 20 million.

Here are his six most powerful tips.

If you're still in your 20s, I can't stress this enough:
Rule #1: Front-Load Intensity for Long-Term Freedom

@RealEmilBarr's philosophy: Sacrifice four years of balance to buy forty years of freedom.

Result? $1 million in revenue in under two years.

Front-loading intense effort during your peak years can buy you choices for the rest of your life.

Turn down activities that don't serve your goals. Be selective about relationships, commitments, and obligations.
Rule #2: Master Relentless Persistence

Most people give up after two or three rejections. They assume silence means "no forever."

But research on sales persistence shows that 80% of deals require five or more follow-ups, yet most salespeople give up after two.

@RealEmilBarr sent 54 follow-up messages to a guest speaker who'd run a celebrity social agency.

The first 53 were ignored.

The 54th got a reply that turned into nearly $1 million per year in business.

That persistence changed his company's trajectory.
Read 8 tweets
Sep 5
If you win tomorrow's $1,700,000,000 lottery jackpot (3rd largest in history) here are 5 things to do ASAP:

1) Don't sign the ticket (claim anonymously with a trust/LLC)

2) Don't tell anyone. Don't be a victim of robbery or death.

3) Hire 8 experts ASAP:
3) When you win the lottery, hire these 8 experts ASAP:

• Lawyer
• Tax attorney
• Financial advisor
• CPA/ accountant
• Cybersecurity firm
• Estate planning attorney
• Wealth management firm
• Personal security/ bodyguards
4) Do these 10 things to go private (because 70% of lottery winners end up broke and 33% declare bankruptcy)

• Add home security
• Delete all social media
• Use a 2FA on everything
• Use NDAs with everyone
• Change your address to a PO Box
• Freeze your credit with all three bureaus
• Do NOT pose for the winning check photo
• Get a new phone number and e-mail address
• Use Trusts and LLCs to protect your assets and maintain privacy
• Get comprehensive insurance coverage including umbrella policies, kidnap and ransom insurance

Privacy is an asset you protect.
Read 9 tweets
Mar 27
Roth IRAs can make you a tax-free millionaire.

But only 20% of Americans have one.

Here's everything you need to know about Roth IRAs:

(If you're in your 20s, I can't stress this enough)
How to Become a Tax-Free Millionaire:

Step 1: Open a Roth IRA with a trusted broker.

Step 2: Set up automatic contributions ($583 a month).

Step 3: Let your money grow over 30 years.

Step 4: Watch your savings become about $1.6 million tax-free.

Even if you start with a small amount, the power of compound interest will work for you.
What is a Roth IRA?

A Roth IRA is a special savings account for retirement.

You pay taxes on your money before you put it in.

The money grows and you can take it out later without paying more tax.

Unlike a 401(k), you open this account yourself. You choose where to open it.
Read 15 tweets
Mar 7
From age 20-30, learn these financial rules to become wealthy in your 40s and 50s:
• The 50/30/20 Rule

This simple rule helps you split your money in a balanced way:

50% goes to needs like rent, bills, and food

30% goes to wants like eating out and fun activities

20% goes to financial goals like paying off debt or saving
• The Rule of 72

Want to know how fast your money will grow? The Rule of 72 makes it simple.

Divide 72 by your interest rate to find out how many years it takes for your money to double.

If you earn 8% on your investments, your money doubles in 9 years (72 ÷ 8 = 9).
Read 14 tweets
Feb 14
Before age 40, you need to read these books:

1. Psychology of Money by Morgan Housel

Lessons:
• Money is More Than Numbers: Your habits, emotions, and past experiences shape how you handle money.
• Avoid Comparisons: Don't compare your financial journey to others. Focus on your own goals and progress.
• Plan for the Long Term: Think about money in decades, not days. Long-term planning leads to better decisions.Image
2. Millionaire Next Door by Thomas J. Stanley

Lessons:
• Millionaires Aren't Flashy: Most millionaires live simple lives and don't show off their wealth.
• Avoid Status Symbols: Don't waste money on fancy cars or big houses to impress others.
• Live Below Your Means: Wealth comes from spending less than you earn and saving the rest.Image
3. Simple Path to Wealth by JL Collins

Lessons:
• Ignore the Noise: Don't get distracted by daily market news. Focus on your long-term goals.
• Index Funds are Key: Invest in index funds for steady, long-term growth. They're easy and effective.
• Stay the Course: Don't panic when the market goes up and down. Stick to your plan.Image
Read 11 tweets

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