Naval Ravikant and Tim Ferriss changed my life.

I watched 100s of their videos over the last 5 years.

Here are the 12 best philosophies I learned that will change your life: 1. "The only real test of intelligence is if you get what you want out of life."

Makes a lot of smart people look stupid.

If you're not getting what you want out of life or settling for second best, it's time to change.

I retired at age 34.

I could have retired by age 24 if I had started these 12 habits earlier: 1. Stop working a job sooner than everyone else

After a year a 9-5 job holds you back

• Risk of layoffs
• New learning stops after 90 days
• Boring. No creativity.

Get a job then use your free time to build a business (even if it's a solo business)

I own a 7-figure online business. I've been building it every day for 11 years and I’ll tell you in 2 minutes:

Here are 20 controversial views I hold about online business: 1. "Making money online is bullsh*t"

It's a bunch of pyramid schemes built on the myth of passive income.

Build a real business with customers instead.

My #1 regret in life:

I wish I didn't lose $1.2M to a digital wallet hack.

11 pieces of brutally honest money advice that I’d give to my younger self (so you can avoid my failures): 1. Never put your life savings in one place

I stupidly put a large amount of cash in one place. When I got hacked I made it easy for them. Instead, do this...

• Multiple banks
• Multiple wallets
• Multiple crypto exchanges
• Multiple stock trading platforms

It took me 11 years to figure out and I'll tell you in 2 minutes.

We all hit income plateaus.

If your income hasn't grown for 2+ years, and it bothers you, that's an opportunity.

Here’s how to increase your income (without paying a business guru): Income plateaus are universal. Everyone, including me, has them.

• Are rising prices hitting you hard?
• Do you think about money too much?
• Do you feel poorer than 2 years ago?
• Do you see expenses instead of investments?

This is likely an income plateau.

$240K/year is where your life transforms the most.

• Mostly blank calendar
• Work 4 hours a day
• Nice house with a backyard
• No boss

Here's how you can make that monetizing the existing skills you already have: An employer pays you the lowest amount for your skills.

That's how they make a profit. A salary also won't make you rich.

It's better to sell your skills to the open market

I wasted 1,040 hours on X for 2 years.

Then a bizarre thing happened and I gained 7,000 followers in 4 weeks.

Here are 10 things I wish I knew on Day 1 in 2023: Biggest learning: post 100% long-form content every day for 1-3 months.

This is what I did. The algorithm rewards time spent on content and depth.

One-liners won't get you followers.

I’m a business owner. I’ve been helping other business owners for 11 years and I’ll tell you in 2 minutes:

Here are 18 BRUTAL TRUTHS about building a business—most people won’t tell you: 1. Building a business isn't easier than working a 9-5 job. Ignore the laptop lifestyle p0rn. It's 10x more fulfilling though & will eventually make you wealthier.

I'm 38.

It only took 10 years in banking, a layoff, mental illness, & being an alcoholic... to sort my sh*t out – and not give a f*ck what anybody thinks.

If you want to transform your life in your 30s & 40s, read this: 1. Make having a job short term. Climbing the corporate ladder is full of broken dreams. Start a digital business instead & become an owner.

Today is my 39th birthday.

This year I've had some powerful breakthroughs that changed the trajectory of my life forever.

Here are all the things that I know at 39 which I wish I knew at 20. 𝟭. 𝗕𝗲𝗶𝗻𝗴 𝗲𝘅𝘁𝗿𝗲𝗺𝗲 𝗶𝘀 𝗿𝗮𝗿𝗲 𝘄𝗵𝗶𝗰𝗵 𝗶𝘀 𝗼𝗻𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗺𝗼𝘀𝘁 𝘂𝗻𝗱𝗲𝗿𝗿𝗮𝘁𝗲𝗱 𝗹𝗶𝗳𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀

Most people head toward a goal in a lukewarm way.

They’re interested, mildly passionate, or even curious, but their level of intensity is off. So no one pays much attention to what they’re doing.

The work they do is mostly ignored. Their results stay at zero or close to. Their motivation goes wildly up and down like the Bitcoin price.

When you take an extreme approach to a goal there’s little competition. You instantly stand out and people think you’re smarter.

An extreme approach means you don’t have to ask for permission because successful people are attracted to you.

Be extreme or don’t do it all.

If I had to begin from $0 and make $6M online again at 38, here’s what I’d do: I'd build a business with real customers, not some fake passive income machine.

I'm 38.

I wasted 10 years learning this the hard way. But I'll teach you in 4 minutes.

If you're soft, quit reading now.

Here are 29 uncomfortable truths I wish I knew earlier: 1. Job security is the greatest lie of the 21st century. You can be laid off in the next 5 minutes.

I'm a millionaire, but I:

• Don't take cold showers
• Don't read 5 books a week
• Don't have a morning routine
• Don't listen to wealth gurus
• Don't drive a Lambo

Here are 12 ways to build wealth (without all this bullsh*t): 1. Try selling expensive things to rich people

It's easier than selling low ticket stuff to the masses who struggle with money.

I'm 38.

If you want to be successful but are lazy, please read this: Here's the brutal truth:

Years of your life are wasting away.

You might think you'll be successful one day but if you don't take action today nothing will happen.

Success is based on the habits you do today. Here's how to rethink progress:

I’m an entrepreneur, and I keep hearing the same complaint:

"I'm making money but I'm working long hours."

If you're always busy, your business isn't making you wealthy. It's making you poor.

Here’s what’s really going on (and how to fix it): 1. Trading time for money

This is where we all start. But if you continue this approach long term you'll have no time.

You must first be aware of the problem & acknowledge it.

Nothing changes until you do.

I studied Finance and I hate to break it to you but:

The less you focus on money the more money you make.

Here's how: When money is a problem you think about it 24/7

This creates a scarcity mindset. You start to think everyone is trying to take from you.

So instead of investing in yourself you do the opposite.

Then you get trapped in your head & don't make progress with your money problem.

I’m Aussie.

Most people are obsessed with the American Dream.

But having an American business partner shattered my western mindset.

14 U.S. oddities I still can’t wrap my head around: 1. The U.S. is filthy rich

And full of opportunities. If you can't be successful in America you probably can't do it anywhere.

- Entrepreneurs are leaving places like the UK
- But America has a thriving startup scene

If where you live sucks, move.

I left corporate at 34.

Here are 34 controversial truths about Millennial workers that'll piss you off:

1. We're not passionate about a job– we just pretend to be until we can get the f*ck out of there 2. We don't believe in climbing the corporate ladder. Get a degree, work 40 years, retire, die. This doesn't motivate us (or anyone else).

3. Our #1 dream is to be a creator with a Youtube channel. This has replaced the corporate dream forever.

I'm 38.

It only took 10 years in banking, 2 layoffs, 3 breakups, a baby at 36 & mental illness...

To find myself – and how little f*cks I have left

If you want to reinvent your life in your 30s or 40s, read this: 1. Stop being full of B.S. excuses

“I’m busy”
“I can’t make money on the internet”
“I have imposter syndrome
“I’m an introvert”
“I’m waiting for the right time”
“I’ll start one day”
“I’ve postponed it to 2026”

If you say any of these lines you’re a loser.

The good news is you can become a winner again by doing the opposite.

F*ck off with the labels.
F*ck off with excuses.

At 26, I had a career plan.
At 34, I quit my corporate job forever.
At 38, I have no rules and am free.

If you’re feeling lost, read this.

15 life lessons I wish I knew sooner: 1. Optimize for mental health, not wealth

Plenty of careers can make you rich. But you end up stressed out 24/7.

And stuck in meetings with time wasters.

Real wealth is peace of mind

I’m 38.

After 10 years in corporate, I learned the hard way.

Here are 16 career lessons I wish I knew in my 20s.

(If you're working a 9-5 job, don't make the same mistakes I did.) 1. No boss will ever give a f*ck about you

But if you help them get what they want, you will get an unfair advantage.

Choose a leader instead of a company logo

Bonus: choose a leader who also loves entrepreneurship & has hopes of building a business

These leaders are built different.