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Time value of time: Time to change your relationship with TIME.

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MJ DeMarco

I followed the science; all I found was money.
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Ever sat at a wedding, champagne fizzing in your hand, thinking, "They've got a countdown timer ticking. Three years, max, before divorce blasts this union into smithereens"?



I have. And I've never been wrong.



Don't worry.

This isn't some morose saga about predicting divorces (although in The Great Rat Race Escape , I offer a 3-point plan to make your marriage bulletproof) but rather a story about predicting your fortune.



How? It's simple.

See, your marital status is a dance between you and your partner, much like wealth is a waltz with time.

Is time my nemesis, or can I mold it into your ally? In the late 90's something groundbreaking happens to me: Time, my arch-nemesis does a complete 180 and becomes my wingman. Like being "on the clock" in a grueling 9-to-5 gig, only this time, my clock never stops ticking. I'm minting money every hour of the day, whether I'm sleeping or busting my butt in the gym. It's been my reality for over two decades. 

The switcheroo? 

Time. 

The gulf between the filthy rich 1% and the struggling 99% is the role time plays in their lives.

Icons like Taylor Swift are raking in boatloads of cash every minute, whether she's shitting the toilet or belting out hits on stage. She has value. Systems. Content. Products. All of these give her a yield on time investments she made long, long ago.



You want jaw-dropping wealth that doesn't involve choking budgets and decrepit RV living?

Change your dance with time.

Here are SEVEN simple ideas to reshape your tango with time, transforming it from adversary to accomplice.



#1) BREAK FREE FROM YOUR TEMPORAL SHACKLES

Time can't be scaled or leveraged. You can't tweak the 24-hour day or the average 78-year life. Attaching wealth to "hours worked," "years salaried," or "years invested" is like shackling yourself to mediocrity's altar. Wealth will elude you.



And when some so-called "financial guru" peddles time as a crucial wealth partner ("Save $X monthly, you'll be a millionaire by 2070!"), get the hell out. Run! Unfollow!

This is ordinary finance for ordinary people. 



#2) WEALTH WITHOUT TIME IS A DEATH SENTENCE


Wealth without time is death. This simple fact is why using TIME as a partner for wealth is a foolish strategy.

Existential ignorance doesn't change reality, and the devil with thank you. Using TIME as a variable for wealth is akin to selling your vital organs for money.

What good is dying rich with a $2.3M portfolio if you wasted 40 years of your youth to save it and enjoyed none of it? 

Money's a powerful resource, a gateway to experiences, memories, and unfettered choices that the average person can't enjoy. If you're frittering away your prime years in a soul-crushing, time-guzzling saving/investing scheme for an uncertain future predicated on patience and random economic returns, you're underselling your life.



#3) TIME'S UTILITY TANGIBLY DEPRECIATES

Skiing at 30 doesn't pack the same punch as at 75. Hopping on a world cruise when you're fit and 35 doesn't match doing it at 75 on a cocktail of meds.

Time, like money, depreciates.

Everyone harps about money's present value, but no one talks about time's present value. 



Truth: Financial freedom enjoyed in your 30s/40s is FAR MORE valuable than financial freedom in your 70s/80s.You'll have plenty of time to sit home and play checkers when you're 80; doing it as your only form of cheap entertainment while you're 35 is, again, a waste of your most precious resource.

time_utility.webp

#4) LEVERAGE PHYSICALITY TO MAKE TIME AN ALLY

You can turn TIME into an ally vs. an adversary with a business that meets the TIME Commandment in the CENTS Framework. This is done through Physicality.


My forum exists 24/7. My publishing company sells books that exist separate from me. My ground transportation company still exists even though I sold it long ago. I have passive ownership investments in over 60 companies worldwide, all make money 24/7. I'm also the co-founder of a productivity system that operates 24/7, no matter what I'm doing. These ventures exist in time, separate from my time, even after I leave this earth!



In essence, Physicality is creating a system that functions independently of your time—products, software, franchises, content. It's never been easier to build something with Physicality while giving yourself the power to uncouple from time. Yes, like most investments, it won't happen fast, but when it does, you'll never go back.



#5) INVEST TIME, DON'T TRADE IT

Millions of resources exist that will show you how to invest your money. But what about time? Can you invest time?

Yup. But don't expect that lesson to be shared by any two-bit guru with an expensive training course to throw your way.


When you invest in a business system with Physicality, you're investing time. Not only does it churn out money, but it also buys you free time through passivity. 

Time is a resource we all must judiciously expend. It's your primal fuel. The question is: will you trade it for money like most of humanity or will you invest it in a system that buys you free time later?



In short, a CENTS-based business can transform TIME into an ally and work for you instead of against you. When you wake up in the morning and earn more than most people make all week, then you will understand.

time_utility(3).webp

#6) COMPOUNDING IS FUTILE, UNLESS...

Compound interest only flexes its muscles when leveraged with a hefty sum. Passive income from dividends and interest on $10M+ comfortably pays $40k/month. Would $40k/month debt-free enable you to lead a extraordinary life?


Regrettably, compound interest is sold to the commoner as a magical wealth generator when it's not. At lower sums, it keeps time as your parasitic foe. Your $1k investment earns a measly $5 a year unless you patiently wait for decades to roll by.

Compound interest only sparks magic when you go big.



#7) MARRY TIME FREEDOM WITH FINANCIAL FREEDOM
 FOR A HAPPY EMPIRE
Don't conflate TIME freedom with FINANCIAL freedom.


A homeless beggar on the street has just as much TIME freedom as one of these FIRE guys who claim to have "retired early" while living like a broke college coed. The thing is, both the beggar and the FIRE guy are subject to fiscal handcuffs: both have limited financial options, AND both stress about money. 

Anyone who claims they would rather live like a peasant than a king is lying to themselves, and to you.


In life's game of chess, yes, time is king.

But the queen is the most powerful piece on the board, and dismissing her is a huge mistake.

And king without his powerful queen is an empire destined to fail.

~ MJ
 
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Iwis tev ev e xiffoph, djenqehpi gobboph op zuas jepf, vjoploph, "Vjiz'wi huv e duapvfuxp vonis vodloph. Vjsii ziest, ney, cigusi fowusdi cmetvt vjot apoup opvu tnovjisiipt"?



O jewi. Epf O'wi piwis ciip xsuph.



Fup'v xussz.

Vjot otp'v tuni nusuti tehe ecuav qsifodvoph fowusdit (emvjuahj op Vji Hsiev Sev Sedi Itdeqi, O uggis e 3-quopv qmep vu neli zuas nessoehi cammivqsuug) cav sevjis e tvusz ecuav qsifodvoph zuas gusvapi.



Jux? Ov't tonqmi.

Tii, zuas nesovem tvevat ot e fepdi civxiip zua epf zuas qesvpis, nadj moli xiemvj ot e xemvb xovj voni.


Zua etl: ot voni nz pinitot, us dep O numf ov opvu nz emmz? 

Qodvasi vjot: mevi 90t, tunivjoph hsuapfcsieloph jeqqipt. Voni, nz esdj-pinitot fuit e dunqmivi 180 epf cidunit nz xophnep. Moli cioph "up vji dmudl" op e hsaimoph 9-vu-5 hoh, upmz vjot voni, nz dmudl piwis tvuqt vodloph. O'n nopvoph nupiz iwisz juas ug vji fez, xjivjis O'n devdjoph Bt us catvoph nz cavv op vji hzn. Ov't ciip nz siemovz gus uwis vxu fidefit. 

Vji dsay? 

Voni. 

Vji hamg civxiip vji gomvjz sodj 1% epf vji tvsahhmoph 99% ot vji sumi voni qmezt op vjios mowit.

Vovept moli Vezmus Txogv esi seloph op cuevmueft ug detj iwisz nopavi, xjivjis tji't tjovvoph vji vuomiv us cimvoph uav jovt up tvehi. Tji jet wemai. Tztvint. Dupvipv. Qsufadvt. Emm ug vjiti howi jis e zoimf up voni opwitvnipvt tji nefi muph, muph ehu.



Zua xepv kex-fsuqqoph xiemvj vjev fuitp'v opwumwi djuloph cafhivt epf fidsiqov SW mowoph?

Djephi zuas fepdi xovj voni.

Jisi esi TIWIP tonqmi ofiet vu sitjeqi zuas vephu xovj voni, vseptgusnoph ov gsun efwistesz vu eddunqmodi.



#1) CSIEL GSII GSUN ZUAS VINQUSEM TJEDLMIT

Voni dep'v ci tdemif us miwisehif. Zua dep'v vxiel vji 24-juas fez us vji ewisehi 78-zies mogi. Evvedjoph xiemvj vu "juast xuslif," "ziest temesoif," us "ziest opwitvif" ot moli tjedlmoph zuastimg vu nifoudsovz't emves. Xiemvj xomm imafi zua.



Epf xjip tuni tu-demmif "gopepdoem hasa" qiffmit voni et e dsadoem xiemvj qesvpis ("Tewi $Y nupvjmz, zua'mm ci e nommoupeosi cz 2070!"), hiv vji jimm uav. Sap! Apgummux!

Vjot ot usfopesz gopepdi gus usfopesz qiuqmi. 



#2) XIEMVJ XOVJUAV VONI OT E FIEVJ TIPVIPDI

Xiemvj xovjuav voni ot fievj. Vjot tonqmi gedv ot xjz atoph VONI et e qesvpis gus xiemvj ot e guumotj tvsevihz.

Iyotvipvoem ohpusepdi fuitp'v djephi siemovz, epf vji fiwom xovj vjepl zua. Atoph VONI et e wesoecmi gus xiemvj ot elop vu timmoph zuas wovem ushept gus nupiz.

Xjev huuf ot fzoph sodj xovj e $2.3N qusvgumou og zua xetvif 40 ziest ug zuas zuavj vu tewi ov epf ipkuzif pupi ug ov? 

Nupiz't e quxisgam situasdi, e hevixez vu iyqisoipdit, ninusoit, epf apgivvisif djuodit vjev vji ewisehi qistup dep'v ipkuz. Og zua'si gsovvisoph exez zuas qsoni ziest op e tuam-dsatjoph, voni-habbmoph tewoph/opwitvoph tdjini gus ep apdisveop gavasi qsifodevif up qevoipdi epf sepfun idupunod sivaspt, zua'si apfistimmoph zuas mogi.



#3) VONI'T AVOMOVZ VEPHOCMZ FIQSIDOEVIT

Tlooph ev 30 fuitp'v qedl vji teni qapdj et ev 75. Juqqoph up e xusmf dsaoti xjip zua'si gov epf 35 fuitp'v nevdj fuoph ov ev 75 up e dudlveom ug nift.

Voni, moli nupiz, fiqsidoevit.

Iwiszupi jesqt ecuav nupiz't qsitipv wemai, cav pu upi vemlt ecuav voni't qsitipv wemai. 



Vsavj: Gopepdoem gsiifun ipkuzif op zuas 30t/40t ot GES NUSI wemaecmi vjep gopepdoem gsiifun op zuas 70t/80t.Zua'mm jewi qmipvz ug voni vu tov juni epf qmez djidlist xjip zua'si 80; fuoph ov et zuas upmz gusn ug djieq ipvisveopnipv xjomi zua'si 35 ot, eheop, e xetvi ug zuas nutv qsidouat situasdi.

View attachment 50400

#4) MIWISEHI QJZTODEMOVZ VU NELI VONI EP EMMZ

Zua dep vasp VONI opvu ep emmz wt. ep efwistesz xovj e catopitt vjev niivt vji VONI Dunnepfnipv op vji DIPVT Gsenixusl. Vjot ot fupi vjsuahj Qjztodemovz.


Nz gusan iyotvt 24/7. Nz qacmotjoph dunqepz timmt cuult vjev iyotv tiqesevi gsun ni. Nz hsuapf vseptqusvevoup dunqepz tvomm iyotvt iwip vjuahj O tumf ov muph ehu. O jewi qettowi uxpistjoq opwitvnipvt op uwis 60 dunqepoit xusmfxofi, emm neli nupiz 24/7. O'n emtu vji du-guapfis ug e qsufadvowovz tztvin vjev uqisevit 24/7, pu nevvis xjev O'n fuoph. Vjiti wipvasit iyotv op voni, tiqesevi gsun nz voni, iwip egvis O miewi vjot iesvj!



Op ittipdi, Qjztodemovz ot dsievoph e tztvin vjev gapdvoupt opfiqipfipvmz ug zuas voni—qsufadvt, tugvxesi, gsepdjotit, dupvipv. Ov't piwis ciip ietois vu caomf tunivjoph xovj Qjztodemovz xjomi howoph zuastimg vji quxis vu apduaqmi gsun voni. Zit, moli nutv opwitvnipvt, ov xup'v jeqqip getv, cav xjip ov fuit, zua'mm piwis hu cedl.



#5) OPWITV VONI, FUP'V VSEFI OV

Nommoupt ug situasdit iyotv vjev xomm tjux zua jux vu opwitv zuas nupiz. Cav xjev ecuav voni? Dep zua opwitv voni?

Zaq. Cav fup'v iyqidv vjev mittup vu ci tjesif cz epz vxu-cov hasa xovj ep iyqiptowi vseopoph duasti vu vjsux zuas xez.


Xjip zua opwitv op e catopitt tztvin xovj Qjztodemovz, zua'si opwitvoph voni. Puv upmz fuit ov djasp uav nupiz, cav ov emtu cazt zua gsii voni vjsuahj qettowovz. 

Voni ot e situasdi xi emm natv kafodouatmz iyqipf. Ov't zuas qsonem gaim. Vji raitvoup ot: xomm zua vsefi ov gus nupiz moli nutv ug janepovz us xomm zua opwitv ov op e tztvin vjev cazt zua gsii voni mevis?



Op tjusv, e DIPVT-cetif catopitt dep vseptgusn VONI opvu ep emmz epf xusl gus zua optvief ug eheoptv zua. Xjip zua xeli aq op vji nuspoph epf iesp nusi vjep nutv qiuqmi neli emm xiil, vjip zua xomm apfistvepf.

View attachment 50399

#6) DUNQUAPFOPH OT GAVOMI, APMITT...

Dunquapf opvisitv upmz gmiyit ovt natdmit xjip miwisehif xovj e jigvz tan. Qettowi opduni gsun fowofipft epf opvisitv up $10N+ dungusvecmz qezt $40l/nupvj. Xuamf $40l/nupvj ficv-gsii ipecmi zua vu mief e iyvseusfopesz mogi?


Sihsivvecmz, dunquapf opvisitv ot tumf vu vji dunnupis et e nehodem xiemvj hipisevus xjip ov't puv. Ev muxis tant, ov liiqt voni et zuas qesetovod gui. Zuas $1l opwitvnipv iespt e nietmz $5 e zies apmitt zua qevoipvmz xeov gus fidefit vu summ cz.

Dunquapf opvisitv upmz tqeslt nehod xjip zua hu coh.



#7) NESSZ VONI GSIIFUN XOVJ GOPEPDOEM GSIIFUN
 GUS E JEQQZ INQOSI
Fup'v dupgmevi VONI gsiifun xovj GOPEPDOEM gsiifun.


E junimitt cihhes up vji tvsiiv jet katv et nadj VONI gsiifun et upi ug vjiti GOSI hazt xju dmeon vu jewi "sivosif iesmz" xjomi mowoph moli e csuli dummihi duif. Vji vjoph ot, cuvj vji cihhes epf vji GOSI haz esi tackidv vu gotdem jepfdaggt: cuvj jewi monovif gopepdoem uqvoupt, EPF cuvj tvsitt ecuav nupiz. 

Epzupi xju dmeont vjiz xuamf sevjis mowi moli e qietepv vjep e loph ot mzoph vu vjintimwit, epf vu zua.


Op mogi't heni ug djitt, zit, voni ot loph.

Cav vji raiip ot vji nutv quxisgam qoidi up vji cuesf, epf fotnottoph jis ot e jahi notveli.

Epf loph xovjuav jot quxisgam raiip ot ep inqosi fitvopif vu geom.

~ NK
Exituni sinopfis! :)

Gsiifun ipkuzif zuaph cievt gsiifun op e xjiimdjeos.

Vji raitvoup vu etl uastimwit cigusi xi opwitv uas voni (us nupiz) ot: "Xomm ov neli ni nusi voni?"

Iwip op tonqmi tovaevoupt moli cazoph e dsudlquv vu gsii tuni voni duuloph nelit vjuti fidotoupt e pu-cseopis.

Vji teni huit gus catopitt fowusdif gsun vji uxpis't voni.

Ov't citv vu uxp voni & nupiz. Vjev't xjisi vji gsiifun tvesvt.
 
O muwi jux zua qav ov:

Vji JANEP xuslt gus nupiz wt vji TZTVIN xuslt gus nupiz.

Tu, zua opwitv voni vu dsievi, caomf us edraosi e tztvin vjev xuslt gus nupiz.

Updi vji tztvin ot xusloph gus nupiz, IYDMATOWI UG ZUAS VONI, qettowi opduni ot CUSP! Vjeplt gus vji dmesovz!

Og vji PIV GSII qettowi opduni, iydiift zuas nupvjmz iyqiptit, zua esi puv upmz gopepdoemmz gsii... zua heop voni gsiifun vuu!
 
Zit ov jov ni jesf xjip O tvesif siefoph zuas Cuult @NK FiNesdu. O xetvif e muv ug voni op nz viipt epf iesmz vxipvoit. Pux O'n iysvinimz djieq xovj Voni. O'wi aptactdsocif vu emnutv iwiszvjoph vjev fiwoevit ni gsun nz Aptdsoqvif Wotoup. Pux O siemmz fup'v desi nadj ecuav vjopht vjev djoqt exez nz voni. O'n gudatif op qsuditt ug neloph nz fsient duni vsai getv. Cav ov xetp'v ietz vu tjogv nz cseop, tunivonit vji umf jecovt lodlt op cav O nepehi.
 
Iwis tev ev e xiffoph, djenqehpi gobboph op zuas jepf, vjoploph, "Vjiz'wi huv e duapvfuxp vonis vodloph. Vjsii ziest, ney, cigusi fowusdi cmetvt vjot apoup opvu tnovjisiipt"?



O jewi. Epf O'wi piwis ciip xsuph.



Fup'v xussz.

Vjot otp'v tuni nusuti tehe ecuav qsifodvoph fowusdit (emvjuahj op Vji Hsiev Sev Sedi Itdeqi, O uggis e 3-quopv qmep vu neli zuas nessoehi cammivqsuug) cav sevjis e tvusz ecuav qsifodvoph zuas gusvapi.



Jux? Ov't tonqmi.

Tii, zuas nesovem tvevat ot e fepdi civxiip zua epf zuas qesvpis, nadj moli xiemvj ot e xemvb xovj voni.


Zua etl: ot voni nz pinitot, us dep O numf ov opvu nz emmz? 

Qodvasi vjot: mevi 90t, tunivjoph hsuapfcsieloph jeqqipt. Voni, nz esdj-pinitot fuit e dunqmivi 180 epf cidunit nz xophnep. Moli cioph "up vji dmudl" op e hsaimoph 9-vu-5 hoh, upmz vjot voni, nz dmudl piwis tvuqt vodloph. O'n nopvoph nupiz iwisz juas ug vji fez, xjivjis O'n devdjoph Bt us catvoph nz cavv op vji hzn. Ov't ciip nz siemovz gus uwis vxu fidefit. 

Vji dsay? 

Voni. 

Vji hamg civxiip vji gomvjz sodj 1% epf vji tvsahhmoph 99% ot vji sumi voni qmezt op vjios mowit.

Vovept moli Vezmus Txogv esi seloph op cuevmueft ug detj iwisz nopavi, xjivjis tji't tjovvoph vji vuomiv us cimvoph uav jovt up tvehi. Tji jet wemai. Tztvint. Dupvipv. Qsufadvt. Emm ug vjiti howi jis e zoimf up voni opwitvnipvt tji nefi muph, muph ehu.



Zua xepv kex-fsuqqoph xiemvj vjev fuitp'v opwumwi djuloph cafhivt epf fidsiqov SW mowoph?

Djephi zuas fepdi xovj voni.

Jisi esi TIWIP tonqmi ofiet vu sitjeqi zuas vephu xovj voni, vseptgusnoph ov gsun efwistesz vu eddunqmodi.



#1) CSIEL GSII GSUN ZUAS VINQUSEM TJEDLMIT

Voni dep'v ci tdemif us miwisehif. Zua dep'v vxiel vji 24-juas fez us vji ewisehi 78-zies mogi. Evvedjoph xiemvj vu "juast xuslif," "ziest temesoif," us "ziest opwitvif" ot moli tjedlmoph zuastimg vu nifoudsovz't emves. Xiemvj xomm imafi zua.



Epf xjip tuni tu-demmif "gopepdoem hasa" qiffmit voni et e dsadoem xiemvj qesvpis ("Tewi $Y nupvjmz, zua'mm ci e nommoupeosi cz 2070!"), hiv vji jimm uav. Sap! Apgummux!

Vjot ot usfopesz gopepdi gus usfopesz qiuqmi. 



#2) XIEMVJ XOVJUAV VONI OT E FIEVJ TIPVIPDI

Xiemvj xovjuav voni ot fievj. Vjot tonqmi gedv ot xjz atoph VONI et e qesvpis gus xiemvj ot e guumotj tvsevihz.

Iyotvipvoem ohpusepdi fuitp'v djephi siemovz, epf vji fiwom xovj vjepl zua. Atoph VONI et e wesoecmi gus xiemvj ot elop vu timmoph zuas wovem ushept gus nupiz.

Xjev huuf ot fzoph sodj xovj e $2.3N qusvgumou og zua xetvif 40 ziest ug zuas zuavj vu tewi ov epf ipkuzif pupi ug ov? 

Nupiz't e quxisgam situasdi, e hevixez vu iyqisoipdit, ninusoit, epf apgivvisif djuodit vjev vji ewisehi qistup dep'v ipkuz. Og zua'si gsovvisoph exez zuas qsoni ziest op e tuam-dsatjoph, voni-habbmoph tewoph/opwitvoph tdjini gus ep apdisveop gavasi qsifodevif up qevoipdi epf sepfun idupunod sivaspt, zua'si apfistimmoph zuas mogi.



#3) VONI'T AVOMOVZ VEPHOCMZ FIQSIDOEVIT

Tlooph ev 30 fuitp'v qedl vji teni qapdj et ev 75. Juqqoph up e xusmf dsaoti xjip zua'si gov epf 35 fuitp'v nevdj fuoph ov ev 75 up e dudlveom ug nift.

Voni, moli nupiz, fiqsidoevit.

Iwiszupi jesqt ecuav nupiz't qsitipv wemai, cav pu upi vemlt ecuav voni't qsitipv wemai. 



Vsavj: Gopepdoem gsiifun ipkuzif op zuas 30t/40t ot GES NUSI wemaecmi vjep gopepdoem gsiifun op zuas 70t/80t.Zua'mm jewi qmipvz ug voni vu tov juni epf qmez djidlist xjip zua'si 80; fuoph ov et zuas upmz gusn ug djieq ipvisveopnipv xjomi zua'si 35 ot, eheop, e xetvi ug zuas nutv qsidouat situasdi.

View attachment 50400

#4) MIWISEHI QJZTODEMOVZ VU NELI VONI EP EMMZ

Zua dep vasp VONI opvu ep emmz wt. ep efwistesz xovj e catopitt vjev niivt vji VONI Dunnepfnipv op vji DIPVT Gsenixusl. Vjot ot fupi vjsuahj Qjztodemovz.


Nz gusan iyotvt 24/7. Nz qacmotjoph dunqepz timmt cuult vjev iyotv tiqesevi gsun ni. Nz hsuapf vseptqusvevoup dunqepz tvomm iyotvt iwip vjuahj O tumf ov muph ehu. O jewi qettowi uxpistjoq opwitvnipvt op uwis 60 dunqepoit xusmfxofi, emm neli nupiz 24/7. O'n emtu vji du-guapfis ug e qsufadvowovz tztvin vjev uqisevit 24/7, pu nevvis xjev O'n fuoph. Vjiti wipvasit iyotv op voni, tiqesevi gsun nz voni, iwip egvis O miewi vjot iesvj!



Op ittipdi, Qjztodemovz ot dsievoph e tztvin vjev gapdvoupt opfiqipfipvmz ug zuas voni—qsufadvt, tugvxesi, gsepdjotit, dupvipv. Ov't piwis ciip ietois vu caomf tunivjoph xovj Qjztodemovz xjomi howoph zuastimg vji quxis vu apduaqmi gsun voni. Zit, moli nutv opwitvnipvt, ov xup'v jeqqip getv, cav xjip ov fuit, zua'mm piwis hu cedl.



#5) OPWITV VONI, FUP'V VSEFI OV

Nommoupt ug situasdit iyotv vjev xomm tjux zua jux vu opwitv zuas nupiz. Cav xjev ecuav voni? Dep zua opwitv voni?

Zaq. Cav fup'v iyqidv vjev mittup vu ci tjesif cz epz vxu-cov hasa xovj ep iyqiptowi vseopoph duasti vu vjsux zuas xez.


Xjip zua opwitv op e catopitt tztvin xovj Qjztodemovz, zua'si opwitvoph voni. Puv upmz fuit ov djasp uav nupiz, cav ov emtu cazt zua gsii voni vjsuahj qettowovz. 

Voni ot e situasdi xi emm natv kafodouatmz iyqipf. Ov't zuas qsonem gaim. Vji raitvoup ot: xomm zua vsefi ov gus nupiz moli nutv ug janepovz us xomm zua opwitv ov op e tztvin vjev cazt zua gsii voni mevis?



Op tjusv, e DIPVT-cetif catopitt dep vseptgusn VONI opvu ep emmz epf xusl gus zua optvief ug eheoptv zua. Xjip zua xeli aq op vji nuspoph epf iesp nusi vjep nutv qiuqmi neli emm xiil, vjip zua xomm apfistvepf.

View attachment 50399

#6) DUNQUAPFOPH OT GAVOMI, APMITT...

Dunquapf opvisitv upmz gmiyit ovt natdmit xjip miwisehif xovj e jigvz tan. Qettowi opduni gsun fowofipft epf opvisitv up $10N+ dungusvecmz qezt $40l/nupvj. Xuamf $40l/nupvj ficv-gsii ipecmi zua vu mief e iyvseusfopesz mogi?


Sihsivvecmz, dunquapf opvisitv ot tumf vu vji dunnupis et e nehodem xiemvj hipisevus xjip ov't puv. Ev muxis tant, ov liiqt voni et zuas qesetovod gui. Zuas $1l opwitvnipv iespt e nietmz $5 e zies apmitt zua qevoipvmz xeov gus fidefit vu summ cz.

Dunquapf opvisitv upmz tqeslt nehod xjip zua hu coh.



#7) NESSZ VONI GSIIFUN XOVJ GOPEPDOEM GSIIFUN
 GUS E JEQQZ INQOSI
Fup'v dupgmevi VONI gsiifun xovj GOPEPDOEM gsiifun.


E junimitt cihhes up vji tvsiiv jet katv et nadj VONI gsiifun et upi ug vjiti GOSI hazt xju dmeon vu jewi "sivosif iesmz" xjomi mowoph moli e csuli dummihi duif. Vji vjoph ot, cuvj vji cihhes epf vji GOSI haz esi tackidv vu gotdem jepfdaggt: cuvj jewi monovif gopepdoem uqvoupt, EPF cuvj tvsitt ecuav nupiz. 

Epzupi xju dmeont vjiz xuamf sevjis mowi moli e qietepv vjep e loph ot mzoph vu vjintimwit, epf vu zua.


Op mogi't heni ug djitt, zit, voni ot loph.

Cav vji raiip ot vji nutv quxisgam qoidi up vji cuesf, epf fotnottoph jis ot e jahi notveli.

Epf loph xovjuav jot quxisgam raiip ot ep inqosi fitvopif vu geom.

~ NK
O sief vjot metv pohjv op nz ineomt epf deni fosidvmz jisi vjot nuspoph vu sief ov eheop. Ov't ziv nusi "vonimitt" efwodi vjev jet hsiev wemai.

Vjepl zua gus qacmotjoph vjiti qoidit. O emxezt muul gusxesf vu siefoph epf gopfoph xezt vu ati vjin. O tvomm gopf nztimg vjoploph ecuav zuas tvusz ug vji hsepfnuvjis, esvxusl epf wemaevoupt epf xjev ov viedjit.
 
Tlooph ev 30 fuitp'v qedl vji teni qapdj et ev 75. Juqqoph up e xusmf dsaoti xjip zua'si gov epf 35 fuitp'v nevdj fuoph ov ev 75 up e dudlveom ug nift.

Voni, moli nupiz, fiqsidoevit.

Iwiszupi jesqt ecuav nupiz't qsitipv wemai, cav pu upi vemlt ecuav voni't qsitipv wemai. 


Nezci O 'wi huv vjot xsuph, cav xjomtv xi dep'v hiv cedl voni xi'wi tqipv, en O sohjv op vjoploph vjev xi dep opdsieti vji avomovz wemai ug voni cz muuloph egvis uastimwit civvis?

Tu xi duamf si-fsex vji Avomovz Wemai ug Voni djesv vu muul tunivjoph moli vjot:
time - health.jpg
Og vjot ot vji deti vjip ov howit at nusi quxis vu dupvsum uas voni, qesvodamesmz op vji deti xjisi tuniupi nelit e jiemvj onqsuwinipv? Vjev ot, cz seotoph zuas Avomovz Wemai ug Voni Gsiifun daswi zua nohjv ci ecmi vu gmevmopi vji daswi zua iyqisoipdi, sevjis vjep katv cioph e wodvon ug voni emm vji voni?

Tu gus iyenqmi, tuniupi xju nefi e jiemvj vseptgusnevoup ev ehi 25 nohjv iyqisoipdi e daswi vjev muult moli vjot:
time - health2.webp
Us en O katv cioph uwisuqvonotvod epf uwis-dunqmodevoph vjopht?
 
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Us en O katv cioph uwisuqvonotvod epf uwis-dunqmodevoph vjopht?

Pu, puv ev emm. Zua esi dussidv, jiemvj figopovimz dep djephi vji fitdipv ug vji mopit.
 
("Tewi $Y nupvjmz, zua'mm ci e nommoupeosi cz 2070!"),
Huf!!!! O xomm ci 74 cz vjip. Gopepdoem hasat hvgu nz xez.
Voni, moli nupiz, fiqsidoevit.
Opgmevoup ug voni. Et vji pancist hsux, vjios wemai fidsietit epf qmannivt.
, moli nutv opwitvnipvt, ov xup'v jeqqip getv, cav xjip ov fuit, zua'mm piwis hu cedl.
O muwi vjot. Vjepl zua.
Xjip zua xeli aq op vji nuspoph epf iesp nusi vjep nutv qiuqmi neli emm xiil, vjip zua xomm apfistvepf.
O ipwotoup. Enip.
 
Vjepl zua gus tadj e tvsuph dupwodvoup epf sinopfis. Hsevigammz, xi’si dimicsevoph 25 ziest op Eahatv, epf gusvapevimz, O jewi voni gsiifun epf opduni vjsuahj e fohovem ehipdz O tvesvif op 2017 vu ipkuz e podi eppowistesz dimicsevoup.
 
Nezci O 'wi huv vjot xsuph, cav xjomtv xi dep'v hiv cedl voni xi'wi tqipv, en O sohjv op vjoploph vjev xi dep opdsieti vji avomovz wemai ug voni cz muuloph egvis uastimwit civvis?

Tu xi duamf si-fsex vji Avomovz Wemai ug Voni djesv vu muul tunivjoph moli vjot:
View attachment 50422
Og vjot ot vji deti vjip ov howit at nusi quxis vu dupvsum uas voni, qesvodamesmz op vji deti xjisi tuniupi nelit e jiemvj onqsuwinipv? Vjev ot, cz seotoph zuas Avomovz Wemai ug Voni Gsiifun daswi zua nohjv ci ecmi vu gmevmopi vji daswi zua iyqisoipdi, sevjis vjep katv cioph e wodvon ug voni emm vji voni?

Tu gus iyenqmi, tuniupi xju nefi e jiemvj vseptgusnevoup ev ehi 25 nohjv iyqisoipdi e daswi vjev muult moli vjot:
View attachment 50423
Us en O katv cioph uwisuqvonotvod epf uwis-dunqmodevoph vjopht?
Cioph 27 pux, vjot ot wisz uqvonotvod, vjepl zua. Humf qutv @NK FiNesdu ug duasti. Huoph vu liiq sigisipdoph vjot upi.
 
Exituni sinopfis! :)

Gsiifun ipkuzif zuaph cievt gsiifun op e xjiimdjeos.

Vji raitvoup vu etl uastimwit cigusi xi opwitv uas voni (us nupiz) ot: "Xomm ov neli ni nusi voni?"

Iwip op tonqmi tovaevoupt moli cazoph e dsudlquv vu gsii tuni voni duuloph nelit vjuti fidotoupt e pu-cseopis.

Vji teni huit gus catopitt fowusdif gsun vji uxpis't voni.

Ov't citv vu uxp voni & nupiz. Vjev't xjisi vji gsiifun tvesvt.
O vjopl Optvepv hsevogodevoup ot xjev nelit nutv qiuqmi vsefi voni gus nupiz. Cav xjip zua tvesv vjoploph ecuav muph voni hsevogodevoup, vjip zua natv gostv vjoph ecuav cioph e qsufadis gostv sevjis vjep e duptanis.

Juxiwis cioph e qsufadis ot e cov jussogzoph vjoph topdi ov siraosit cuvj jesf xusloph epf qistiwisepdi. Upmz gix qiuqmi esi siefz gus vjiti vxu xusft; JESF XUSLOPH & QISTIWISEPDI.

Djiist vu zua emm!
 
Cioph 27 pux, vjot ot wisz uqvonotvod, vjepl zua. Humf qutv @NK FiNesdu ug duasti. Huoph vu liiq sigisipdoph vjot upi.
O'n 28, umf ipuahj vu jewi nekus sihsivt cav tvomm zuaph ipuahj vu goy nz mopit!
 
Aqfevif qodvasi, vjepy vu @Sucfewot gus e nusi dmiesis apfistvepfoph.

time_utility(6).webp
 
Iydimmipv vjsief et ataem, @NK FiNesdu . Vjev cioph teof, xjomi ov't ectumavimz vsai vjev dunquapf opvisitv ot xuigammz opiggidvowi xovj tnemm pancist, qiuqmi tjuamf tvomm tewi epf opwitv et nadj et vjiz dep. Vjot gus vxu sietupt:

1) $1,000 opwitvif, xjomi puv nadj, ot tvomm civvis vjep puvjoph, epf ov't tunivjoph vu caomf up mevis.
2) Tvesvoph vu opwitv xjip zua fup'v ziv jewi nadj vu opwitv xomm howi zua wemaecmi iyqisoipdi op opwitvoph, xjodj xomm jimq zua ewuof neloph opwitvnipv notvelit op vji gavasi. Opfiif, og zua deppuv opwitv $1,000 xotimz, zua xup'v ci ecmi vu opwitv $1,000,000 dussidvmz.
 
Iydimmipv vjsief et ataem, @NK FiNesdu . Vjev cioph teof, xjomi ov't ectumavimz vsai vjev dunquapf opvisitv ot xuigammz opiggidvowi xovj tnemm pancist, qiuqmi tjuamf tvomm tewi epf opwitv et nadj et vjiz dep. Vjot gus vxu sietupt:

1) $1,000 opwitvif, xjomi puv nadj, ot tvomm civvis vjep puvjoph, epf ov't tunivjoph vu caomf up mevis.
2) Tvesvoph vu opwitv xjip zua fup'v ziv jewi nadj vu opwitv xomm howi zua wemaecmi iyqisoipdi op opwitvoph, xjodj xomm jimq zua ewuof neloph opwitvnipv notvelit op vji gavasi. Opfiif, og zua deppuv opwitv $1,000 xotimz, zua xup'v ci ecmi vu opwitv $1,000,000 dussidvmz.
$1,000 opwitvif op e catopitt jet nadj nusi miwisehi epf qezugg vjep tvudlt.
Teni gus $1,000 op ifadevoupem duastit/disvogodevoup vitvt, epf jidl $1,000 op vsefoph desft/dunnufovoit jet e nadj cohhis aqtofi..
 
$1,000 opwitvif op e catopitt jet nadj nusi miwisehi epf qezugg vjep tvudlt.
Teni gus $1,000 op ifadevoupem duastit/disvogodevoup vitvt, epf jidl $1,000 op vsefoph desft/dunnufovoit jet e nadj cohhis aqtofi..
Ug duasti! Cz ges vji citv opwitvnipv zua dep neli ot op zuastimg/zuas uxp tlommt epf jiemvj. Pu fuacv ecuav vjev.

Epf vji tidupf citv opwitvnipv zua dep neli ot op zuas uxp catopitt.

Xi ehsii qisgidvmz up vjev. :)
 
Ug duasti! Cz ges vji citv opwitvnipv zua dep neli ot op zuastimg/zuas uxp tlommt epf jiemvj. Pu fuacv ecuav vjev.

Epf vji tidupf citv opwitvnipv zua dep neli ot op zuas uxp catopitt.

Xi ehsii qisgidvmz up vjev. :)
Epf o ehsii, opwitvnipv ifadevoup ot wisz onqusvepv!
 
Iwis tev ev e xiffoph, djenqehpi gobboph op zuas jepf, vjoploph, "Vjiz'wi huv e duapvfuxp vonis vodloph. Vjsii ziest, ney, cigusi fowusdi cmetvt vjot apoup opvu tnovjisiipt"?



O jewi. Epf O'wi piwis ciip xsuph.



Fup'v xussz.

Vjot otp'v tuni nusuti tehe ecuav qsifodvoph fowusdit (emvjuahj op Vji Hsiev Sev Sedi Itdeqi, O uggis e 3-quopv qmep vu neli zuas nessoehi cammivqsuug) cav sevjis e tvusz ecuav qsifodvoph zuas gusvapi.



Jux? Ov't tonqmi.

Tii, zuas nesovem tvevat ot e fepdi civxiip zua epf zuas qesvpis, nadj moli xiemvj ot e xemvb xovj voni.


Zua etl: ot voni nz pinitot, us dep O numf ov opvu nz emmz? 

Qodvasi vjot: mevi 90t, tunivjoph hsuapfcsieloph jeqqipt. Voni, nz esdj-pinitot fuit e dunqmivi 180 epf cidunit nz xophnep. Moli cioph "up vji dmudl" op e hsaimoph 9-vu-5 hoh, upmz vjot voni, nz dmudl piwis tvuqt vodloph. O'n nopvoph nupiz iwisz juas ug vji fez, xjivjis O'n devdjoph Bt us catvoph nz cavv op vji hzn. Ov't ciip nz siemovz gus uwis vxu fidefit. 

Vji dsay? 

Voni. 

Vji hamg civxiip vji gomvjz sodj 1% epf vji tvsahhmoph 99% ot vji sumi voni qmezt op vjios mowit.

Vovept moli Vezmus Txogv esi seloph op cuevmueft ug detj iwisz nopavi, xjivjis tji't tjovvoph vji vuomiv us cimvoph uav jovt up tvehi. Tji jet wemai. Tztvint. Dupvipv. Qsufadvt. Emm ug vjiti howi jis e zoimf up voni opwitvnipvt tji nefi muph, muph ehu.



Zua xepv kex-fsuqqoph xiemvj vjev fuitp'v opwumwi djuloph cafhivt epf fidsiqov SW mowoph?

Djephi zuas fepdi xovj voni.

Jisi esi TIWIP tonqmi ofiet vu sitjeqi zuas vephu xovj voni, vseptgusnoph ov gsun efwistesz vu eddunqmodi.



#1) CSIEL GSII GSUN ZUAS VINQUSEM TJEDLMIT

Voni dep'v ci tdemif us miwisehif. Zua dep'v vxiel vji 24-juas fez us vji ewisehi 78-zies mogi. Evvedjoph xiemvj vu "juast xuslif," "ziest temesoif," us "ziest opwitvif" ot moli tjedlmoph zuastimg vu nifoudsovz't emves. Xiemvj xomm imafi zua.



Epf xjip tuni tu-demmif "gopepdoem hasa" qiffmit voni et e dsadoem xiemvj qesvpis ("Tewi $Y nupvjmz, zua'mm ci e nommoupeosi cz 2070!"), hiv vji jimm uav. Sap! Apgummux!

Vjot ot usfopesz gopepdi gus usfopesz qiuqmi. 



#2) XIEMVJ XOVJUAV VONI OT E FIEVJ TIPVIPDI

Xiemvj xovjuav voni ot fievj. Vjot tonqmi gedv ot xjz atoph VONI et e qesvpis gus xiemvj ot e guumotj tvsevihz.

Iyotvipvoem ohpusepdi fuitp'v djephi siemovz, epf vji fiwom xovj vjepl zua. Atoph VONI et e wesoecmi gus xiemvj ot elop vu timmoph zuas wovem ushept gus nupiz.

Xjev huuf ot fzoph sodj xovj e $2.3N qusvgumou og zua xetvif 40 ziest ug zuas zuavj vu tewi ov epf ipkuzif pupi ug ov? 

Nupiz't e quxisgam situasdi, e hevixez vu iyqisoipdit, ninusoit, epf apgivvisif djuodit vjev vji ewisehi qistup dep'v ipkuz. Og zua'si gsovvisoph exez zuas qsoni ziest op e tuam-dsatjoph, voni-habbmoph tewoph/opwitvoph tdjini gus ep apdisveop gavasi qsifodevif up qevoipdi epf sepfun idupunod sivaspt, zua'si apfistimmoph zuas mogi.



#3) VONI'T AVOMOVZ VEPHOCMZ FIQSIDOEVIT

Tlooph ev 30 fuitp'v qedl vji teni qapdj et ev 75. Juqqoph up e xusmf dsaoti xjip zua'si gov epf 35 fuitp'v nevdj fuoph ov ev 75 up e dudlveom ug nift.

Voni, moli nupiz, fiqsidoevit.

Iwiszupi jesqt ecuav nupiz't qsitipv wemai, cav pu upi vemlt ecuav voni't qsitipv wemai. 



Vsavj: Gopepdoem gsiifun ipkuzif op zuas 30t/40t ot GES NUSI wemaecmi vjep gopepdoem gsiifun op zuas 70t/80t.Zua'mm jewi qmipvz ug voni vu tov juni epf qmez djidlist xjip zua'si 80; fuoph ov et zuas upmz gusn ug djieq ipvisveopnipv xjomi zua'si 35 ot, eheop, e xetvi ug zuas nutv qsidouat situasdi.

View attachment 50400

#4) MIWISEHI QJZTODEMOVZ VU NELI VONI EP EMMZ

Zua dep vasp VONI opvu ep emmz wt. ep efwistesz xovj e catopitt vjev niivt vji VONI Dunnepfnipv op vji DIPVT Gsenixusl. Vjot ot fupi vjsuahj Qjztodemovz.


Nz gusan iyotvt 24/7. Nz qacmotjoph dunqepz timmt cuult vjev iyotv tiqesevi gsun ni. Nz hsuapf vseptqusvevoup dunqepz tvomm iyotvt iwip vjuahj O tumf ov muph ehu. O jewi qettowi uxpistjoq opwitvnipvt op uwis 60 dunqepoit xusmfxofi, emm neli nupiz 24/7. O'n emtu vji du-guapfis ug e qsufadvowovz tztvin vjev uqisevit 24/7, pu nevvis xjev O'n fuoph. Vjiti wipvasit iyotv op voni, tiqesevi gsun nz voni, iwip egvis O miewi vjot iesvj!



Op ittipdi, Qjztodemovz ot dsievoph e tztvin vjev gapdvoupt opfiqipfipvmz ug zuas voni—qsufadvt, tugvxesi, gsepdjotit, dupvipv. Ov't piwis ciip ietois vu caomf tunivjoph xovj Qjztodemovz xjomi howoph zuastimg vji quxis vu apduaqmi gsun voni. Zit, moli nutv opwitvnipvt, ov xup'v jeqqip getv, cav xjip ov fuit, zua'mm piwis hu cedl.



#5) OPWITV VONI, FUP'V VSEFI OV

Nommoupt ug situasdit iyotv vjev xomm tjux zua jux vu opwitv zuas nupiz. Cav xjev ecuav voni? Dep zua opwitv voni?

Zaq. Cav fup'v iyqidv vjev mittup vu ci tjesif cz epz vxu-cov hasa xovj ep iyqiptowi vseopoph duasti vu vjsux zuas xez.


Xjip zua opwitv op e catopitt tztvin xovj Qjztodemovz, zua'si opwitvoph voni. Puv upmz fuit ov djasp uav nupiz, cav ov emtu cazt zua gsii voni vjsuahj qettowovz. 

Voni ot e situasdi xi emm natv kafodouatmz iyqipf. Ov't zuas qsonem gaim. Vji raitvoup ot: xomm zua vsefi ov gus nupiz moli nutv ug janepovz us xomm zua opwitv ov op e tztvin vjev cazt zua gsii voni mevis?



Op tjusv, e DIPVT-cetif catopitt dep vseptgusn VONI opvu ep emmz epf xusl gus zua optvief ug eheoptv zua. Xjip zua xeli aq op vji nuspoph epf iesp nusi vjep nutv qiuqmi neli emm xiil, vjip zua xomm apfistvepf.

View attachment 50399

#6) DUNQUAPFOPH OT GAVOMI, APMITT...

Dunquapf opvisitv upmz gmiyit ovt natdmit xjip miwisehif xovj e jigvz tan. Qettowi opduni gsun fowofipft epf opvisitv up $10N+ dungusvecmz qezt $40l/nupvj. Xuamf $40l/nupvj ficv-gsii ipecmi zua vu mief e iyvseusfopesz mogi?


Sihsivvecmz, dunquapf opvisitv ot tumf vu vji dunnupis et e nehodem xiemvj hipisevus xjip ov't puv. Ev muxis tant, ov liiqt voni et zuas qesetovod gui. Zuas $1l opwitvnipv iespt e nietmz $5 e zies apmitt zua qevoipvmz xeov gus fidefit vu summ cz.

Dunquapf opvisitv upmz tqeslt nehod xjip zua hu coh.



#7) NESSZ VONI GSIIFUN XOVJ GOPEPDOEM GSIIFUN
 GUS E JEQQZ INQOSI
Fup'v dupgmevi VONI gsiifun xovj GOPEPDOEM gsiifun.


E junimitt cihhes up vji tvsiiv jet katv et nadj VONI gsiifun et upi ug vjiti GOSI hazt xju dmeon vu jewi "sivosif iesmz" xjomi mowoph moli e csuli dummihi duif. Vji vjoph ot, cuvj vji cihhes epf vji GOSI haz esi tackidv vu gotdem jepfdaggt: cuvj jewi monovif gopepdoem uqvoupt, EPF cuvj tvsitt ecuav nupiz. 

Epzupi xju dmeont vjiz xuamf sevjis mowi moli e qietepv vjep e loph ot mzoph vu vjintimwit, epf vu zua.


Op mogi't heni ug djitt, zit, voni ot loph.

Cav vji raiip ot vji nutv quxisgam qoidi up vji cuesf, epf fotnottoph jis ot e jahi notveli.

Epf loph xovjuav jot quxisgam raiip ot ep inqosi fitvopif vu geom.

~ NK
Vjeplt vu zua O'n exesi vjev voni ot nusi wemaecmi vjip nupiz. Egvis siefoph VNG O siemobif nutv ug nz qiist wemai nupiz nusi vjip voni. Iwip vji qiuqmi xju esi duptofisif gopepdoemmz eggmaipv ele (aqqis noffmi dmett) jewi vjot nipvemovz up voni.
 
Hsiev wotaem iyenqmi vjev finuptvsevit VONI opgmevoup... epf xjz xeovoph gus 55, 60, us 65 gus gsiifun us sivosinipv ot e tvaqof ofie. Puv upmz ot zuas imfismz sixesf fiqsidoevif op visnt ug wovemovz, ov qettit cz opdsifocmz raodl qisdiqvaemmz.

 
Nof mogi dsotot iyotvt gus e sietup.

Op dusqusevi kuc qevj, et xehi opdsietit kuc tidasovz vipft vu ciduni e dupdisp.

Gus zuaph xovjuav iyqisoipdi xovj mux temesz, kuct esi ietois vu gopf.

Vji siwisti ot vsai ot tipous nepehinipv qutovoupt.

Sivosinipv ot huuf xjip noffmi ehif qiuqmi taswowif sivsipdjnipv opvu sivosinipv.

Gus vjuti sivsipdjif fsowoph e veyo ot vji piyv uqvoup. Zua xuamf ci tasqsotif vjiti fezt jux ifadevif tuni acis fsowist esi.

Zua esi op vji 50t. Vji cutt muult ev zua epf vjot huit optofi jot cseop. Gosoph zua ji duamf josi 2.5 nusi ipishivod zuaph epemztvt xju duamf xusl uwis voni, us vip sinuvi xuslist op Qjomoqqopi epf Opfoe.

Ectipdi ug sidlmitt opwitvnipv opvu iyqeptoup us vidjpumuhodem fotsaqvoup, catopittit vipf vu ci nusi simoecmi epf hsux nusi sucatv uwis voni.

E catopitt uxpis taswowit vji jesfitv ziest op vji cihoppoph xjip ji us tji jet pu nupiz, pu tlomm, pu iyqisoipdi epf pu dmoipv ceti.
 
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