Year End Thought Exercise: 10 Questions to Ask about This Year

[MJ DeMarco]

How many of us here self-reflect on the year?

The year end/beginning marks the line between what was and what could be.

Here are some questions that can help you assess how your year went.

Simply copy and answer, let us know how things went. I'll start!!

1. What was your biggest triumph? Was there several, or none? Why?
2. What was your biggest struggle? Did you overcome it? If not, how can you change it?
3. What new habits did your form, if any?
4. Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
5. Are you better off physically and mentally? What worked, or went off the rails?
6. Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
7. Did you learn anything new? Why or why not?
8. How have the relationships in your life evolved? Improved? Worsened?
9. What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
10. What small joys or moments made your days brighter?

My answers...

What was your biggest triumph? Was there several, or none? Why?
Many small triumphs, like learning how to play piano, elevating my health/fitness/wellness, and structuring a new book that I am absolutely excited about writing, and finishing. Oh, transforming this forum into a private community as well!

What was your biggest struggle? Did you overcome it? If not, how can you change it?
Doing the work when things get hard, or when "I don't feel like it" -- accept the hardship, knowing it delivers ease.

What new habits did your form, if any?
Yes, I drink a daily health cocktail that doesn't taste well, I practice piano 4-5X a week, and I joined a gym (despite having my own home gym) I'm more regular at the gym and also created jump rope habit.

Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
Yes, I continued my 24 year winning streak of improved net worth. However, my energies have largely transitioned to health interests so this is not so much a large concern.

Are you better off physically and mentally? What worked, or went off the rails?
Yes, I've eliminated sugar from my life as well as most processed food. The piano is considered a cognitive exercise. I put on a lot of muscle and reduced bodyfat, returned to my youthful days in my late 20s where I can fit into size 31/32 jeans.

Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
No regrets other than I wish it didn't take me so long to publish new books.

Did you learn anything new? Why or why not?
Yes, see above.

How have the relationships in your life evolved? Improved? Worsened?
The three most important relationships in my life have improved ... I need to work on my relationships that are on the periphery.

What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
Anger: Social media and news. This was another triumph not listed above as I largely have exorcised all social media and news from my life. The news I hear tends to flow through here, through my stock market trading platform, or through 1440 newsletter.

Disappointing? Sadness? Hearing people in my life complain about their deteriorating health in their 40s/50s as they treat themselves with 5 medications and yet, refuse to change any of the crap they put in their mouth. You can't eat anything you want —whenever you want— without severe consequences.

Guilt: I need to learn how to just take a break without feeling guilty about not being here at the forum, or advancing on a writing project.

What small joys or moments made your days brighter?
Deep discussions with my wife. Petting the dog, walking the dog in nature. A walk through the cemetery to embrace the shortness of life. Watching my stepson evolve as a wonderful human being.

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[Kevin88660]

What was your biggest triumph? Was there several, or none? Why?
No way near financial freedom but 2024 will be the year I pay the highest personal tax ever. Last quarter I am making more than My Dad’ last drawn pay before he retired as an very experienced civil engineer. The old saying goes that if you work for yourself there is in theory no ceiling in your income at least is evidently personally true. If I work an office job and waited for pay rise my hairs would turn white first.

What was your biggest struggle? Did you overcome it? If not, how can you change it?
As a solopreneur independent brokers sales guy who deals with insurance and investment there is going to be a hard ceiling due to time constraint. This could be solved by getting personal assistant but I don’t yet run a business big enough to worth the regulatory hurdle and nuisance of getting an assistant (a lot of compliance needs to set up in place to prevent customer data leakage). This is a tightly regulated sector that anything explicitly permitted needs a regulatory clearance. My current solution is just signing up for whatever AI and softwares tools for automation that is currently available.

What new habits did your form, if any?
A dietary change that is soup focused. Easily feel full and therefore taking in less calories and generally more healthy than non-soup commercially sold food which are heavily flavored with seasoning and salts.

Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
Yes thanks to the Fed’s management of expectation we had a good run in asset prices in year 2024. More customers are confident of rotating their wealth from fixed rates to higher risk assets, which gives me an opportunity that I captured well. But this is largely a continuation of efforts of previous years of clients base expansion (using a strategy of low margin high needs products as well as working with retiring boomers, a thesis that I worked on since 2019).

Another unexpected windfall is due to the huge inflationary pressure working in my favor. Something totally unexpected. Huge healthcare cost increase in recent years results in huge health insurance premium adjusted upwards on renewal. And hence renewal commission gets adjusted proportionately.


Are you better off physically and mentally? What worked, or went off the rails?
When I go to a gym I am still reminded that many people are fitter and in better shapes than I am.

Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
Higher time input into exercise and embarking on live stream exercising aerobically on Dlive.
Stopped after I found myself overexerted for a while and developed a fever that lasted two days. Recovered fast but the livestream was not continued. (Dlive+X+cryptocurrency) to be exact.
Did you learn anything new? Why or why not?
While exercising is beneficial I don’t have the skillsets and man hours to run a crypto project alone. I have to cooperate with others in CTO projects (details are in the INSIDERS progress thread). Such communities tend to have members who are more experienced and skillful than I am.

How have the relationships in your life evolved? Improved? Worsened?
Still good.

What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
Occasionally I do lose patience to people around me who refuse to help themselves imo.

What small joys or moments made your days brighter?
Developing the next few personal thesis on the future and act on them and see how it goes.

(1)Ai automation will benefit solopreneurs in unprecedented ways. The gap between enterprise businesses versus self-employed/solopreneurs will be narrowed. Action: pay for every ai tool available and figure them out later. Avoid conventional path of human resource based scaling at the moment.
(2) Meme token community building a huge opportunity. Automation tools has lowered the bar for non-coders. The speculators to builder ratio is like 100 to one. This means enormously opportunity for builders without coding skills. Action: participation in CTO projects.
(3)Bluesky could have growth dividend for content creators just like Tiktok used to. Already used to as a X supplement as X has too much competition in the crypto theme.

 

[The Racing Driver]

What was your biggest triumph? Was there several, or none? Why?
- I got hired as a first officer on my first airline interview. Job has already given me financial independence.

What was your biggest struggle? Did you overcome it? If not, how can you change it?
- Struggled with tiredness, distractions, and a lack of focus.
- I've just felt my to-do list has been really long throughout the year, and I haven't achieved anything significant in business. I need to get clear on my Key Result Areas and the tasks I need to consistently do and improve on to achieve my financial goals.

What new habits did your form, if any?
- Planning my day the night before and posting weekly on my progress thread to keep myself accountable.

Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
- Yes I am! I got a job as a pilot, kept spending low and invested extra money.

Are you better off physically and mentally? What worked, or went off the rails?
- Yes. I only got slightly ill just once this year. Implemented some of the suggestions from this thread I started - How to improve immunity?
- No alcohol, drugs or tobacco and sufficient exercise helped me greatly.

Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
- I wasted too much time on the internet scrolling through internet articles, YouTube videos that I never took action on.
- I didn't build a consistent habit to grow a business. Each week and month I seemingly had a new task that I didn't end up doing consistently.

Did you learn anything new? Why or why not?
Yes!

- I qualified as a commercial pilot and then finished an A320 type rating course. Learnt to fly an Airbus.
- I learnt and built a web app on Bubble virtually from scratch.
- I learnt and built sites on a new website development tool.

How have the relationships in your life evolved? Improved? Worsened?
- Made amazing new friends. Friendship wise, things have improved.
- Family wise, some improvements and some slightly worsened.

What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
- Looking in the rearview mirror, at my long list of past failures, and mistakes.
- Family members who can't take criticism, don't listen to feedback and who are never wrong frustrates me greatly.

What small joys or moments made your days brighter?
- Walking through nature. Interacting with animals. Going on a drive. Exploring new cuisines. Communicating to people well in a new language.

 

[minimalrosie]

I love these kind of questions.

What was your biggest triumph? Was there several, or none? Why?
Escaping the worst man I have ever known.

What was your biggest struggle? Did you overcome it? If not, how can you change it?
Feeling like a worthwhile human being again. Finally.

What new habits did you form, if any?
Better management of email.

Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
Nope. I left my career. Had work done on the house I needed and couldn’t afford.

Are you better off physically and mentally? What worked, or went off the rails?
Mentally better. This time last year I was breaking down completely. Physically better. Cut out sugar and it makes a huge difference.

Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
No. I needed this year exactly as it was.

Did you learn anything new? Why or why not?
Tons. I learnt to project manage a home renovation. I learnt to be less afraid of leading. I learnt that people look to me for guidance. I learnt that some people will tear you down no matter how decent you are.

How have the relationships in your life evolved? Improved? Worsened?
I have made new friends after a long period of isolation. It’s been a good thing for me.

What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
Almost everything at times.

What small joys or moments made your days brighter?
Laughing with my kids. The peace in my life now it’s not being ruined by 9am every day by a shit partner. The home I have created for us all. Hiking ⛰️

 

[Jobless]

Appreciate the questions. This year I put in a lot of effort. I did not reach all my goals. I think both my effort and goal ambitions were at a high level, but they did not align very well. I was working hard but not always on the right things. So next year I need to pick more carefully my goals and how to measure them.

1. What was your biggest triumph? Was there several, or none? Why? The one I remember most is climbing a mountain. I should do more more physical challenges like this. In nature.
2. What was your biggest struggle? Did you overcome it? If not, how can you change it? Stress, being overwhelmed with managing small tasks that don't move the needle. This prevents clarity of thought. You can't see what's important.
3. What new habits did you form, if any? Habits of planning and organization.
4. Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't? Yes, my net worth increased 50% in reality, and more on paper.
5. Are you better off physically and mentally? What worked, or went off the rails? I exercised almost daily, so physically I feel better. Mentally I feel I lost focus after the summer. Too many work and personal projects going on.
6. Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold? Some lessons I am starting to apply right now. I will adapt my goals for 2025 so they match my lessons from 2024. I want 3-4 large goals maximum.
7. Did you learn anything new? Why or why not? Yes, new technical skills, like AI. I became a better leader. Mostly out of necessity, next year I will do more focused learning.
8. How have the relationships in your life evolved? Some are better, some are worse. There's a lot I can improve on, one step at a time.
9. What triggered negative emotions, such as guilt, anger, sadness, or disappointment? I demand a lot from myself, so if there is any negative emotions, it's mostly when I let myself down. I tend to have a thousand ideas, and I'm also optimistic about how quickly I can get things done. I need to plan more for rest and to not underestimate how long time things actually take. I have also been angry and disappointed at my team a few times.
10. What small joys or moments made your days brighter? Classical music, family, walking/jogging, reading my goals, social media-- I follow people that give useful advice which inspires me-- yes some of this is just feel-good action-faking, but it's a positive influence on my mindset. Like how prayer can be wishful thinking, yet it can also have purpose.

 

[Keushei]

What was your biggest triumph? Was there several, or none? Why?
- left a job where the people surrounding me were keeping me trapped. Was earning money independently before working there and finally back to my old ways.

What was your biggest struggle? Did you overcome it? If not, how can you change it?
- honestly, learning what it takes to play the game of business. Coming from zero background in anything business’s related, primarily making money from a casino exploit, I first started considering business ideas about 1.5 years ago. Learnt a lot about what it actually takes and funnily enough, end up coming to the same conclusions about value that MJ has.


What new habits did your form, if any?
- I never let my mental side suffer for longer than a day. I’m human and doubts sometimes arise which are swelled upon. But getting quicker and quicker at bouncing back. What used to be week to month long slumps without even realising are now caught within the day.

Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
- on paper, definitely not, but that shouldn’t last long. Giving up salary takes a little while to re cooperate, but the knowledge and understanding will pay dividends soon enough. Buisness is currently bringing in profit after 3 months and looking to restock supply early next year.

Are you better off physically and mentally? What worked, or went off the rails?
- physically, sort of. I’m bee trading constantly for 15 years, and have got a pretty stable physique. I improve slowly but remain pretty consistent in my efforts.
- mentally, more resilient.

Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
- I regret wasted time. I’ll be honest, I do work hard, but when the elden ring dlc came out I definitely spent more time on it that I should have. Luckily the habit broke fast and don’t play games anymore.

Did you learn anything new? Why or why not?

Yes, I learnt that business is a lot harder than I thought, and a lot easier than I thought.

I thought it would be hard to create and do, but easy to pick up as i can learn well

I’d actually argue that it’s not all that hard to do and create, but the learning is pretty challenging. But once you’ve installed the right framework in your mind, you just have to create and do.


How have the relationships in your life evolved? Improved? Worsened?
- remained constant. Although a lot of ex colleagues are more or less cut. You just don’t have time to waste with people that have no drive other than going to work and drinking.

What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
Seeing people around you who seem content with their jobs, whilst you’re on a blind path to freedom. It sucks somtimes, but I chose this path and wouldn’t change it for the world. I also wouldn’t wish it upon anyone who isn’t mentally ready for it.

What small joys or moments made your days brighter?
- when I get a new high day on Amazon. It’s always a good day when you beat your sales record! That and reflecting on the journey. It gives you perspective on how great you’re doing. It’s too easy to compare to the greats and masters of the game. Look up to them, yes, but you’re better off comparing yourself to last years Version of you.

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[Sisa]

1. What was your biggest triumph? Was there several, or none? Why?
- Taking the leap and started the Fox Web School. I always had 'ideas' but never took action. A few months ago I finally took action and am aiming for a huge 2025.

2. What was your biggest struggle? Did you overcome it? If not, how can you change it?
- Mentally, I never got over being laid off in 2023. I struggled all year with my mental health and trying to figure out how to get out of the hole I was in. I have a very supportive girlfriend but I only started being mentally happy a few months ago when I took the necessary steps to work towards the life I want.

3. What new habits did your form, if any?
- Playing guitar every day
- doing little workouts each day and doing over 10,000 steps a day
- Waking up earlier before my full time job so I can work on my business goals

4. Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
- Yes, end of 2023 I was without a job. One year later I have built up my savings, refinanced on my home loan and paid of car debt and education debts that were keeping me back and stressed.

5. Are you better off physically and mentally? What worked, or went off the rails?
- Mentally, yes. Physically, not where I want. I was always a skinny guy but since covid, the metabolism I once praised for being god-tier has finally started slowing down. I don't feel as great as I once was and been eating much better in the recent months and incorporating more exercises.

6. Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
- I regret not starting this journey earlier. I have been on this forum for years but never took the steps needed to start. In 2025 I have set myself goals to get my business journey off the ground.

7. Did you learn anything new? Why or why not?
- I learnt about web design, more marketing skills and improved my sales abilities.

8. How have the relationships in your life evolved? Improved? Worsened?
- All have improved. I cut out people I don't like and improved my relationships with my family and girlfriend.

9. What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
- I felt all of these after being without a job for 6 or so months. I felt like I disappointed the memory of my father who had to literally escape a communist European country in the 60s. But I am on track and feel a lot better about myself.

10. What small joys or moments made your days brighter?
- Seeing my baby niece more often. That girl brings so much joy to me and I love seeing her when I can. Due to distance I can only see her every few months.

 

[NewManRising]

I am going to be completely honest with my answers. Most of it is not positive.


1. What was your biggest triumph? Was there several, or none? Why?


I'd say my biggest triumph was taking my health more seriously. I have been pretty health conscious for the last 12-13 years (44 yrs old now). I've cleaned up my diet to include less sugar and carbs. I do intermittent fasting. And I upgraded my personally fitness equipment in my home.

Lastly, I made the decision to eliminate the toxic relationships in my life for good (family members).


2. What was your biggest struggle? Did you overcome it? If not, how can you change it?

My biggest struggle was having to make the decision to move 1400 miles away to get away from toxic family. I also quit a pretty good 1099 job and severed the relationships I was building as a sacrifice to put myself in a healthier environment. This was all done on top of dealing with the fact that in the last couple years my mom, sister, and two of our pets died.


3. What new habits did your form, if any?


I'll be honest, a lot of my good habits got destroyed. But I have been slowly developing them again such as consistently exercising, trying to get good sleep, and controlling my reactive emotions. Most of the year I was depressed, stuck in the flight or flight response, and doing poorly with basic self-care.

Aside from this, I started reading more. I also bought a small therapy light to help with my circadian rhythm and hormonal balancing (seems to help) during days that are dark with no sun.

I picked up a new health hobby of fermenting foods. I currently make sauerkraut, milk kefir, yogurt, and I am soon going to explore Natto and Koji.


4. Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?

No. I am just slightly worse off. I didn't work much most of 2024 because I was focused on health and moving and adapting to my new environment. I know I have to get serious in 2025 and I have been throwing around some ideas, but nothing concrete yet.



5. Are you better off physically and mentally? What worked, or went off the rails?

I am slightly better off physically. I lost 19 lbs and dropped 2.2% of my body fat. It's small, but it is still a win nonetheless. And I'll take it.

My posture and mobility is improved too as I have been stretching more and doing specific exercises to improve these areas of health and fitness.

Compared to how I was earlier in the year I am better off mentally and emotionally. But I would not say I am at healthy levels yet. I started implementing more meditation, breathing exercises, and mindfulness. I've done a few nature walks at my new place but not consistently.

I also attended a few Zoom support groups that helped me get some emotions off my chest. At the same time I felt that I helped others by sharing and commenting, as well as just being present.


6. Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?

My regrets are actually residual regrets from over the years of not taking action. But in the context of 2024, I regret that I made a few big decisions that were influenced by emotions. So, I worry that I may have caused myself harm. It's in the past now and I just have to focus on the present and moving forward.

I also regret just not taking action and having a part time job or dabbling in a little freelancing to offset my expenses through the year.

In 2025 I know that I have to take action, even if it is having a bullshit job. The point is, I need to move forward and improve my situation.


7. Did you learn anything new? Why or why not?

Most of my learning has been health-focused. I've learned new exercise routines, methods of recovery as well as implementing them, and my knowledge around diet, health, and nutrition has improved greatly. I learned how to make my own probiotic yogurt too.

I learned a little AI but mostly because I was curious about what it's all about. I wanted to see it's potential. Still very much a beginner, but I recognize the technology is very vast and powerful. I use it every now and then to create various documents for me and small tasks.

My car was having some challenges the last few months and I did a lot of diagnostics and work on it on my own. I moved into territory I was unfamiliar with. But I increased my auto knowledge.


8. How have the relationships in your life evolved? Improved? Worsened?

They have all worsened. I had very little to begin with and the few I had were toxic and presented barriers to my health and ambitions. So, cutting them off might be seen as an improvement in my relationships. I've always struggled to make friends and keep them.

At my new place I have met and talked to a few neighbors. They seem to be nice. At gas stations and stores I frequent there are a few employees that I chit chat with a little bit too. I've realized that most people appreciate or enjoy some small talk but you just have to make the effort and have the openness to engage.



9. What triggered negative emotions, such as guilt, anger, sadness, or disappointment?

All the experiences past and present that have to do with my family. There are a few individuals who've caused nothing but conflict, losses, and stress on everyone. The guilt I have is having to come up with the decision to cut them off. It's not easy doing this to a brother, cousin, or parent.

When you hold this idea that families are supposed to stick together and support one another but the reality is that it isn't like that, accepting that is very hard. But I've learned that reality isn't how you want it to be or how you think it should be, it's how it really is. And that "really is" can be very painful and disappointing.

I have also had friends whose lives turned out disappointing and sad. Despite my current circumstances, I am doing the best out of all of them. Many have health problems, financial problems, and worse. This reality is very sad too because I know we could never be friends again. But this deterioration of friendship has been years in the making and I have mostly moved on from them.

It's just sad to me to have to look back and recognize that all the people you grew up with and knew intimately have turned out so bad. I struggle with accepting to close the chapter on this part of my life and opening up a new one with all new people that do not share a past with me and know nothing deeply about me. This is where my struggle is, as well as fear.



10. What small joys or moments made your days brighter?

Days where I felt I was highly focused on myself. Where I was physically active, had a good sleep, diet was locked in, and I enjoyed myself outdoors. I went and saw the eclipse in Texas back in early April. The experience was pretty cool along with being in a completely new area to explore.

I visited a few parks and nature areas and got some sun and exercise. I also like to sit somewhere in these environments and take in the calmness and listen to the natural sounds. It helps ground me and remember to slow down.

Days where people acknowledged me and said something nice or were just generally kind uplifted my mood.

 

[wanttogofaster]

What was your biggest triumph? Were there several, or none? Why?
Finally learning to say no when needed, no matter who it is. I need to continue working on this as not doing it, more often than not, causes unnecessary stress. I started learning how to play the Ukulele, I'm not an expert yet, but I grabbed it and practiced after a long time of saying I was going to.

What was your biggest struggle? Did you overcome it? If not, how can you change it?
Time management. I'm already working on removing distractions, and my wife is being cooperative. Trying to work from home with two kids, including one that only goes to preschool for 3 hours, 3 days a week is challenging. We are already taking turns driving kids to school and other activities so neither one of us is driving all day.

What new habits did you form, if any?
Going to bed and getting up earlier no matter if everyone else is still sleeping. I can work out or do other things before everyone else wakes up.

Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
Yes, even though our income was about the same this year, all asset classes we've invested in are up! Our e-commerce business is declining and I'm back to the drawing board.

Are you better off physically and mentally? What worked, or went off the rails?
Yes, I've been lifting heavier and working out more often (5 or 6 times a week) than the last two years, and also played summer and fall softball for the second year in a row. Last blood work after 3 years of being mostly vegan (except for some fish/seafood once in a while) looked way better than the last one.

Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
I regret letting distractions take so much time and not working harder on our business. I have started making changes.

Did you learn anything new? Why or why not?
A bit of Ukulele.

How have the relationships in your life evolved? Improved? Worsened?
Most have improved or stayed about the same.

What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
Frustration of not reaching our financial goals. Letting distractions take too much time and not focusing on the things I need to be focusing on.

What small joys or moments made your days brighter?
Playing with my son and daughter, hear them laughing and seeing their beautiful smiles.

 

[MJ DeMarco]

All the experiences past and present that have to do with my family. There are a few individuals who've caused nothing but conflict, losses, and stress on everyone. The guilt I have is having to come up with the decision to cut them off. It's not easy doing this to a brother, cousin, or parent.

When you hold this idea that families are supposed to stick together and support one another but the reality is that it isn't like that, accepting that is very hard. But I've learned that reality isn't how you want it to be or how you think it should be, it's how it really is. And that "really is" can be very painful and disappointing.

Don't feel guilty -- this presumption that you have to honor and hold a relationship with a toxic family member is one of the Script's most destructive myths. The blood might be thick, but its not so thick you can't swim yourself out of that toxic pool and never go back.

 

[mikecarlooch]

1. What was your biggest triumph? Was there several, or none? Why?

I was so broke at the beginning of this year, that I had to put my groceries on credit. All I wanted was to build a skill, to prove that I am of some kind of value to the world. I took a job wholesaling real estate to teach myself how to sell. I put every drop of my soul into becoming good at it. Then I decided to take out a loan for a business idea I had, which I don't regret at all, because even though it failed we made a lot of sales and it taught me a lot about running a business.

I became depressed after this, having no idea what to do with my life. I moved back in with my parents and started reading books constantly again and asking endless questions on this forum looking for guidance. Even though I was broke, all I wanted to do was learn the real estate business. I would've worked my a$$ off for free for someone successful to just teach me how to profitably buy apartment buildings.

I happened to know someone with a real estate portfolio worth a quarter of a billion dollars and asked him if he had a job for me. He told me I could work for them as a leasing agent, leasing their apartments to renters. So, immediately, I decided that I was going to be the best at this.

I had low expectations for the amount of money I'd make, but they promised to teach me the real estate business, so I said yes on the spot to take the job.

Turns out, I was now one of the 3 people that was in charge of leasing 120 buildings. I had no idea what I had walked into at first. After a load of trial and error, I started making money extremely consistently.

Long story short, in 7 months of doing this job, it is not uncommon for me to pull in $10,000-$12,000 a month, and I'm still looking to improve that.

But the money isn't even the best part. The best part is - I am for the most part, FREE. I have no boss that tells me what to do. I am allowed to be entrepreneurial. I am learning the New Jersey real estate market like the back of my hand. I've gotten more skilled at selling and I could (almost) sell sand to an arab. They allow me to go into the office to learn how to buy my first apartment building. I'm outperforming the other agents who've been there for 18 years by 3X.

(very boastful in the above statement, but that's what this thread is for, right?)

The money is great, but I'm excited for the future because a whole slew of opportunity has opened up due to my exposure to real estate. My fastlane visions are invigorated.

1. What was your biggest struggle? Did you overcome it? If not, how can you change it?

Anxiety. Even when everything is going well, I, a lot of the time, feel like it's not going well enough.

1. What new habits did your form, if any?

Socializing with thousands of people. Me 2 years ago was depressed over not talking to anyone, thinking I was socially inept.

1. Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?

From putting groceries on credit to having $50k+ sitting in the bank and moved out of my parents house again at 22, living on my own, single.. It feels like a huge weight has been lifted off of me.

1. Are you better off physically and mentally? What worked, or went off the rails?

I am physically in the fastlane because I developed the health habit extremely young to the point where I don't need to think about it. Mentally, I'd like to find a way to achieve big goals without having constant anxiety about the future.

1. Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?

I have no regrets. I learned skills and got myself out of desperation. Exactly what I wanted.

1. Did you learn anything new? Why or why not?

See above

1. How have the relationships in your life evolved? Improved? Worsened?

I should probably put more effort into relationships in my life. Currently, I am very obsessed with goal achievement and really only talk to people who can help me propel that achievement.. (I know this sounds bad)

1. What triggered negative emotions, such as guilt, anger, sadness, or disappointment?

Anticipation. to smart phone notifications, to deals closing.. Anticipation. I am currently a slave to anticipation and I'd like to free myself from the mind.

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[MJ DeMarco]

Long story short, in 7 months of doing this job, it is not uncommon for me to pull in $10,000-$12,000 a month, and I'm still looking to improve that.

But the money isn't even the best part. The best part is - I am for the most part, FREE. I have no boss that tells me what to do. I am allowed to be entrepreneurial. I am learning the New Jersey real estate market like the back of my hand.

Great to have a taste of Fastlane while in a job -- nice situation where you can accumulate capital, learn FL skills, and gather domain experience. Congrats.

 

[James007Hill]

What was your biggest triumph? Was there several, or none? Why?
Quitting my job and successfully running my own business full-time for a year, making as much and if anything, slightly more money during the last 6 months of the year than I would have from my job. This is the first time in my life I have not needed “a job”. The sense of happiness, fulfilment, purpose and freedom and has been 10-times what I’ve ever had from jobs I’ve “enjoyed” in the past.

What was your biggest struggle? Did you overcome it? If not, how can you change it?
Amongst the change of running my business and, more recently, having a son in my life, I have lost some good habits and developed some bad ones. The two that stand out the most are that I’ve stopped my morning exercise session and I’m spending too much time on social media, especially first thing in the morning – a really bad habit! I have now (literally yesterday) blocked social media during certain times of the day that will help overcome the latter. The exercise habit I am going to change by using prompts and the draconian measure of giving my wife £1000 and asking her to only give it back if I complete this habit a minimum 6-days per week for 4-weeks.

Some of my struggles will be helped with a change of environment due to moving house in a couple of months. Currently living in a small terraced house on a street that is, quite literally in some ways, a dump! Litter everywhere, with many people on benefits/welfare. The new place is still small but will be at least bigger, and most importantly on its own with no neighbours, surrounded by green fields!

What new habits did your form, if any?
As written above, most new habits I formed were bad ones! One good one I have formed though is daily stretching – this has always been a massive weakness of mine, but something as simple as a written prompt on top of the coffee jar that I see in the morning has led to this habit being established. Thanks to my wife for the idea of this prompt!

Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
Yes – the business has grown and has finished the year strong, and combined with having spent less and having some property income coming in too, I have made positive strides on the financial front.

Are you better off physically and mentally? What worked, or went off the rails?
Physically – no, but this is with the caveat that the drop off has been from a high bar. I walk a lot and my business keeps me physically active, and I’ve historically always been incredibly fit, so although I’m worse off physically, I know I’m still fitter and healthier than the majority of people. This is not good enough however as the fact remains I have dropped off. Diet has been decent but there have been more “off days” than normal even with this.

Mentally – yes I’m better off, not least due to having quit my toxic job at the beginning of the year and am now doing something with so much more fulfilment. That said, there is still big room for improvement. The biggest drags on my mental state have been too much social media/phone use, lack of a morning exercise habit (I still walk a lot but I’m talking more of intense exercise on a morning that has always been so good for me), and my mum having died last year, the grief of which still plagues me now and then.

Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
Not really regrets as it takes a lot for me to “regret” something, but in terms of things I wish had been better at – the habits. I have an action plan for these and knowing myself as I do, I know I will get back on track but at the same time know I must not procrastinate any longer in doing so.

Did you learn anything new? Why or why not?
I have continued to learn mini-skills in the area of bushcraft as I want to expand my knowledge of self-reliance, and have started learning about AI as I understand it will be essential to life and business whether I like it or not!

How have the relationships in your life evolved? Improved? Worsened?
Relationship with my wife has evolved now we are parents – it has been nice seeing her as an amazing mother, but conscious we must continue to try and make a little time for each other too and not get totally lost in parenthood as is so easy to do. Have bonded with my baby. Relationships with other family and closest friends (the ones I’m bothered about) have been, at the very least, maintained.

What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
The waves of grief from my mum dying last year triggered most of these emotions. I have struggled sometimes with the guilt of thinking I wasn’t a good son, that I let her down in some ways, and anger at myself for this. I know she would be proud of what I’m doing now, but sad she isn’t here to see that.

What small joys or moments made your days brighter?
Seeing my son after work or in the morning, or virtually anytime really! He lights up my life most times I see him. Catch ups/coffee with friends. Board games with my wife. Walks in the woods. Business sales coming through!

 

[ZF Lee]

Thank you @MJ DeMarco.

What was your biggest triumph? Was there several, or none? Why?
-Making a switchover from predominantly email copywriting to list management. Here, you'll have to think more like an actual marketer since you can suggest offers or lead magnets that might reactivate 'dead' prospects...but at least you won't be fighting with the 1000+ others on Upwork for $100 gigs or fake job posts.

Found Nabeel Azeez from CopySkills, who specifically caters to Third-World copywriters and helps them improve pay-parity with their Western counterparts. He's still rolling out his modules for list management...so I've been gradually chewing them and trying them out in a gig.

-Took up a job I never did before-- Tiktok videos scripting for real estate agents. Had to do tons of reading real estate articles, and watching TikToks to see how they spoke. I had hoped to apply this skillset for a need I saw in health supplements...but I got busied by list management and ongoing copy work

-Starting to recruit more men for the tech department I am helping out at for my church's mens fellowship.
Never done that before in my life. Starting to roll out monthly routines & follow-ups for all to follow.
Been thinking how to turn that serving into something that really enhances faith...and not another soul-sucker that most churches do...but fortunately, Patrick Morley's 'No Man Left Behind' adresses the pains and gives some solutions

-Started my first crypto positions.
Nothing too fancy. Just got a ByBit and Hatta account, did some BTC and XRP before the rally.
Started on dual asset investing to find a more stable means of income-gen, and realise you could potentially apply the stocks options wheel strategy to it.

But very few literature on this concept out there for now because crypto-bros are all about the HODL and LFGs...which can be very short sighted at times too. So that position remains in the low four-figs for now.

The game was always won on Fastlane income anyways.

What was your biggest struggle? Did you overcome it? If not, how can you change it?
Moving from people who simply did not want me in their lives-- no matter how much I tried to be in theirs, even while providing as much value as I could. That includes moving on from people who just do not share my values.

I tried to reconcile with an old flame from high school at year's start--she was a dominant reason for me going into Fastlane.
But she treated me like a stranger--and instead of directly dealing with me, she shoved another boy at me.

I tried finding counselling and support from various circles but they let me down.

The first so-called mentor figure I confided in-- the leader of my old cell group-- just shook many things I said off (especially when I said we need models to live), and claimed the only approach in life is 'worship'.

(which is F*cking BS when depressed folks can barely lift themselves out...but that's a discussion for another forum)

The young adults cell group he led was all about chasing the next event, censoring of the chat group AND meetings. I failed to get in a serious conversation on such matters.

That made me realised why many people simply left the faith. Why MJ banned religion on this Forum.

It sank me into many months of reading and reflecting on topics as wide as deconstruction and universalism. It was not very productive honestly. It was as bad as reading to action-fake.

The real action steps was to find new people to replace them. Switch churches. Find new Christian mentors and partners. The same way I swapped SCRIPTED teachers for Fastlane coaches.

Don't go for clueless youth or young adults Christian groups. If I want anything to do with my own age group or younger...pick charities, sports...any other secular productive groups. Give them a chance.

The only question is whether I do it with a Machiavellian approach of treating people like checker pieces...or continue to have a good heart to see good and be genuine.


What new habits did your form, if any?
Other than adding a few supplements to improve overall health and stave off reverse-acid reflux, I found myself playing Helldivers 2 pretty regularly amidst the sorryness and loneliness I felt. Right after I finished the day's work, of course.

There was something satisfying about landing into a battlefield with random strangers...and even if they didn't have a mike to communicate, you just fought and busted each other out of danger many a time for Democracy.

I have yet to find a more 'tangible' chillax activity where you can find companionship, and hit positive goals together that fits my current schedule. Night sports could be one...but I have yet to find one near my place.



Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
Enough to start filing taxes next year.

Started seeing more expenses can be tax deductible if they were used for business (utilities...even certain high ticket courses)...so I'll most likely be registering my own biz structure in 2025. Sole proprietorship for RM30 a year should do.

If I didn't get into that early-year slump...I think I would have more energy to pursue more jobs to pull earnings up.


Are you better off physically and mentally? What worked, or went off the rails?
Both are not too good. Noticed I had a belly...and am currently trimming it down with walks and a dietary jelly. Trying my mentor figure's stem cell powder stuff too.

Mentally wise...there were days I just couldn't get out of my room and just ordered Grabfood.


Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
Regretted trying to reach out to people who just hurt me without making ammends for it.
And made me question my life values once more.

in 2025, I need to be firm on what I believe is BS and call it out. Even if I will get rejected by it. I will be called 'angry' or 'trying to pick a fight'...but do I want to get bullied? How can I even stand up for others if I do not do this?

Also, concentrate on finishing the Fastlane path well.

Do well at my list management gig, transfer the TikTok real estate skillset into a real biz. Now it's not just for escaping financial mediocrity anymore...but for buying openings to meet better people who are more serious on life and relationships.

Faith-wise...I will just continue with my mens' ministry. For now, they are the only thing that keeps me in church honestly, because there are folks there who still show me the ropes. And they still have many, many things done right that could be the model for future relationships or 'advisor' circles.




Did you learn anything new? Why or why not?
TikTok scripting with AI


How have the relationships in your life evolved? Improved? Worsened?
I'd say they range from downright bad to break-even.

I stopped going to the circles that just didn't give me the energy or encouragement I needed...and just kept up maintenance-mode with the few I still had, that still fueled me. Sometimes that meant me doing my work on trains as I travelled back to parents or family once a month. It was not very comfortable. But who else will do it. Even the current President did similar long ago.

I had my first Christmas alone with the parents without my brother-- he just refused to come back and kept saying 'he cannot confirm'.

For Asian culture, that is like giving the F*cking bird to the people who raised you.

I can see a future where I'm alone caring for the folks...and he goes AWOL. Another reason to build up Fastlane-like resources.


What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
When I see people having relationships. Get married. Makes me think if there's something wrong with me for not having one--or apparently not being able to win one.

But I look at the folks I still have around me, and I realise:
Aren't these relationships too? I already have them. It's just that I need to learn how to have new ones, for different needs and callings.


What small joys or moments made your days brighter?
When I see the work I do put a smile on someone's face...or relieves their pain even just for a little while.

Don't feel guilty -- this presumption that you have to honor and hold a relationship with a toxic family member is one of the Script's most destructive myths. The blood might be thick, but its not so thick you can't swim yourself out of that toxic pool and never go back.

I guess that also applies for folks of the same faith, and expected shared values too.

 

[MJ DeMarco]

Board games with my wife.

Oh, I posted a question about this in the Random Chat thread, do you have any recommended game that you both love?

 

[James007Hill]

Oh, I posted a question about this in the Random Chat thread, do you have any recommended game that you both love?

We only got into them this year so haven't explored that many, but the ones we enjoy the most are Scrabble, Backgammon and Hive. We enjoy Monopoly too but only if there is more than just the two of us!

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[Jrjohnny]

Im deciding to try this out, so here we go:

What was your biggest triumph? Was there several, or none? Why?
My biggest triumph of many was most likely me running more than 5k consistently for the first time in my life. My cardio is significantly improving, from starting off at being in a puddle of sweat after running 3km in 35 minutes only a month and a half ago, to now doing 5k in 40 minutes.

Another was strengthening my lower body since I tore my hip adductor playing football (thank goodness thats all I walked away with) and since, Ive added over 65lb and tons of ROM to my squats, and started deadlifting.

A few more include: overcoming gaming addiction, becoming more humble, started eating healthy, I look the leanest Ive ever been, but Ive gained 35lb since last year, and learning my self worth.

What was your biggest struggle? Did you overcome it? If not, how can you change it?
one of my biggest struggles, which I've been struggling for years, is finding my self worth. I can confidently say no to things that are unhealthy for me, express my opinion, and my confidence has been soaring ever since I really asked myself what truly, truly matters to me:
what others think of me, or what I think of myself. tied to self worth was consistency. I never really treated myself right leaded to quitting soon after something gets uncomfortable.

What new habits did your form, if any?
Eating healthier (for physical and mental improvement)
running (improve mental, physical and cardiovascular health)
AARS (after-action-reports, basically when I succeed or fail something I fill out a page describing what went right and wrong and what to do better)
stretching (to help with overtraining)
meditating (to help with focus)
75HARD daily
"living by one word" (to help with focus)

Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
I don't really think this is applicable to me, however I technically found a way better business idea, and I'm planning on launching in Q1 of 2025.
Are you better off physically and mentally? What worked, or went off the rails?
Definitely both: weightlifting, was working, but I wasnt really training hard so I started going harder and to failure more, and also started running, which I'm already noticing both a tighter waist and stronger mindset from that. And since I started picking up meditating, I'm able to truly focus on what matters, which definitely helped from the start of the year.

thats most likely because at the start of the year, I was trying to juggle 30 different things so I didnt really improve much in anything, until I adapted to the method stoics used to truly make progress in something.

Want to grow your business? Live by growth,
want to have more free time? Live by Less, because by living by less you have more
Want to improve physique, diet or anything? live by constistency, Or discipline

Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
My main regret of 2024 is not spending my time as efficiently as possible, hindering my growth, and what I can do in 2025 is properly follow a schedule and optimize the 24 hours I have in a day.

Did you learn anything new? Why or why not?
I learned my self worth, as funny as it is, I also learned how to run. learned how to focus, and schedule time efficiently and I have to say its most likely because I was tired of being in a mediocracy loop I was stuck in, with being happy, relaxing, getting sad, working, getting happy.

Now I'm working, getting happier and keep working.

How have the relationships in your life evolved? Improved? Worsened?
Depends which ones; immediate family, such as parents, siblings and grandparents have slightly improved, with cousins its the same, and with friends its worsened.

What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
Realizing I cant launch my company by the deadline I had set, and further having to delay it with strikes and card issues, however, I think it was meant to be looking back at it now, because a way more profitable model just showed itself to me.

What small joys or moments made your days brighter?
Literally my entire family, most my friends, and even some strangers complimenting my physique, and knowing how much I've grown since I started this journey.

Thank you MJ for this, and something I really suggest for other people looking to make 2025 the best year possible is to use the one word mantra I started using, because you can't focus 100% on everything. if you do 10% of 10 things, it'd really hinder your progress. If you cant focus or dont need to grow a skill for a full year, instead of splitting up each day, dedicate 3 months to one thing, grow a crap ton and then switch.

 

[MattR82]

What was your biggest triumph? Was there several, or none? Why?

I got a very lucrative job that gives me a lot of time off. And it's a project too, which will naturally come to an end, so the "golden handcuffs" aren't so much of a concern. I could get laid off tomorrow and all it means is I start my business earlier but still with enough capital. Everything from now is just gravy.
Paid off all debt and have already saved a load of capital for when I relaunch my service business in a new area that is 10 times larger than the original one. Learnt a lot from the first 18 months in that business though. Got the main mistakes out of the way lol.


What was your biggest struggle? Did you overcome it? If not, how can you change it?

Probably relationship with my girlfriend. She was starting to show signs of insecurity and other mental health issues due to childhood trauma, but rather than run, I encouraged her to get therapy and everything has turned around completely. Can probably put that in the biggest triumph section too lol. It's a great feeling when you give someone good advice and they actually do something about it immediately. In the back of my mind, i thought that if it went bad and we broke up, that I wanted her to be in a better position than when she first met me, and she definitely is as I helped her get her dream job and start to overcome her childhood issues. I'm not in to ultimatems but I now know it wasn't something I could help her with and that if she didn't get help, it was over, so I'm glad I put the effort into pushing her in the right direction and watching her really go for it.


What new habits did your form, if any?

Quit alcohol completely. Pretty easily in the end. Wasn't a big drinker anyway but feels like I grew out of it more than anything.


Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?

Unbelievably so. Cash flow was my killer. I can't remember if it was Andy Frisella or Tommy Mello, but closing down to regroup, get some capital together and start again advice worked for me. Grinding it out would have still worked, but taken longer, and when there was a lucrative opportunity to speed that up, I took it. I also like Jordan Peterson's concept of order and chaos, one foot in each rather than both in one.



Are you better off physically and mentally? What worked, or went off the rails?
Mentally yes. No cash flow burnt me out. Physically, probably the same. Eating far better but exercise is an area I need to improve more than anything.


Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?

No regerts!



Did you learn anything new? Why or why not?

Learnt a LOT about relationships with my partner. Following a guy called Coach Corey Wayne and reading his book had the biggest impact on me this year.
Still going to conferences related to the industry I will be relaunching my business in and learning a tonne.


How have the relationships in your life evolved? Improved? Worsened?

Made a load of new friends by going back to work with a team of people. Reminded me just how isolated you can be when starting and running a business, although that wasn't an issue at the time. And of course as mentioned earlier I found someone that may be my partner for the rest of my life. But also learned a lot about relationships and myself. Definitely all improved.
Not much flusters me anymore. I can only do my part, my best, and the rest is up to them. If it works, great, if not, see ya.



What triggered negative emotions, such as guilt, anger, sadness, or disappointment?

No guilt, but earlier in the year a LOT of anger with some biz relationships. There be sharks out there... It all led me to the right people in the end though.



What small joys or moments made your days
brighter?
I lived in a share house with a good friend that had 2 bull arab dogs. I became their Uncle and still get videos from them haha.



To sum up my year, be secure in yourself, have good boundaries and have cash flow for necessities. Pretty simple really. Oh, and play with dogs as often as possible haha.

 

[mm.c]

• What was your biggest triumph? Was there several, or none? Why?

My greatest achievement in 2024 was opening my own business for the first time in my life at the end of February. I registered it as a joint-stock company. In July, I left the job I had been in for 12 years—a place where I had been contemplating my departure for years. I had made attempts before, but I finally managed to do it.

I also made a decision that, while not necessarily heroic, stemmed from a deep sense of disappointment with that workplace. I had poured my heart and soul into that job for over a decade. About 10 years ago, I was promised a lot, and I worked harder than anyone else to deliver. I gave it my all, yet despite the promises, I was often overlooked for development opportunities and financial incentives. This, in many ways, broke my spirit.

So, I left the job. Before that, I had already started my own company and was earning a bit through online accounting services. At the same time, I took on another project, securing a contract with another client. I managed to make some decent money from those two larger projects, and later, I got a steady monthly assignment. Unfortunately, this doesn’t yet fully cover my costs, but for the first time in my life, after working as an employee for 14 years, I transitioned to running my own business.

At the same time, I moved to another country—or rather, I returned to my home country after living abroad for 14 years. I've been here for about a year now. I’ve also been living with my girlfriend for the past six months, and I think our relationship is developing nicely.

So, 2024 was a year of big changes: starting my own business, securing my first few contracts, leaving my job, moving back to my home country, and committing to a relationship.

• What was your biggest struggle? Did you overcome it? If not, how can you change it?

I think the biggest challenge over the past few months has been consistently developing my own business—not just working as a freelancer. I’ve been somewhat drifting between several ideas, but I haven’t managed to choose a clear direction. I want to change that starting in January. I’ve realized that even a bad focus is probably better than no focus at all, and that’s what I want to concentrate on.

I’m not sure if it’s fear or simply the fact that the path ahead isn’t clear. I’ve managed to secure a few freelance projects, but I know that’s not the right path for me. This has been the thing holding me back the most—or at least worrying me. It’s something I need to address

• What new habits did your form, if any?

On the fitness front, things are going well. Since the first week of August, I’ve been going to the gym regularly and sticking diligently to a well-structured workout program—even a paid one. I follow it to the letter. I’ve been a bit more lenient with my diet, but it’s still pretty good, as I’ve been monitoring it for years. Since I’m building muscle mass, I allow myself a bit more flexibility, and overall, it’s going quite well.

As for sleep, it’s been decent, but productivity has been a bit harder to maintain—I get distracted easily. So, fitness is going well, diet is a bit weaker, but I have no addictions, which is a plus—no smoking, no alcohol. That said, I do drink too much coffee, but aside from that, everything is in order.

• Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?

Unfortunately, I’m currently spending more than I earn. Thankfully, I was a disciplined saver for many years, so I’ve built a financial cushion that keeps desperation at bay. However, not everything is going as planned. My savings are in a different currency, which has been historically low for the past three years, and I have no control over that.

Right now, I’m spending more than I make, but I do have savings, so I’m not on the brink of financial trouble just yet. Still, things are tougher than they used to be. On the other hand, I know I was stuck in a trap before—a steady paycheck was like cheese in a mousetrap, keeping me locked in. Freedom, while empowering, is also dangerous.

• Are you better off physically and mentally? What worked, or went off the rails?

I’m stronger both physically and mentally. Physically, I’ve been systematically taking care of my health for many years—sometimes better, sometimes worse—but things like physical exercise, running, cardio, long walks, monitoring my diet, and staying away from addictions have been a consistent part of my life for close to a decade. It’s not always perfect, but I’ve managed to maintain these habits over the years.

Mentally, I’m in a much better place now. While there is still fear and uncertainty, there’s no sense of desperation because of my financial cushion. That alone provides significant mental relief. I can’t even imagine how incredible and liberating full financial independence—or "f*** off money"—must feel. If the savings I have now, which give me about two years to try things out, provide this much mental relief, then true financial freedom must be extraordinary.

Mentally, things have improved because I’m no longer stuck in the same draining situation I endured for years. Back then, I felt like I was withering away, suffocated by feelings of helplessness and frustration at work. There was injustice, internal company politics, favoritism toward the owner’s children—which is understandable to some degree but still demoralizing—and managers who would shift responsibility elsewhere. It was all incredibly demotivating, leaving me in a state of sadness, frustration, and even depression.

Now, those feelings are gone. While there are still fears and uncertainties, there’s no sense of hopelessness or powerlessness. So, overall, I’m doing better both physically and mentally, and that’s a significant step forward.

• Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?

What do I regret? I think when I left my job, I unnecessarily voiced some of my frustrations to my boss. It wasn’t in a rude or aggressive way—there were no insults or anything like that. I just spoke honestly. However, in hindsight, I feel it might have been unnecessary. Then again, I’m not entirely sure. It was a small workplace with only 10 employees, and I had worked there for 12 years. We knew each other very well, even on a personal level. In Norwegian, there’s a good word for this: "lufte," which roughly means "to air things out." So, in a way, maybe it was more about clearing the air.

Another thing I regret is how hard I tried for so many years in that job. I think I ended up surrendering authority over my own life, paying the price for prioritizing the needs of others over my own. Coming from a very authoritarian family, I believe this pattern has repeated in my life—it’s something I’m working on.

Could I have spent 2024 more productively? Probably. But I’ve done my best, and I remind myself that such significant changes in life don’t come easily. I’m doing what I can. Now, I’m focusing on ensuring that I don’t get stuck again and that I systematically work on my goals every single day.

• Did you learn anything new? Why or why not?

I’ve been learning a lot about accounting and various legal regulations related to running a business—how to manage everything properly. So far, I’ve been doing everything on my own with the help of a comprehensive program that’s been very useful. I’m putting in a lot of effort to learn and improve, and I frequently use artificial intelligence to assist me. I plan to focus even more on this moving forward.

• How have the relationships in your life evolved? Improved? Worsened?

I’m currently in the most serious and well-developing relationship of my life with my girlfriend. We’ve been together for almost two years and have been living together for six months. This is the most serious relationship I’ve had in over a decade, and everything is going in a great direction, so I’m really happy about that.

Last year, I also developed a very nice friendship with someone I used to rent a house from. We were neighbors for about a year and grew closer during that time. At the same time, a few older relationships naturally faded away—they withered and died off. I think it’s because I stopped putting in as much effort. You could say I felt like a "Simp" in some of those friendships and decided to let them go.

Apart from that, I continue to maintain relationships with my family, so everything is fine on that front. Moving to a different city has, of course, changed my social circle a bit since I’m in a new environment. However, I’m trying to stay active by participating in various forums and communities.

• What triggered negative emotions, such as guilt, anger, sadness, or disappointment?

I still feel a lot of bitterness about my previous job of 12 years, especially regarding my boss and, let’s say, the manager. It’s not about one specific situation, but more like the proverbial straw that broke the camel’s back—too many things piled up, and I simply couldn’t take it anymore. I remember talking to a colleague about whether I had the guts to leave, and I joked that maybe I didn’t have “two balls,” but at least I grew one in the end. I finally stopped letting myself get led around by the nose.

This bitterness lingered for months, especially since I genuinely gave my heart and soul to that place for 12 years. I never left work unfinished, even if it was a Saturday or Sunday, or required staying late into the night. I don’t have kids, I’m not married, and I lived alone in a foreign country, so that job was incredibly important to me. I tried to grow and develop on all fronts, but in the end, I lost to office politics. I’m not the kind of person who elbows their way to the top, and I must admit, even now, six months after leaving in July, I still carry some resentment—both toward them and myself.

I don’t know if this was my "f*** off" moment, but it certainly was a situation full of disappointment. I realize now that I need to learn a lot from this experience. It’s also been an adjustment moving back to the country where I was almost raised but haven’t lived for years. At 39, things feel different—people are different. It’s been a bit of a culture shock, I suppose, but maybe I just need to get used to it, and that’s that.

• What small joys or moments made your days brighter?

For my girlfriend’s birthday in October, we decided to get two cats. I didn’t know much about having pets before, but the happiness these two little furballs bring into our daily lives is just incredible. I’ve never had pets before, and I must say, it’s such a wonderful experience. These two fluffy bundles of joy are amazing.

Being in a relationship with someone who likes, respects, and supports you is also something really special. We support each other without placing excessive demands on one another. It feels like a healthy, mutual relationship built on respect, and that’s truly great.

Another thing I enjoy is working in my rented office, even if it’s just on freelance projects for others. Being paid for the work I do, managing my own accounts, bookkeeping, taxes, and so on—it all gives me a great sense of empowerment. Even just ticking things off a to-do list regularly is deeply satisfying. It’s these little victories that make things feel worthwhile.

 

[heavy_industry]

Biggest triumph:

• Almost fully recovered mental health and cognitive function through fasting and metabolic treatment.

Biggest struggle:

• Failed to quit nicotine, repeatedly.

New habits:

• Near-perfect adherence to my diet protocol.

Better off financially:

• Not by a substantial margin - but I like to believe that I've built the foundation for my next business. I hope I am not deluding myself.

Better off health:

• Off the charts. 2024 was a heavenly miracle that marked the beginning of my neurological rebirth.

Any regrets:

• I want to achieve more and do it faster, but I understand that this year has been a stepping stone for my future plans. Again, I hope I am not fooling myself with wishful thinking.

Learned anything new:

• Improved English, some would say quite substantially.

Relationships:

• Greatly improved.

What makes my day brighter:

• Life itself is now the most entertaining and addictive video game I've ever played. I can't F*cking wait to wake up and go to work.

---

Overall​

This year has been nothing short of a heavenly miracle and was my best year since 2020 when I was at the lowest point of my life.

To dare to say that I have any regrets would be the ultimate insult, the ultimate act of ingratitude - it would be like spitting on the lifeline that has been mercifully thrown at me.

The reason why I haven't reached the milestones that I thought I should have reached by this point, is because I am still a F*ckING IDIOT.

And this situation will change once I stop being a F*ckING IDIOT.

And, to that end - in 2025 - I will implement a very militaristic/mathematical approach to achieving goals, as described in this post.

---

Thanks @MJ DeMarco for creating this thread - and for creating the forum in which it was posted.

And thanks to all the Fastlaners who have NOT given up and will NOT give up until they reach terminal velocity on this amazing highway we all got the opportunity to drive on.

I wish everyone a very F*cking difficult and challenging 2025, with battles and triumphs, with exploration and conquest.

Defy the imaginary boundaries of what you think you can and cannot do. Now it's the time to be anything and everything that you can dream of, for life offers no refunds for wasted time.

To victory.

 

[Balbina2028]

How many of us here self-reflect on the year?

The year end/beginning marks the line between what was and what could be.

Here are some questions that can help you assess how your year went.

Simply copy and answer, let us know how things went. I'll start!!

1. What was your biggest triumph? Was there several, or none? Why?
2. What was your biggest struggle? Did you overcome it? If not, how can you change it?
3. What new habits did your form, if any?
4. Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
5. Are you better off physically and mentally? What worked, or went off the rails?
6. Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
7. Did you learn anything new? Why or why not?
8. How have the relationships in your life evolved? Improved? Worsened?
9. What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
10. What small joys or moments made your days brighter?

My answers...

What was your biggest triumph? Was there several, or none? Why?
Many small triumphs, like learning how to play piano, elevating my health/fitness/wellness, and structuring a new book that I am absolutely excited about writing, and finishing. Oh, transforming this forum into a private community as well!

What was your biggest struggle? Did you overcome it? If not, how can you change it?
Doing the work when things get hard, or when "I don't feel like it" -- accept the hardship, knowing it delivers ease.

What new habits did your form, if any?
Yes, I drink a daily health cocktail that doesn't taste well, I practice piano 4-5X a week, and I joined a gym (despite having my own home gym) I'm more regular at the gym and also created jump rope habit.

Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
Yes, I continued my 24 year winning streak of improved net worth. However, my energies have largely transitioned to health interests so this is not so much a large concern.

Are you better off physically and mentally? What worked, or went off the rails?
Yes, I've eliminated sugar from my life as well as most processed food. The piano is considered a cognitive exercise. I put on a lot of muscle and reduced bodyfat, returned to my youthful days in my late 20s where I can fit into size 31/32 jeans.

Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
No regrets other than I wish it didn't take me so long to publish new books.

Did you learn anything new? Why or why not?
Yes, see above.

How have the relationships in your life evolved? Improved? Worsened?
The three most important relationships in my life have improved ... I need to work on my relationships that are on the periphery.

What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
Anger: Social media and news. This was another triumph not listed above as I largely have exorcised all social media and news from my life. The news I hear tends to flow through here, through my stock market trading platform, or through 1440 newsletter.

Disappointing? Sadness? Hearing people in my life complain about their deteriorating health in their 40s/50s as they treat themselves with 5 medications and yet, refuse to change any of the crap they put in their mouth. You can't eat anything you want —whenever you want— without severe consequences.

Guilt: I need to learn how to just take a break without feeling guilty about not being here at the forum, or advancing on a writing project.

What small joys or moments made your days brighter?
Deep discussions with my wife. Petting the dog, walking the dog in nature. A walk through the cemetery to embrace the shortness of life. Watching my stepson evolve as a wonderful human being.

Thank you for sharing your 2024 takeaways. Yes please take a break. You are loved and accepted without having to perform -- I know you know that but it's just a reminder for all of us

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[Balbina2028]

Biggest triumph:

• Almost fully recovered mental health and cognitive function through fasting and metabolic treatment.

Biggest struggle:

• Failed to quit nicotine, repeatedly.

New habits:

• Near-perfect adherence to my diet protocol.

Better off financially:

• Not by a substantial margin - but I like to believe that I've built the foundation for my next business. I hope I am not deluding myself.

Better off health:

• Off the charts. 2024 was a heavenly miracle that marked the beginning of my neurological rebirth.

Any regrets:

• I want to achieve more and do it faster, but I understand that this year has been a stepping stone for my future plans. Again, I hope I am not fooling myself with wishful thinking.

Learned anything new:

• Improved English, some would say quite substantially.

Relationships:

• Greatly improved.

What makes my day brighter:

• Life itself is now the most entertaining and addictive video game I've ever played. I can't F*cking wait to wake up and go to work.

---

Overall​

This year has been nothing short of a heavenly miracle and was my best year since 2020 when I was at the lowest point of my life.

To dare to say that I have any regrets would be the ultimate insult, the ultimate act of ingratitude - it would be like spitting on the lifeline that has been mercifully thrown at me.

The reason why I haven't reached the milestones that I thought I should have reached by this point, is because I am still a F*ckING IDIOT.

And this situation will change once I stop being a F*ckING IDIOT.

And, to that end - in 2025 - I will implement a very militaristic/mathematical approach to achieving goals, as described in this post.

---

Thanks @MJ DeMarco for creating this thread - and for creating the forum in which it was posted.

And thanks to all the Fastlaners who have NOT given up and will NOT give up until they reach terminal velocity on this amazing highway we all got the opportunity to drive on.

I wish everyone a very F*cking difficult and challenging 2025, with battles and triumphs, with exploration and conquest.

Defy the imaginary boundaries of what you think you can and cannot do. Now it's the time to be anything and everything that you can dream of, for life offers no refunds for wasted time.

To victory.

How many of us here self-reflect on the year?

The year end/beginning marks the line between what was and what could be.

Here are some questions that can help you assess how your year went.

Simply copy and answer, let us know how things went. I'll start!!

1. What was your biggest triumph? Was there several, or none? Why?
2. What was your biggest struggle? Did you overcome it? If not, how can you change it?
3. What new habits did your form, if any?
4. Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
5. Are you better off physically and mentally? What worked, or went off the rails?
6. Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
7. Did you learn anything new? Why or why not?
8. How have the relationships in your life evolved? Improved? Worsened?
9. What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
10. What small joys or moments made your days brighter?

My answers...

What was your biggest triumph? Was there several, or none? Why?
Many small triumphs, like learning how to play piano, elevating my health/fitness/wellness, and structuring a new book that I am absolutely excited about writing, and finishing. Oh, transforming this forum into a private community as well!

What was your biggest struggle? Did you overcome it? If not, how can you change it?
Doing the work when things get hard, or when "I don't feel like it" -- accept the hardship, knowing it delivers ease.

What new habits did your form, if any?
Yes, I drink a daily health cocktail that doesn't taste well, I practice piano 4-5X a week, and I joined a gym (despite having my own home gym) I'm more regular at the gym and also created jump rope habit.

Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
Yes, I continued my 24 year winning streak of improved net worth. However, my energies have largely transitioned to health interests so this is not so much a large concern.

Are you better off physically and mentally? What worked, or went off the rails?
Yes, I've eliminated sugar from my life as well as most processed food. The piano is considered a cognitive exercise. I put on a lot of muscle and reduced bodyfat, returned to my youthful days in my late 20s where I can fit into size 31/32 jeans.

Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
No regrets other than I wish it didn't take me so long to publish new books.

Did you learn anything new? Why or why not?
Yes, see above.

How have the relationships in your life evolved? Improved? Worsened?
The three most important relationships in my life have improved ... I need to work on my relationships that are on the periphery.

What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
Anger: Social media and news. This was another triumph not listed above as I largely have exorcised all social media and news from my life. The news I hear tends to flow through here, through my stock market trading platform, or through 1440 newsletter.

Disappointing? Sadness? Hearing people in my life complain about their deteriorating health in their 40s/50s as they treat themselves with 5 medications and yet, refuse to change any of the crap they put in their mouth. You can't eat anything you want —whenever you want— without severe consequences.

Guilt: I need to learn how to just take a break without feeling guilty about not being here at the forum, or advancing on a writing project.

What small joys or moments made your days brighter?
Deep discussions with my wife. Petting the dog, walking the dog in nature. A walk through the cemetery to embrace the shortness of life. Watching my stepson evolve as a wonderful human being.

How many of us here self-reflect on the year?

The year end/beginning marks the line between what was and what could be.

Here are some questions that can help you assess how your year went.

Simply copy and answer, let us know how things went. I'll start!!

1. What was your biggest triumph? Was there several, or none? Why?
2. What was your biggest struggle? Did you overcome it? If not, how can you change it?
3. What new habits did your form, if any?
4. Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
5. Are you better off physically and mentally? What worked, or went off the rails?
6. Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
7. Did you learn anything new? Why or why not?
8. How have the relationships in your life evolved? Improved? Worsened?
9. What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
10. What small joys or moments made your days brighter?

My answers...

What was your biggest triumph? Was there several, or none? Why?
Many small triumphs, like learning how to play piano, elevating my health/fitness/wellness, and structuring a new book that I am absolutely excited about writing, and finishing. Oh, transforming this forum into a private community as well!

What was your biggest struggle? Did you overcome it? If not, how can you change it?
Doing the work when things get hard, or when "I don't feel like it" -- accept the hardship, knowing it delivers ease.

What new habits did your form, if any?
Yes, I drink a daily health cocktail that doesn't taste well, I practice piano 4-5X a week, and I joined a gym (despite having my own home gym) I'm more regular at the gym and also created jump rope habit.

Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
Yes, I continued my 24 year winning streak of improved net worth. However, my energies have largely transitioned to health interests so this is not so much a large concern.

Are you better off physically and mentally? What worked, or went off the rails?
Yes, I've eliminated sugar from my life as well as most processed food. The piano is considered a cognitive exercise. I put on a lot of muscle and reduced bodyfat, returned to my youthful days in my late 20s where I can fit into size 31/32 jeans.

Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
No regrets other than I wish it didn't take me so long to publish new books.

Did you learn anything new? Why or why not?
Yes, see above.

How have the relationships in your life evolved? Improved? Worsened?
The three most important relationships in my life have improved ... I need to work on my relationships that are on the periphery.

What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
Anger: Social media and news. This was another triumph not listed above as I largely have exorcised all social media and news from my life. The news I hear tends to flow through here, through my stock market trading platform, or through 1440 newsletter.

Disappointing? Sadness? Hearing people in my life complain about their deteriorating health in their 40s/50s as they treat themselves with 5 medications and yet, refuse to change any of the crap they put in their mouth. You can't eat anything you want —whenever you want— without severe consequences.

Guilt: I need to learn how to just take a break without feeling guilty about not being here at the forum, or advancing on a writing project.

What small joys or moments made your days brighter?
Deep discussions with my wife. Petting the dog, walking the dog in nature. A walk through the cemetery to embrace the shortness of life. Watching my stepson evolve as a wonderful human being.

1. What was your biggest triumph? Was there several, or none? Why?
2. What was your biggest struggle? Did you overcome it? If not, how can you change it?
3. What new habits did your form, if any?
4. Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
5. Are you better off physically and mentally? What worked, or went off the rails?
6. Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
7. Did you learn anything new? Why or why not?
8. How have the relationships in your life evolved? Improved? Worsened?
9. What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
10. What small joys or moments made your days brighter?

How many of us here self-reflect on the year?

The year end/beginning marks the line between what was and what could be.

Here are some questions that can help you assess how your year went.

Simply copy and answer, let us know how things went. I'll start!!

1. What was your biggest triumph? Was there several, or none? Why?
2. What was your biggest struggle? Did you overcome it? If not, how can you change it?
3. What new habits did your form, if any?
4. Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
5. Are you better off physically and mentally? What worked, or went off the rails?
6. Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
7. Did you learn anything new? Why or why not?
8. How have the relationships in your life evolved? Improved? Worsened?
9. What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
10. What small joys or moments made your days brighter?

My answers...

What was your biggest triumph? Was there several, or none? Why?
Many small triumphs, like learning how to play piano, elevating my health/fitness/wellness, and structuring a new book that I am absolutely excited about writing, and finishing. Oh, transforming this forum into a private community as well!

What was your biggest struggle? Did you overcome it? If not, how can you change it?
Doing the work when things get hard, or when "I don't feel like it" -- accept the hardship, knowing it delivers ease.

What new habits did your form, if any?
Yes, I drink a daily health cocktail that doesn't taste well, I practice piano 4-5X a week, and I joined a gym (despite having my own home gym) I'm more regular at the gym and also created jump rope habit.

Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
Yes, I continued my 24 year winning streak of improved net worth. However, my energies have largely transitioned to health interests so this is not so much a large concern.

Are you better off physically and mentally? What worked, or went off the rails?
Yes, I've eliminated sugar from my life as well as most processed food. The piano is considered a cognitive exercise. I put on a lot of muscle and reduced bodyfat, returned to my youthful days in my late 20s where I can fit into size 31/32 jeans.

Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
No regrets other than I wish it didn't take me so long to publish new books.

Did you learn anything new? Why or why not?
Yes, see above.

How have the relationships in your life evolved? Improved? Worsened?
The three most important relationships in my life have improved ... I need to work on my relationships that are on the periphery.

What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
Anger: Social media and news. This was another triumph not listed above as I largely have exorcised all social media and news from my life. The news I hear tends to flow through here, through my stock market trading platform, or through 1440 newsletter.

Disappointing? Sadness? Hearing people in my life complain about their deteriorating health in their 40s/50s as they treat themselves with 5 medications and yet, refuse to change any of the crap they put in their mouth. You can't eat anything you want —whenever you want— without severe consequences.

Guilt: I need to learn how to just take a break without feeling guilty about not being here at the forum, or advancing on a writing project.

What small joys or moments made your days brighter?
Deep discussions with my wife. Petting the dog, walking the dog in nature. A walk through the cemetery to embrace the shortness of life. Watching my stepson evolve as a wonderful human being.

1. What was your biggest tr

How many of us here self-reflect on the year?

The year end/beginning marks the line between what was and what could be.

Here are some questions that can help you assess how your year went.

Simply copy and answer, let us know how things went. I'll start!!

1. What was your biggest triumph? Was there several, or none? Why?
2. What was your biggest struggle? Did you overcome it? If not, how can you change it?
3. What new habits did your form, if any?
4. Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
5. Are you better off physically and mentally? What worked, or went off the rails?
6. Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
7. Did you learn anything new? Why or why not?
8. How have the relationships in your life evolved? Improved? Worsened?
9. What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
10. What small joys or moments made your days brighter?

My answers...

What was your biggest triumph? Was there several, or none? Why?
Many small triumphs, like learning how to play piano, elevating my health/fitness/wellness, and structuring a new book that I am absolutely excited about writing, and finishing. Oh, transforming this forum into a private community as well!

What was your biggest struggle? Did you overcome it? If not, how can you change it?
Doing the work when things get hard, or when "I don't feel like it" -- accept the hardship, knowing it delivers ease.

What new habits did your form, if any?
Yes, I drink a daily health cocktail that doesn't taste well, I practice piano 4-5X a week, and I joined a gym (despite having my own home gym) I'm more regular at the gym and also created jump rope habit.

Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
Yes, I continued my 24 year winning streak of improved net worth. However, my energies have largely transitioned to health interests so this is not so much a large concern.

Are you better off physically and mentally? What worked, or went off the rails?
Yes, I've eliminated sugar from my life as well as most processed food. The piano is considered a cognitive exercise. I put on a lot of muscle and reduced bodyfat, returned to my youthful days in my late 20s where I can fit into size 31/32 jeans.

Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
No regrets other than I wish it didn't take me so long to publish new books.

Did you learn anything new? Why or why not?
Yes, see above.

How have the relationships in your life evolved? Improved? Worsened?
The three most important relationships in my life have improved ... I need to work on my relationships that are on the periphery.

What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
Anger: Social media and news. This was another triumph not listed above as I largely have exorcised all social media and news from my life. The news I hear tends to flow through here, through my stock market trading platform, or through 1440 newsletter.

Disappointing? Sadness? Hearing people in my life complain about their deteriorating health in their 40s/50s as they treat themselves with 5 medications and yet, refuse to change any of the crap they put in their mouth. You can't eat anything you want —whenever you want— without severe consequences.

Guilt: I need to learn how to just take a break without feeling guilty about not being here at the forum, or advancing on a writing project.

What small joys or moments made your days brighter?
Deep discussions with my wife. Petting the dog, walking the dog in nature. A walk through the cemetery to embrace the shortness of life. Watching my stepson evolve as a wonderful human being.

What was your biggest triumph?
Celebrated 2-1/2 years of writing morning pages, adult ballet practice, and clean fasting

What was your biggest struggle? Did you overcome it? If not, how can you change it?
Becoming aware that I will be broke unless I focus on financial autonomy - my focus for 2025

What new habits did your form, if any?
90 days of monk mode Oct 1 to Dec 31 to think and plan my 2025 - First 12 weeks of the year

Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
Yes but it was trading time for money. This is no longer serving me

Are you better off physically and mentally? What worked, or went off the rails?
I'm feeling better than ever.

Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
No regrets.

Did you learn anything new? Why or why not?
The idea that God loves and accepts me; and that I am created to create.

How have the relationships in your life evolved? Improved? Worsened?
Let go of peripheral friendships and I'm happy about that.

What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
When I felt out of control - take time to journal, pray, share with my husband, and seek solution.

What small joys or moments made your days brighter?
Daily sunshine walks, and excursions to my favorite places (botanical garden, museum); deep work and time with my hubby.

 

[aboutkaizen]

What was your biggest triumph? Was there several or none? Why?

• Stopped Drinking Alcohol
• Stopped Drinking Caffeine
• Ended a miserable relationship
• Found a partner that aligns with my values
• Learned TM (Transcendental Meditation)
• Found a 55K a month job (More buffer to save money with less work)
• Got my credit card to start building my credit score
• Finally lived in a solo apartment (I was living with 3 guys for my first 3.5 years of corporate job after graduation)
• Progressed on my business (Though I'm planning to set aside this one since I lost interest and miserable with the project)
• Deleted Instagram, tiktok and twitter
• Added Website and App Blockers on my Laptop and Android Phone. These are blockers that is so freaking hard to cheat.
• Learned small set of skills: Canva, Capcut, FB Ads
• Improved my cognition

What was your biggest struggle? Did you overcome it? If not, how can you change it?

• Pornography. Yeap, I'm embarrassed to be vulnerable and admit this as I see this as a great failure of my manhood. Though i mitigated this through impossible-to-cheat blockers this October.
• Procrastination. Another big struggle of mine. Hard to build drive and discipline to finish tasks.
• Prioritization. I struggled with tasks. I actively procrastinate by doing those tasks that do not move the needle or my critical path.

What habits did you form, if any?

• Sleeping and waking up early
• Meditation
• Staying out of social media

Are you better off financially at the end of 2024 vs 2023? What worked and what didn't?

• Yes. I increased my net worth by 82%. Increased it with a slow lane strategy. Find a higher paying job and spend less. Though I generated some business income on my web design project and my side business.

Are you better off physically and mentally? What worked or went off the rails?

• Physically, I still maintained my weight at 129 lbs (I'm 5'7")
• Mentally, I improved on how I think compared to 2023. There are times that I just feel sluggish because I stopped taking coffee. Though I think there are deeper root causes than just stopping coffee.

Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?

• Cutting losses quickly. In terms of relationships, finances, and health.

Did you learn anything new? Why or why not?

• FB Ads
• Capcut
• TM
• Excel (Though I'm miserable with this skill already)

How have the relationships in your life evolved? Improved? or worsened?

• Found a partner that matches my values
• Neutral for my family
• I stagnated and didn't progress in building my network. One main focus for 2025

What triggered negative emotions, such as guilt, anger, sadness or disappointment?

• Anger & Anxiety. Politics and corruption. I have to accept that I'm inside a flawed system and how much bitching I do will not change a damn thing about what's happening here in the Philippines. Either I get out of the country or stay. Since I don't have the financial means (also given that we have a weak currency) to get out of the country, I have to accept the flawed system for now. Plus, entrepreneurship is still viable here in PH as long as I stay in Manila.
• Disappointment. Empty promises. When people promise things and when they can't fulfill it, they just create random BS excuses just to get out of the dilemma they put themselves in. I learned to have less expectations of people and believe their actions, not their words.
• Guilt. When I don't do things that move me to my goals. I tend to sacrifice rest and enjoyment because I feel guilty (This might be the aftermath of watching too many Alex Hormozi videos - that you always need to be in overdrive and working). Well, this overdrive mode just led to me experiencing burnout and losing interest on projects.

What small joys or moments made your days brighter?

• Giving gifts without expecting anything in return
• Greeting someone with compliments
• My landlady's dog always visiting my apartment and playing with me
• Hanging out with my girlfriend and just laugh randomly on little silly things
• Waling/ Jogging/ Cycling in nature

 

[ThomasTLM]

I love reflecting on the past year. The day that this thread got posted I had asked my wife "What even happened this year??" It's good to look back to contemplate more fully what you've been through.

That being said, my wife and I reflected on these questions together...

1. What was your biggest triumph? Was there several, or none? Why?
My wife and I agreed that our biggest triumph was taking care of our son. He was born back in August of 2023 and he has had several complications along the way. It wasn't ever anything life threatening or anything that would be life changing for him, but we discovered a few months in that he had a pretty severe allergy to dairy products and eggs.

Additionally, he has had some trouble movement-wise. Thankfully in the past several months he has increased his mobility quite a lot with the help of a pediatric physical therapist that comes by to our home every once in a while.

There's more to this, but all of these things and dealing with the financial burden that they impose have probably been the biggest triumph.

2. What was your biggest struggle? Did you overcome it? If not, how can you change it?

See #1 lol.

For real though, learning how to adjust our life and expectations because of our son and learning how to be good parents was a big struggle.

Note: I want to make it clear that he wasn't the burden. It was simply the learning curve for taking care of him.

3. What new habits did your form, if any?

For myself, the habit I broke was playing video games. See this thread.

For my wife (and I second this habit), we both think be have been better at analyzing our current friendships and realizing who is a good friend and who isn't. The people who we realized aren't our good friends don't hate us or something, but our goals simply aren't aligned the same way that they are with others.

4. Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?

Hospital bills at the second half of 2023 royally f-cked our finances. 2024 was all about keeping better track of our finances and looking for alternatives sources of income - which eventually led me to read TMF in the span of a week and join this forum. Although our bank account isn't as full as we would like, I think our finances are still better than they were at the end of 2023.

5. Are you better off physically, mentally, and spiritually? What worked, or went off the rails?

I think the gist of 2024 was basically being in "recovery mode". At the end of 2023 we were at our wits end and were seemingly struggling to survive. We are better off in all of these categories, but that's only because we were at such a low in 2023.
6. Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?

We both regret having so much negativity about last year. We both have been using the How We Feel app to track our emotions. (I highly recommend checking it out btw.)
My wife specifically has started reading "The Empowered Wife" by Laura Doyle. She wants to get ahead of the negative emotions and know what tools to use in order to get through the negative moments.
As for me, I'm not entirely sure yet. I'll just pray a lot and read good literature. I also think I need to get out of my bubble/my head and be a human being to those around me, especially my coworkers.

7. Did you learn anything new? Why or why not?

I've learned some basic web design and that entrepreneurship, while difficult, is simpler than people make it out to be.
I've also been developing my skill as a structural engineer. I think I learn something new most days, so I won't document them here.
My wife has further developed her skill in cooking. (She is a great cook and she became better this year).
Lastly we learned how to play Pickleball. So much fun.

8. How have the relationships in your life evolved? Improved? Worsened?

See #3.

9. What triggered negative emotions, such as guilt, anger, sadness, or disappointment?

Our family triggered disappointment a lot. There have been several instances where boundaries have been ignored to our detriment.

We both felt inadequate many times.
Because of our son's development, my wife has felt like she hasn't been doing a good enough job raising him at home while I'm at work. I felt upset because I always want to do more, but I can't be there for them while I'm at my job during the day.

10. What small joys or moments made your days brighter?

My wife says me coming home from work every day is a joyous moment especially because our son is excited that I am home.
We both like going to church together with our son during the week. It's a time when we can just rest in the Lord together, and it's one of the primary times when we feel like our own family.


Final note: This is my first end-of-year at the Fastlane Forum. My anniversary on here is March 6th. While I'm not super far into my entrepreneurial journey, I am very thankful that this forum is here to fall back on.
I see a lot of aspiring entrepreneurs who end up here talk about following one guru to the next and paying the price for it. I'm incredibly thankful that I never had that problem and that MJ clearly states in TMF that he isn't a guru and that he isn't trying to sell you a gazillion dollar course that may or may not grant you financial freedom. When I first read that part of TMF back in February, I knew MJ was legit.

“The future starts today, not tomorrow.”​

― Pope St. John Paul II

 

[Ayush6543]

1. What was your biggest triumph? Was there several, or none? Why?
   My biggest wins this year are getting 2 sales from my starter kit, building meaningful relationships, and practically applying marketing tactics.
   
   
2. What was your biggest struggle? Did you overcome it? If not, how can you change it?
   My biggest struggle was staying disciplined regardless of how I feel, and I have to admit to falling into long voids of video games and doomscrolling social media. I have completely stopped playing online battle royales and extraction shooters, deleted social media apps from my devices, and installed app blockers. I am having a hard time from last year, as I've got a taste of what it is really like to be an entrepreneur.
   
   
3. What new habits did your form, if any?
   I don't know whether I should call it a habit, but launching your idea into the real world rather than thinking or reading about it came from a mindset shift that happened last year after my web design biz failed, where I worked for months improving my portfolio and neglecting sales skills.
   
   
4. Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?
   No, financially I am in a worse place than last year because my parents have accumulated debt, but being a final-year high school student, I don't have much control over my life.
   
   
5. Are you better off physically and mentally? What worked, or went off the rails?
   Absolutely, my physical and mental health are great. As I mentioned above, minimizing overstimulating activities like video games and social media worked like a charm.
   
   
6. Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
   I ought to have put in more effort, tried new things, and gone after those 10/10 baddies. In 2025, my goal is to build a profitable business no matter how hard or stressful it gets.
   
   
7. Did you learn anything new? Why or why not?
   I learned a ton this year and one of the best advice was given to me by @heavy_industry "Never sacrifice meaningful relationships that bring you joy for the sake of "grinding". This will not improve your odds at business. Instead, it will destroy your brain and soul.".
   I also realized that no matter how great the product is, if nobody knows about it, then it's not worth a dime. Before starting my entrepreneurial journey, I read a lot that marketing was as important as the product but never truly understood it because I would listen to a lot of successful entrepreneurs like Steve Jobs and Sam Altman and they would say that a great product is everything.
   
   
8. How have the relationships in your life evolved? Improved? Worsened?
   The relationships between my parents and friends have improved a lot.
   
   
9. What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
   Fear of failure, not working hard enough, taking advice from people who are mediocres, close-minded approach towards life and business, etc.
   
   
10. What small joys or moments made your days brighter?
    spending time with my loved ones, going on walks in the woods, having small wins, and maintaining consistency for a reasonable number of days.

 

[Lou7]

(1) What was your biggest triumph? Was there several, or none? Why?
Not that many. Mainly because I was working on a job that didn’t had a great perspective in the future. And I didn’t work in my company as much as I could

1. Passed the interview and I’m now working in a company that optimizes e-commerce with AI (related to the business I’m creating). And they are good with it. Good for me to learn
2. Decided to launch my e-commerce with my wife and we are finishing the branding. I’m finally comfortable with the path I chose. I was struggling most of 2024
3. Vested 90% of stock options of my previous employee (and I’m buying them right now). The amount of stocks there may possibly get some millions for me in a 4-5 year spam. Exited there with good relationships and good money as well
4. Created a system of putting the hours I work in my business in the mirror. So I can see everyday what I’m doing and literally while looking at myself LOL
   
   
   (2) What was your biggest struggle? Did you overcome it? If not, how can you change it?

1- Being a leader in a company that I didn’t wanted to be part of anymore. Because of that, did lot’s of mistakes nad my ego was hurt. Didn’t overcome at that time. How I will overcome in the future: think with less anxiety and think deeply and calmly about the team dynamics. Instead of rushing to a solution because I’m being pressed against the wall.
2- The second one, working in the company I’m creating. I did not work everyday and was not so consistent. Also, the we hired somebody to help with the branding but it’s taking more time than expected. Will create the website and start selling in February ideally

(3) What new habits did your form, if any?

1- Working in my company first thing of the day, before working for someone else. Much better to do this because I’m fresh at the start of the day

2- I’m reading a looot more. And doing 250 aerobic intensity minutes every week, besides 4x weekly strength training.

3-waking up earlier (90% of the days, something like 5h30 - 6h30)

(4) Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?

No, the net worth is the same. Actually it is better because of the stock valuation of my stock options. But I don’t count it (there’s not much liquidity now). It’s basically the same because I could not save money. The first time in many years that it happened.

(5) Are you better off physically and mentally? What worked, or went off the rails?
I’m better physically and mentally. Stronger in body and spirit

(6) Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
Comparing myself to others mainly. I’m reading a lot about ego (Ryan Holiday is helping), meditation and praying as well. Also, I need to focus on myself.

And the leadership (mostly hiring and firing) decisions I made. Here, same as the second answer

(7) Did you learn anything new? Why or why not?
Yes. Effort does not mean success. And the path is more important than effort. I learned this the hard way. Also, things not always happen your way. Or at the speed that you wanted. But this does not mean that you should not keep pushing.

Also, I complicated the Goal Sumo in the beginning of the year. Will only use the paper version now. And the focus will be only the business. Wife is taking care of the wedding. And fitness is already inside my personality , it is natural for me to do it, don’t have to plan it

(8) How have the relationships in your life evolved? Improved? Worsened?
I’m closer to my fiance and parents. And I’m starting to feel that friends are important but not as family.

(9) What triggered negative emotions, such as guilt, anger, sadness, or disappointment?
Social media usage. Youtube shorts. Not waking up after the 1st alarm goes off.

(10) What small joys or moments made your days brighter?
Good one to think about…didn’t had that many. Gonna start going out with my wife once a week to do a romantic thing to relieve some stress. Will think more about this one

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[tpf]

What was your biggest triumph? Was there several, or none? Why?

Finally completed my PhD.


What was your biggest struggle? Did you overcome it? If not, how can you change it?

Mentally the PhD. Its not just completing writing it but then the viva (oral exam) and then doing the amendments to the thesis when I felt like I'd finished already. On top of that dealing with the 'is this good enough' worry.


What new habits did your form, if any?

Improved my ability to sit down and just focus on work without being / getting distracted.


Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?

Yes, mostly due to house prices going up loads in our area.


Are you better off physically and mentally? What worked, or went off the rails?

Mentally a bit better, due to completing PhD. Physically about the same. I damaged my sholder and had physio on my rotator cuff and it'd made a huge difference.

Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?

I'm so glad I can focus better, wish I'd learnt to do this sooner, I think this is quite a common thing though - judging from other people's replies on this thread.


Did you learn anything new? Why or why not?

Yes, some work related stuff. The ability to focus better. A business idea I'm working on. How powerful networking and connections can be.


How have the relationships in your life evolved? Improved? Worsened?

My relationship with my wife is stronger. Putting in the work with our teenager (nothing wrong or concerning, just it's a tough time, so keeping working on it)

Other family & friends are the same.

I started working on a business idea and was much more intentional about networking, building relationships and using any connections (however slight) and its really paid off in terms of support and getting the people I need together to work on it.


What triggered negative emotions, such as guilt, anger, sadness, or disappointment?

PhD- feelings of inadequacy 'is this hood enough?' I think this is usual and the feeling of achievement is great.


What small joys or moments made your days brighter?

Walking our youngest to school / back and talking with him enroute- really getting into his world. Local walks in nature either alone or with my wife.

Getting better & more confident at DIY (I'm dyslexic & dyspraxic which has caused me problems in the past).

 

[i_like_quinoa]

What was your biggest triumph? Was there several, or none? Why?

My biggest triumph was making consistent sales with my dropshipping store and getting to 5 figures after 2-3 month. This was huge because I had done it for years (on and off) but once I stuck to it, the penny dropped and the results finally started coming in.

What was your biggest struggle? Did you overcome it? If not, how can you change it?

My biggest struggle was being patient with no sales in the beginning. When I say patient, I mean not giving up and sticking with it. This is something that I hadn't done before.

What new habits did your form, if any?

Boxing at least 1 x week. And eating really healthy.

Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?

Hard to explain. I mean I still earn income from my main job, but there has been more investments into myself as opposed to spending it on the unncessary stuff.

Are you better off physically and mentally? What worked, or went off the rails?

Physically - I am better off because adding a good diet and going to the gym, but not caring about the outcome, has helped increased my strength and physique.
Mentally - I am okay, but I need to believe in myself more and trust that I will achieve big things. Mentally, I don't feel like I am there at all and there is always self doubt creeping in. e.g. I can't do this, I won't make it, This wont work, this is not in my destiny.

Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?

Slightly controversial, but I believe in god and the late half of the year - I lost some of my habits, in terms of regular worshipping. I am going to resume journaling again to re-build this habit.

Did you learn anything new? Why or why not?

• Copywriting
• Meta Ads
• Customer Service
• Klaviyo - Abandoned Cart Email Flow
• Wordpress
• Gmail Add Ons
• Notebook LLM

How have the relationships in your life evolved? Improved? Worsened?

I will keep this as private but I am grateful for the people around me

What triggered negative emotions, such as guilt, anger, sadness, or disappointment?

Anxiety at opening my customer service emails. I cannot wait for the day, where I hire someone to completely take this off my plate and I can block the notifications from my phone.

What small joys or moments made your days brighter?
Cereal, Oat Milk and Flaxseed. For some reason, super healthy and tastes like chocolate cereal. I can't explain why but it makes me happy that I found something healthy and tasty.

And also when my family is happy, I am also happy.

 

[DareDevil]

What was your biggest triumph? Were there several, or none? Why?
My biggest triumph is
1. I stopped money-chasing for life
why->

I started to understand that the world runs on needs, wants, and desires and an average person doesn't solve his or her problem but outsources it.
An entrepreneur's job is to catch his/her and provide a solution that matches the emotional needs of that person
The average person pays with the income that is generated from the value he/she provides to society, and yes money is
also, a tool is required to build the solution the amount depends on the solution's type and scale.
2. I have started taking action and making progress
​

What was your biggest struggle? Did you overcome it? If not, how can you change it?

My biggest struggle was recovery, a slowlane's job toxic work hours had broken my body, and a bad breakup had broken my mind. I was in a state where life and death were blurred, I was deeply disappointed in myself I was doing a lot of stupid things, but thankfully, I recovered.

What new habits did you form, if any?

1. Habit of finding and solving real-world problems (early in the game)
2. Habit of personal detachment (works but very hard to practice)
3. Habit of planning (kind of ok can be better)
4. Habit of action-taking (in progress I still suck)
5. habit of taking care of the body (happy with the current progress)

Are you better off financially at the end of 2024, versus the end of 2023? What worked, and didn't?

I am not earning right now, so it is pretty bad or worse compared to the Slowlane job's money

Are you better off physically and mentally? What worked, or went off the rails?

Physically - Ok but can be better
Mentally - Awesome -> Self-awareness was my biggest superpower I understood my emotions and solved whatever
issues it had step by step day by day and the process is ongoing.

Do you have any regrets, and if so, what can you do in 2025 to ensure that regret doesn't hold?
Regrets why this is all part of the process If I was 80 years old what would I say? No regrets baby!

Did you learn anything new? Why or why not?

- I learned tasks don't need to be too hard it's not 10x hard actions its the 1x input 100x output actions.
- System economics
- I understood that business is mostly a distribution system from MJ I am not worried about starting one and scaling.
- I posted in Fastlane forum articles, understood they are also solutions, and answered other people's main posts with the problem-solving approach I failed a bit, too I understand it depends on who your customers are and what they care
about.
- I understood relative value; everyone provides a solution, but the best ones get the most gold haha

- To sum it all up, I am internalizing the knowledge that MJ has provided to play the game well and win BIG, as many times as possible. There is no losing it is all feedback and course correction

How have the relationships in your life evolved? Improved? Worsened?

I left all my relationships internally I am out except family.
I keep all my ex-friends on the contact list, coz they will help me in testing my products and maybe SALES
( The reason for leaving most of them is they are bad influences)

What triggered negative emotions, such as guilt, anger, sadness, or disappointment?

-> Rejection emails from a lot of companies cause my years of slow lane experience is less (which I am proud of NOW)
-> Comparison I made myself miserable by comparing my progress with the progress of people who are ahead in the game.
-> Anger when I listen to slow lane talks
-> Disappointment when things did not work out faster.
What small joys or moments made your days brighter?
Helping my mom with gardening
Completing my to-do list