Trebuie sa stii ca se poate mai bine si trebuie sa stii si sa simti ca poti sa faci asta acum. Nu maine, acum.

Exista in jurul nostru oameni care par desprinsi dintr-o alta lume, alta specie, care isi sacrifa tot timpul pentru altii, care fac bine, care se agita pentru a salva vietile celor aflati in suferinta.

In aceasta categorie intra Vlad Voiculescu, un tanar care in casa parintilor a amenajat o tabara pentru copiii bolnavi de cancer, aduce din strainatate medicametele care aici lipsesc si ii ajuta pe romanii care merg la tratament peste granita. Si lista poate continua. Totul se intampla gratis.

Este vineri seara. Aeroportul Henri Coanda. Cursa de Viena a aterizat. Pe usa de la sosiri iese Vlad Voiculescu. Tine strans in mana o traista si e insotit de o doamna. Anca.

“Un super om, baiatul asta. E superman pentru mine. M-a ajutat foarte mult acum 3 ani...datorita lui zambesc acum”, spune ea. “El a fost singura mea salvare. Cand nu stiam unde sa apuc, el m-a ajutat cu acele medicamente pe care nu le gaseam nicaieri si l-am intalnit pe Vlad”

Acum 3 ani, Anca suferea de o boala grava. Medicii i-au recomandat medicamente care in Romania nu se gaseau. "I-am scris si in 10 minute mi-a raspus. Mi s-a parut incredibil." Si cazul Ancai poate fi multiplicat de sute si mii de ori. Oameni care si-au gasit salvarea prin Vlad.

Vlad lucreaza intr-o banca in Viena. Vine acasa aproape in fiecare saptamana. Acum mai bine de 8 ani cineva i-a cerut sa caute in Austria un medicament care aici nu se gasea. Pentru un copil bolnav de cancer. Asa a inceput totul. Rad pe rand oamenii i-au cerut ajutorul si Vlad a ajuns un fel caraus al medicamentelor pe care medicii din Romania le recomandau dar pacientii nu aveau de unde sa le cumpere. In special cele pentru boli grave care nu erau aduse de firmele din domeniu pentru ca erau ori prea ieftine, ori prea scumpe si nu reprezentau o afacere. Fara ele insa oamenii mor.

Pentru ca solicitarile nu se mai opreau, Vlad a facut un site in care oamenii intra si acum si cer ajutorul. La randul lui, apeleaza la prieteni si cunoscuti care cauta medicamente prin toata europa. La un moment dat, numarul celor care i-au sarit in ajutor a ajuns la cateva sute. Grupul a fost numit "Reteaua citostaticelor" si a devenit subiectul unui film documentar.

Reteaua exista si acum. El e Valeriu. Un taximetrist care de ani buni il ajuta pe Vlad. N-are voie sa intre pe aeroport asa ca il asteapta la rondul din fata aeroportului. A venit sa ia un antibiotic pe care il va duce la 3 copii bolnavi.

Vlad un soi aparte de om: ajuta pe oricine fara sa ceara vreodata ceva la schimb. E implicat intr-o sumedenie de proiecte. In primavara anului trecut prezenta cu entuziasm un proiect care parea atunci greu de realizat: avea in minte o tabara ridicata in America de actorul Paul Newman pentru copii bolnavi de cancer. “ Cand am vazut filmuletul ala, am zis ca daca fac asta pana mor atunci aia e o treaba.”

Ani la rand a cumparat fasie cu fasie un deal. Iar casa parintilor, dintr-un sat de langa Pucioasa, a fost complet transformata. A promis ca pe 17 august o sa intre pe poarta un autocar cu copii si voluntari si, in dimineata zile de 17 august, asa s-a intamplat. Copii si voluntari au umplut curtea si casa. Timp de 2 saptamani, acestor copii li s-au redat copilariile pe care le-au pierdut pe patul spitalului si speranta ca anul urmator se vor intoarce la distractie. Si asa s-a intamplat. S-au reintors anul acesta tot mai multi. Tabara s-a marit.

In total, in 4 saptamani, pe aici au trecut peste 80 de copii si o intreaga armata de voluntari. Pe voluntari i-am regasit acum in Pucioasa. Aici, la vara, va fi un helesteu in care copiii vor pescui si se vor plimba cu barcile. Voluntarii se pun pe curatat terenul iar Vlad merge acasa.

La Bucuresti, o aeronava SMURD astepta unda verde pe aeroportul Otopeni pentru a porni cu un ranit in incediul din Colectiv catre spitalul Akh din Viena. Vlad a vorbit la spital iar apoi ore in sir s-a agitat sa gaseasca sambata seara o ambulanta in Viena.

“Aproape orice oras din Europa ar fi fost incapabil sa gestioneze o cantitate atat de mare de pacienti cu arsuri atat de grave, dar cumva noi ne-am imbatosat asa prosteste. Sa spunem ca nu ne lipseste nimic. Asta am auzit destul de des zilele astea”, spune el.

Intr-o camera alaturata mama lui Vlad asculta cu fata incremenita. "E complicat sa-l vezi mereu cu telefonul, cu laptopul, nu am timp sa schimb 10 vorbe cu el cand vine acasa. E dificil sa-l vezi tot timpul, ma mai supar, dar imi trece cand vad ca lucrurile ies."

"Asta am vrut si eu sa spun ca pana la urma cea mai mare bucurie pe lumea asta este sa faci ce-ti place. Si lui ii place sa faca bine. Asta ii place, asta face. Bine ca ii iese.", zice si tatal lui

Intre timp, Vlad a facut rost de ambulanta. “Oamenii din colectiv erau oameni ca noi, erau de ai nostri”, spune el. “Chiar ma miram ca unii politicieni nu intelegeau de ce s-a trezit acuma tineretul sa se revolte. De aia. Ca erau oameni ca noi. Nu erau de-ai lor. Erau de-ai nostri. Chiar nu erau de ai lor.”

Era o discutie o discutie in gradina din spatele casei. A pus mana pe telefon, a sunat la Viena si o saptamana si-a luat concediu. “M-am dus la doctorul Arafat si i-am zis ca as vrea sa il ajut daca are nevoie de mine pentru a ajuta cu transferurile in straintate. Am mai facut asta in trecut si le stau la dispozitie.”

Timp de o saptamana a insotit echipele de medici din strainatate prin spitalele noastre. S-a ocupat de aprobari, a tinut legatura cu spitalele din strainatate si cu famiile victimelor. Cat a stat in Bucuresti, a reusit printre picaturi sa ajunga si la Institul Oncologic. Le organizeaza pustilor o petrecere in tabara de Mos Nicolae. A venit sa le dea vestea.

Rand pe rand, se aseaza in genunchi langa paturile lor si are o vorba pentru fiecare. Acum au ocazia sa-l cunoasca si parinti copiilor care au fost in tabara. De ce face toate lucrurile astea?

“Nu stiu. Raspunsul cinstit e nu stiu. M-am apucat de mai multe si lucrurile bune ti se intorc inzecit.” Despre voluntari spune ca sunt oameni unul si unul si ca, de fapt, “se ajuta pe ei. Fiecare ne ajutam pe noi.”

Acum are mai multe proiecte. MagicBox e unul dintre ele. In fiecare luna, pachete cu alimente si alte lucruri necesare pleca spre copiii cu probleme si nevoi. Anul trecut, in doar o saptamana in Magicamp, starea si viata lui denis s-au schimbat radical. Acum e unul dintre beneficiarii programului MagicBox. Acum e bine. I-a crescut parul si viata lui merge mai departe. Si el o sa fie in tabara de Mos Nicolae. Si proiecte vor fi multe. Facute de Vlad si de oamenii pe care i-a adunat in jurului.

Nu-i place sa vorbeasca in fata camerei. “Trebuie sa stii ca se poate mai bine si trebuie sa stii si sa simti ca poti sa faci asta acum. Nu maine, acum. Din clipa asta, daca noi doi avem o idee si credem foarte tare in ea, daca ne apucam acum, maine o sa ne uitam inapoi impreuna si o sa realizam ca am realizat deja foarte mult.”

Acum, pentru el a fost demult. Atunci s-a apucat de treaba si de la Viena sau de aici, unde vine aproape in fiecare saptamana, misca lucrurile, ajuta oameni, le alina suferintele si le salveaza de multe ori vietile, le rada zambetul. Vlad Voiculescu este unul dintre romanii care au iesit din rand si misca ceva in aceasta tara si ceva in noi care ne face la randul nostru sa nu stam, sa nu-l lasam singur si sa-l ajutam sa-si duca planurile mai departe.

The Ultimate Cheat Sheet For Investing All of Your Money

In the history of capitalism, this is the hardest time ever to invest. People are going broke, losing their jobs, and fear more than greed rules the news and tries to rule thoughts.

In short: people are scared. And I do think the uncertainty is going to rise quickly so I wanted to put this note together.

In 2001 and 2002 I lost all my money through bad investing. The same thing happened to me on a couple of occasions after that.

So why should anyone listen to me about investing? You shouldn’t. You shouldn’t listen to anyone at all about investing. This is your hard-earned money. Don’t blow it by listening to an idiot like me.

The most important three words in investing is: “I don’t know.” If someone doesn’t say that to you then they are lying.

I was preparing this morning for my podcast conversation I am having tomorrow with Stephen Dubner, co-author of Freakonomics and the upcoming “Think Like a Freak.” One of the statistics he points out is that CXO Advisory Group polled the predictions of 500 investment strategists and pundits. The “experts” had a 47% success rate. Good luck if you listen to any of them.

Here’s my experience (and perhaps I’ve learned the hard way about what NOT to do and a little bit about what TO do.):

I’ve run a hedge fund that was successful. I ran a fund of hedge funds, which means I’ve probably analyzed the track records and strategies of about 1000 different hedge funds.

I’ve learned one major thing, which I will repeat below: all of Wall Street is a scam.

I’ve been a venture capitalist and a successful angel investor (I was a horrible venture capitalist though – but I put that under the category of “does not work well with others”).

I can’t raise money anymore. Nor do I want to play that game. I don’t BS about my losses and everyone else does.

So I’m not in that business anymore. It’s too much work to run a fund anyway.

In the past 15 years I’ve tried every investing strategy out there. I honestly can’t think of a strategy I haven’t experimented with.

I’ve also wrote software to trade the markets automatically and I did very well with that but that industry is now dominated by the high frequency guys.

And I’ve written several books on my experiences investing, with topics ranging from automatic investing to Warren Buffett, to hedge funds, to long-term investing (my worse-selling book, “The Forever Portfolio,” which has sold 399 copies since it came out in December 2008, including one copy for the entire last quarter).

Incidentally, why publish a book called “The Forever Portfolio” during the worst financial crisis in history. I begged my publisher (Penguin) to postpone but they couldn’t. “It’s in the schedule” was their magic incantation. Publishers largely suck. The good news is: they will never make back the advance.

That said, all of the picks in that book have done excellently since then (Claudia proved this in a review of the book on Amazon but then was shamed into admitting she was my wife, which she did not at first disclose) but the one thing I am proud of is that I made a crossword puzzle for the book. I don’t know of any other investing book with a crossword puzzle in it.

So, Ok! Let’s get started. Don’t follow any of my advice. This is advice that I do and follow and it works for me.

A) Should I daytrade?

Only if you are also willing to take all of your money, rip it into tiny pieces, make cupcakes with one piece of money inside each cupcake and then eat all of the cupcakes.

Then you will get sick, and eat all of your money, but it will taste thrilling along the way. Which is what daytrading is.

B) I don’t believe you. Many people daytrade for a living.

No. I personally know of two. Maybe three. And they work 24 hours a day at it and have been doing it for a decade or more. So unless you want to put in that amount of time and be willing to lose a lot first then you shouldn’t do it.

One more thing: when you daytrade and lose money it’s not like a job.

When you go into a job you never lose money. If you show up for two weeks, you get paid. Even if you have been warned repeatedly about sexual harassment you still get paid. You might get fired but they won’t take your money.

The stock market takes your money on bad days.

Sometimes it takes a lot of your money. We’re not used to the brutality of that and it can destroy a person psychologically, which makes one (me) trade even worse.

C) Well, who makes money in the market then?

Three types of people:

1. People who hold stocks forever. Think: Warren Buffett (has never sold a share of Berkshire Hathaway since 1967) or Bill Gates (he sells shares but for 20 years basically held onto his MSFT stock).
2. People who hold stocks for a millionth of a second (see Michael Lewis’s book “Flash Boys” which I highly recommend.) This is borderline illegal and I don’t recommend it.
3. People who cheat.

I’ve seen it for 20 years. I’ve seen every scam. I can write a history of scams in the past 20 years.

Without describing them, here’s the history: Reg S, Calendar trading, Mutual fund timing, Death spirals, Front running, Pump and Dump, manipulating illiquid stocks, Ponzi schemes, and inside information. Inside information has always existed and always will exist. Those are scams from just the past 15 years. If I went back 50 years the list would be fifty times as big.

One time I wanted to raise money for one of my funds. I went to visit my neighbor’s boss. The boss had been returning a solid 12% per year for 20 years.

Everyone wanted to know how he did it. “Get some info while you are there,” a friend of mine in the business said when he heard I was visiting my neighbor’s boss.

The boss said to me, “I’m sorry, James. We like you and if you want to work here, then that would be great. But we have no idea what you would be doing with the money. And here at Bernard Madoff Securities, reputation is everything.”

So I didn’t raise money from Bernie Madoff although he wanted me to work there. Seemed like a very nice guy.

I was depressed when I left his offices in the so-called “lipstick building.” Why will I never be good enough? I thought.

Later, the same friend who wanted me to get “info” and “figure out how he does it” said to me: “we knew all along he was a crook.”

Which is another thing common in Wall Street. Everybody knows everything in retrospect and nobody ever admits they were wrong.

Show me a Wall Street pundit who says “I was wrong” and I’ll show you… I don’t know… something graphic and horrible and impossible [fill in blank].

Remember the magic words.

“I.” “Don’t.” “Know.”

D) So how can one make money in the market?

I told you about: #1. Pick some stocks and hold them forever.

E) What stocks should I hold?

Warren Buffett has some advice on this (and I know because I wrote THE book about him. A friend of mine who knows him told me my book was the only book that Buffett thought was accurate about him).

So since I don’t know anything, I will let Warren Buffett take over here.

He says, “If you think a company will be around 20 years from now then it is probably a good buy right now.”

I would add to that, based on what Warren does. It seems to me he has five criteria:

1. A company will be around 20 years from now.
2. At some point, company’s management has demonstrated in some way that they are honest, good people. If you can get to know management even better.
3. The company’s stock has crashed for some reason (think American Express in early 60s, which he loaded up on. Or Washington Post in the early 70s. Or Coca-Cola in the early 80s).
4. The company’s name is a strong brand: American Express, Coke, Disney, etc.
5. Demographics play a strong role. Especially if you can get into a rising demographic through the backdoor. I explain exactly how here.

With Coke, Buffett knew that everyone in the world would be drinking sugared water before long. Who can resist? He also started buying furniture companies right before the housing boom. He knew that as the population in the US grows, people will need chairs to sit on.

Note that Buffett is not what some people call a “Value investor.” But I won’t get into that discussion here.

F) What else?

One time I accidentally got an email that was intended for a famous well-known investor. It was from his broker and contained his portfolio. I can’t say how this accident happened but it did.

Of course, I opened the email.

This is a man who writes about lots of stocks.

His entire portfolio was in municipal bonds…

Municipal Bonds Have Become One Of The FEW Investments I Will Recommend

But you can’t just buy them and hope for the best…I came up with a very specific strategy during the last financial crisis that is very safe (and pays about 250x better than your savings account). I’ll Tell You How – Click Here

G) Should I put all of my money in stocks?

No, because you’ll never know anything about a company and you won’t get the kind of deals that Warren Buffett gets.

So use this guideline:

• no more than 3% of your portfolio in any one stock. But if the stock grows past 3% you can keep it. To quote Warren Buffett again: “If you have Lebron James on your team, you don’t trade him away.”
• no more than 30% of your portfolio in stocks (unless some of the stocks grow, in which case you just keep letting them grow).

G, Part 2) What is in a bubble?

Some hedge fund manager (David Einhorn) just said we might be in a tech bubble. Back to rule #1: He doesn’t know. It’s just a headline.

Bubbles don’t mean anything. We had an internet bubble in the 90s. Then a housing bubble. Bubbles bubbles bubbles. And if you just held through all of that, your stock portfolio right now would be about a percent from all-time highs.

So ignore cycles and bubbles and ups and downs.

And never ever read the news. The news has no idea about the financial world and what makes it tick. Any investing off the news is like taking out your eyes because you trust a blind person to drive you to work.

H) My friend has a business idea. Should I invest in it?

Probably not. But if you want a checklist, make sure these four boxes can be checked:

• The CEO has started and sold a business before.
• The business is a sector with a strong demographic headwind behind it. (or is that a tailwind?)
• The company has revenues and/or profits.
• You are getting a really good deal. (This is subjective but you can look at similar companies and what they were valued at.)

I can say this: every time I have invested with this approach it’s worked miracles. And every time I have not invested in this approach it’s been a disaster. Like, a CLUSTERF*(*K

Claudia doesn’t let me invest in a private company unless all four items on my checklist apply. It’s good to be able to say, “I love your idea but my wife won’t let me invest.”

After that, they usually say something like (….. you can imagine…) but I don’t care. I get to keep the money in my wallet and not give it to them.

Which is important because I tend to believe in everything people tell me.

I) What do you think of bitcoin?

I think bitcoin has about a 1 in 100 chance of being a survivor. So I have 1% of my portfolio in bitcoin. I can write a lot more on bitcoin. I sold “Choose Yourself” in bitcoins before the book was officially released. Bitcoin went up 500% after that.

I can explain everything about bitcoin but I can’t explain the future. So we’ll see.

J) What about metals as a hedge against inflation?

No, they have zero correlation with inflation. The best hedge against inflation is the US stock market since about 60% of revenues of the S&P 500 comes from foreign countries.

K) What about metals like gold? Don’t they have intrinsic value?

The only currency in the history of mankind that had actual intrinsic value was when people traded barley in the markets of the ancient city of Ur. Since then, we’ve developed currencies that depended on our faith in their value.

Every currency has faith and hope backing it. When people began to lose faith in US currency (in the Civil War), the words “In God We Trust” were put on the dollar bill to trick people into having faith in it.

But if you’re going to pick a metal, wait until the gold/silver ratio gets higher than it’s historical average and buy silver.

How come? Because silver is both a precious metal (like gold) and an industrial metal (also like gold, but much much cheaper). So there actually is some intrinsic value in silver.

I bought some silver bars back in 2005. But then lost them when I moved. That’s why nobody should listen to me about investing.

L) What about mutual funds?

No. Mutual funds, and the bank representatives that push them, consistently lie about the fees they are charging. I know this from experience.

One time I accompanied a friend of mine who had made some money (she was a model and had a good run for awhile) and was looking to invest it. She asked me to go with her to see her bank representative who had some “ideas.” Because she was beautiful, I went with her to the bank.

I didn’t talk at all during the meeting but jotted down every time the bank guy lied. He lied five times.

Afterwards I explained each of the lies to her.

What happened? She put all her money with the guy. “He’s practically family.” I can’t argue with a good salesman.

But he lied about the mutual funds’ performance that he was pitching, the fees they were charging, the commissions he was charging, and a few more I can’t remember now. I wrote an article about it in the Financial Times back then.

Fact: Mutual funds don’t outperform the general market so better to invest in the general market without paying the extra layer of fees.

Use the criteria I describe above, pick 20 companies and invest.

M) What are some good demographic trends?

1. The internet. Yes, it’s still growing.
2. Baby boomers retiring. They need special facilities to live in. They need better cancer diagnostics and treatments.
3. Energy. The more people we have, the more energy we will consume. Go for energy sources that are profitable and don’t need government subsidies. Whenever you depend on the government, you could get in trouble.
4. Temp staffing. Every company is firing people and replacing them with temp staffers.
5. Batteries. If you can figure out how to invest in Lithium, then go for it. I explain easy ways to invest in demographic trends that in ways other people aren’t looking in my Backdoor Investing Checklist.
6. and a dozen others. Feel free to list more in the comments. I plan on covering more in my email newsletter.

(Related Post: How I Make Money Off of Trends)

N) Is a house a good investment?

Everyone will disagree with me on this but the answer is an emphatic “NO!”

It has all the qualities of a horrible investment:

a) Constant extra layers of fees and taxes that never go away (maintenance, property taxes, etc that all rise with inflation).

b) Usually housing is too-large a percentage of someone’s portfolio. Even just the down-payment ends up being the largest expense of someone’s life.

c) Usually massive debt is involved.

If you can avoid, “a,” “b,” and “c” and don’t mind the opportunity cost in the time required to maintain your house then go for it. Else, rent, and use the money you saved for other investments that will be less stressful and pay off more.

Fact: Housing has returned 0.2% per year in the past 100 years.

(Related Post: It’s Financial Suicide to Own a House)

O) If no housing and only 30% of my portfolio in stocks, then what should I do with the rest of my money?

Why are you in such a rush to put all of your money to work? Relax! Don’t do it!

There’s a saying “cash is king” for a reason. I will even say “cash is queen” because on the chessboard the king is just a figurehead and the queen is the most valuable piece.

Cash is a beautiful thing to have. You can pay for all of your basic needs with it.

You can sleep at night knowing there is cash in the bank.

I love a stress-free life. When I look back at the past 15 years, the times when I’ve been most stressed is when I’ve been heavily invested and the times when I’ve been least stressed is when I had cash in the bank.

With cash in the bank you can also invest in yourself.

P) What does that mean, “invest in myself?”

1. It costs almost nothing to start a business. Find something people want and start posting information about it on a blog and then upsell your services on the blog.Or write 1000 small books about different topics and publish them on Amazon. You can do this on the side while you learn and have a full time job and then when you are ready, you can jump to your other passive streams of income. I have a podcast coming up soon with a guy who makes $25,000 a month doing this. Note: It takes a lot of work to find “passive” income but when it happens, it’s worth it. These are some ideas. There are many others.
2. Invest in experiences rather than possessions. Figure out interesting and unique experiences you can have or places you can go to (but they don’t always have to be places). Experiences pay much higher dividends than an extra TV or a nicer car.
3. Books. Reading is the best return on investment. You have to live your entire life in order to know one life.But with reading you can know 1000s of people’s lives for almost no cost. What a great return!

Q) Should I save money with each paycheck?

No. Just try to make more money. That is easier than saving money. I find that whenever I try to save money I end up spending more. I don’t know why that is. I’m a horrible spender, which is probably why I’ve gone broke so many times.

Better to just make more with many streams of income so you don’t have to worry about going broke. And then saving will come naturally as you make more money.

Don’t forget that a salary will never make you money. After taxes and the daily grind, and your exhaustion and the feelings of “I hate my job,” and then inflation and then new expenses (kids), you will never be able to save. Avoiding Starbucks every day won’t make you a millionaire, that’s a fact.

I say it glibly, “try to make more money.” I know it’s not that easy. But in the long run, if you have a constant focus on alternative ways to make more money, then you will.

(Note: Every month I give multiple ways to make different streams of income in my newsletter, The Altucher Report)

R) What else should I do with my money?

Forget about it.

Money is just a side effect of health.

I talk a lot about the daily practice I started doing when I was at my lowest point.

I know now after years of doing it that it has worked. I’ve done very well with it, and I started doing it when I was dead broke, lonely, angry, depressed, and suicidal.

I didn’t start it from a position of privilege.

Here’s the whole thing: stay physically healthy in whatever way you know how (sleep well, eat well, exercise). Be around good people who love you and respect you and who you love and respect, and be grateful every day.

Think of new things each day (or all day) to be grateful for. “Gratitude” is another word for “Abundance” because the things you are most grateful for, become abundant in your life.

And finally, write down 10-20 bad ideas a day. Or good ideas. It doesn’t matter. After exercising my idea muscle for six months, I felt like an idea machine. It was like a super power that just wouldn’t stop. More on this in another post.

Money and abundance in your life is a natural side effect of the above. I know this for myself but now since writing about it for almost four years I can tell you from the letters I get that it works for others.

S) What’s in it for you?

I don’t know. I used to write about money stuff because I wanted investors in my hedge fund, or I wanted to sell books, or get speaking engagements. Now I want none of that.

I hate writing about finance now. Because it’s almost all bullshit and I don’t want to be like the other BS.

But I get worried that in a world of increasing economic uncertainty that more and more people are getting “stuck” and getting lied to and are scared about what is happening.

Most people will think I am giving bad advice. That’s fine. I just am trying to avoid the BS and I hope you do also.

Too many people I know are nervous and depressed.

There’s nothing else to know about investing your money. If your bank tries to give you any advice just say, “thanks but I’m OK.”

If they want you to put your money in a savings account, even “so you can get the interest” I would politely decline. There’s a reason they are asking you to do this and I have no idea what it is but it’s not good for you.

You won’t get rich investing your money but you can do very well. And if you combine that with investing in yourself, you will get wealthy.

But only if you remember that financial wealth is a side effect of real inner wealth.

This is the most powerful investment you can do with your time and your life.

You can always make money back when you’ve lost it.

But one single split moment of stress and anxiety you will never make back again.

Investing in the future will never bring back the past.

To be able to sit and not have a million stressful thoughts racing through your head. To be able to appreciate everything around you for the abundance it is.

Most people think they need to say “thank you” to the world.

But the world is constantly saying “thank you” to you for being alive, for creating new things, new energies, new experiences.

Every day give the world at least one more reason to whisper “thank you” to you.

If you can hear that whisper, everything else, every gift in life, becomes expected. You earned it.

Just take it.