9 Money Principles I’d Tell My 17-Year-Old Self

money principles

I got my first decent-paying job when I was 17. It was a call center and I had to sell mobile phone subscriptions to people. The job wasn’t satisfying, but the money was pretty good for a 17-year-old, especially during the summer when I could work more.

I can’t remember exactly how much I made, but it was something like €2000 a month when I worked six days a week. Living with my parents, I had no expenses, so that was money I could spend or save. And like most people that age, I obviously did the former. 

I didn’t know any better. But over the years, I’ve learned a lot about money from simply observing wealthy people. If I could go back and teach myself some financial lessons, I would’ve changed my financial mindset way earlier. 

Here’s what I would tell myself.

Continue Reading

10 Ways to Raise Your Productivity Today

raise productivity

Let’s say you’ve been feeling unproductive for a while. You’re frustrated that your tasks are piling up, bills are left unpaid, and you’re feeling tired all the time. 

When this happens, people keep doing the same things hoping for a different outcome. They think “it’s just temporary” and that “things will get better soon.” 

But when they keep procrastinating and don’t find a way to be productive again, they all of a sudden find themselves out of shape, feeling down, and stuck at their careers.

In behavioral research, there’s a concept called “Optimism Bias” that explains why we keep doing the same things. It’s the false belief that negative outcomes will probably not happen to us. We assume being unproductive has no negative consequences. 

Continue Reading

My 88-Year-Old Grandfather’s Approach to Habit-Forming

habit-forming wisdom

My grandpa recently turned 88 years old. When I gave him a call on his birthday, he was as energetic as ever. I know he’s a disciplined man who relies on very strict routines. But I realized I never asked him about his habit-forming process.

He’s been doing the same things for all of his adult life. Back then, there were no books and blogs on habits. For example, he’s been going to bed and waking up at the same time for ages. 

Another thing he does is going for a daily walk. And he recently got a stationary bike that he also uses every day. One of the things I’ve been writing about for years is that you don’t need to look at scientific research on habits to figure out what to do.

Continue Reading

‘I Don’t Have Time’ Is Not the Real Problem

lack of direction vs time

I was recently talking to one of my students who took my course on productivity and overcoming procrastination.

She mentioned that she wanted to start a blog for 10 years! But she never took any action. And she eventually wanted to give up her goal. “Maybe it’s time to move on,” she said.

I can relate to that because I wanted to write for almost a decade before I actually started. I tried several different things and even tried my hand at writing fiction. But my goals never really materialized.

This is something almost everyone I know can relate to. Maybe you want to build a business, write a book, start a podcast, create an app, build a stock portfolio, but you never actually got around to doing it. Why is that?

Continue Reading