Wise & Wealthy: My financial mental model and getting excited

Welcome to Wise & Wealthy: A weekly newsletter full of proven ideas to become smarter and wealthier. I send this every Monday.

#58 – February 20, 2023

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Wise: Getting excited

When you go to bed at night, are you excited to wake up the next morning? Is there something you can’t wait for?

If your answer is no, find something that excites you.

It’s so important to have a feeling of, “I can’t wait for tomorrow,” when you go to bed. 

When you’re genuinely excited, you wake up the next day and make the best of it. 

It could be anything. Maybe you’re excited about trying a new breakfast. 

Or you just can’t wait to start reading a new book. Or you want to make progress on your business.

It’s a good way to live. If you have a bunch of those exciting days in a row it adds up to a good life.

↳ Are You Excited About Tomorrow?

Wealthy: Financial mental model

When it comes to spending money, I’ve made many mistakes. 

For instance, I think I bought a new winter jacket almost every year until four or five years ago when I finally decided to spend a grand on a high-quality jacket.

I spent probably twice as much in the ten prior years. But now that I have a good winter parka, I don’t even think about getting a new one. 

So I’m not spending any more money. I’m also not spending time and energy on finding new jackets. 

I call this way of looking at the world, or mental model, “Save time and money by spending well.”

In my latest article, I talk about how I apply that thinking to other areas of life.

↳ The Simple Mental Model That Changed My Financial Life

One interesting thing

“Life is divided into three periods,” according to the Stoic philosopher Seneca:

“that which has been, that which is, that which will be. Of these the present time is short, the future is doubtful, the past is certain.”

We can’t change what is certain and can’t control what is doubtful. Our job is to make the best of what is short: The present.

Thanks for reading! I hope you found this edition of Wise & Wealthy useful.

All the best,


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When you’re centered, nothing can hurt you. You will have inner peace no matter what happens.

How to unlock Stay Centered

You can join the challenge for free. Every day, you’ll receive a short email with a small challenge that inspires you to live better. 

I highly recommend sharing it with your friends so you can go through the program together. I did it with my team, which was a lot of fun. 

Join here: dariusforoux.com/stay-centered

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