Lifestyle Q&A Summary From 2023

Level 1 - NGMI

Welcome Avatar! As you know, we run a lifestyle Q&A over on Instagram from time to time. This is separate from the entire paid Q&A since we only allow for high-level questions related to travel, cities, health and other “non-core” topics. Here we’re going to summarize a ton of the repetitive ones. This way we can just link to this instead of doing them over and over again.

Where to Live

The USA is the only place we know well (for long-term living) and have said the same thing for about 2-3 years now. New York City, Dallas and Miami. They are different depending on who you are and what your goals are. If you can work remote and have *NO* earnings impact you should choose between Dallas and Miami. If you will lose upward mobility by leaving your current city, do not leave. Again. If you will lose money by leaving because you’re leaving customers/clients etc. You are a fool to leave.

No city is worth sacrificing your financial future.

After Set: Once you are set money wise, you can then choose one of those three cities. The only exception is someone with a family. In that case you could look at Southern California.

Per usual this is all opinion oriented but that’s really it. Four spots for various situations.

Dating/Wife/Kids

If you are going to listen to a cartoon bull on this topic, you’re better off skipping the entire process. A cartoon internet character should not impact your decision making on this topic at all.

That aside our “opinion” is pretty simple. If your goal is have kids 99.9% of people are better off looking outside the USA. They don’t make enough money and don’t have the ability to really compete at the top. So. 99.9% are better off dating someone from EE, Asia, South America etc.

Having a Wife and Kids: This is probably the most controversial one: we don’t care what you do.

The reason is simple.

If you need convincing to have kids, you’re probably not going to make a great parent. The only reason to have kids is if you want to pass on all your information, wealth, world view etc to the next generation. If you do not want to do this, then don’t do it.

Much better to not have kids if you are going to be a selfish parent and create a broken household anyway. So. If you’re going to have kids just take it seriously. If you don’t want to have kids then don’t have kids.

As a side note. One of the funnier things we’ve seen since scaling the socioeconomic ladder is ultra rich people moving around to save on taxes… Yet they are single and well past the age to find a decent mother. To us this is hilarious. The money goes straight back to the government!

Really no point in running up digits on a screen if the same digits are going back to Uncle Sam anyway. Typically just big insecurity/ego issues.

Have a Number to Stop Caring About Money

We’re aware the joke is going to be “In BTC terms, in ETH terms or in US Token Terms”

Since the majority miss the point with money, it should actually be measured in years of savings. If you have enough money to live for 250 years, it’s time to call it quits since you won’t be living past 250. If you have enough to live for 15 years and you’re 30… Got more work cut out for you.

No More Goal Post Moving: We’ve seen a lot of people fall into this trap. They get to a number, say $50 million. Then suddenly that’s not enough because someone else has $100M! Then they find someone else who has $1 billion! So on and so forth.

Besides Ego or Insecurity, there is no real reason to care about money at a certain point. Instead of insulting the random ultra wealthy who read this, we’ll just go with an extreme case. If you have $1 Billion, there is no way that having $1.2 Billion will change your life at all. Not one bit and there is no real exception to this.

At this point you can work (since you’d go crazy otherwise), but you shouldn’t be making any personal life sacrifices to get to higher digits on a screen. No point in getting that $200 million if you’re forced to do something you don’t want to do.

#1 Advice for People that are in their 20s

People who say things like “hahaha you must have bad friends/family members” have never made a dime in their lives. The only people who *don’t* have this issue are from huge amounts of wealth. It’s pretty easy to be happy for someone who makes it to say $200,000 a year but if you get to more significant numbers you’ll learn the hard way.

Anyone who starts at a low level and goes up the chain significantly knows this post is true.

No One: Your parents, your wife/gf, your best friend, your rich best friend etc. Not a single one needs to know how much you make or what you are worth. Be smart and always try to calculate what they have so you never upset them. You always have 80% or less relative to what they have.

The vast majority will be hoping for your failure and they’ll make back handed comments to imply you are making or have less than them. Instead of revealing, just lie down. Smile nod and agree. It will be the best decision you ever made.

No one enjoys seeing someone surpass them. They are always better than you (at everything) so it isn’t “fair”

Never Trade Health for Money

The title is a tad misleading. This is because your body can take maximum pain in your 20s with no real downside. You can go out on Taco Tuesday, rage with push-up bra Susan, go home at 2am and be at the gym by 8am hitting your normal lift efforts and run times. 4 hours of sleep? No biggie just catch up the next day.

When you’re 30? This declines significantly.

In the 35-40 range most people suffer a significant injury. Or they simply start gaining tons of weight.

The message here is that you should be going hard until you feel your body giving out. You’ll know. You’ve been working too hard when you do weird stuff like put the coffee grounds into the microwave. Your brain is just fried.

Delegation: Eventually this is what is going to save your health. The difference between scaling with a one stop shop and scaling while looking “young for your age” is automation and delegation. Find a few people who can get things done, find the correct software tools and watch your hours worked plummet. Also. If you’ve done things right your results are going to continue to improve.

Side Note: best to avoid advice from dudes who are rich but look like they are 10 years older than they actually are. Suggests they went the high stress route to make it. Not ideal.

Assume Incompetence vs. Malice

Generally speaking, most people are not particularly talented. They will fall for the same stuff over and over again. They can’t do basic math. They have no control of their emotions. They have to constantly compare themselves to other people. So on and so forth.

Instead of *assuming* someone was trying to burn you, ask if they were simply incompetent. 9/10 times you’ll realize it was incompetence.

Cost of Life

This is one we’ve finally figured out. There is a point where there is absolutely no reason to make sacrifices. This is usually when you’re financially set.

At this point, you shouldn’t sacrifice anything. This means you don’t take meetings unless you really want to. You don’t meet up with people to make an extra 1% of top-line revenue if you hate the guy. You don’t go to parties just because you “should”.

Eventually, there is a true life cost.

The simpler one that should resonate? Doing zero partying in your 20s. Sure… maybe you got ultra rich, but that time frame is never coming back. Better to go out 2x a week to make sure you didn’t “miss out”. Otherwise you’ll be that 40 year old dude with an R8 trying to go drink every weekend.

30s are much worse. They are the most valuable years of your life in many ways. Don’t screw it up!

Various Cities

Use the search guide for cities but for some reason people are lazy so here is the rapid fire

• Iceland great for vacation

• Frankfurt good

• Paris rip off but forced to go. Ideally go now while city is being cleaned up for the 2024 Olympics

• US cities already covered just dallas, miami and NYC. Southern california best for families

• Central/South America: Colombia - good, Mexico - good, Brazil - good, Panama - horrible, Buenos Aires - good, Dominican Republic - Terrible,

• Canada: Montreal in summer or Vancouver. Toronto largely not great for majority, can go if in your 30s and rich

• Other: Australia/New Zealand - not great women will probably like it

• Eastern Europe: Ideal for rich guys or dudes obsessed with fair skin women. Largely all the same. If you have money you’re fine. Btw, you probably want to have money. If not bring money

Fitness Stuff

You can look at how you transition from being as muscular as possible to longevity here (AJAC Post)

Generally speaking it’s pretty simple. Just eat meat, vegetables, sea food, fruits 99% of the time. Add light carbs.

• 20s: try to gain as much muscle and speed/power as possible. This is the *peak* and you will go down from peak performance around late 20s just like any pro athlete.

• 30s: try to maintain the speed/power since strength is easier to keep

• 40s and beyond: begin to focus on longevity and remove all extremely heavy lifting since injury risk is high

That’s the general set up. If you don’t get in shape earlier, you’re losing muscle memory and you’re largely screwed. So put the base up first and then move on.

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That should be the major summary if you have a specific lifestyle question we’ll take it here for about 24 hours.

We’re guessing everyone is going to focus on crypto soon so we’ll knock this one out now before a large number of you are able to disappear for good!

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