# Health  Have a consistent bedtime & sleep 8 hours each night. Maintain a healthy weight by controlling calorie consumption. Cook >80% of your own meals. Use raw sources. Drink water, unsweetened tea, and black coffee (almost) exclusively. Try to move (walk, stretch) consistently throughout the day. Exercise 3-4 times a week for 30-45 minutes. Mix aerobic (e.g. jogging), anaerobic (lifting), and balance/flexibility (e.g. yoga) for a well-rounded routine. Wear protection (condoms & sunscreen). Get a physical every year & get vaccinated. # Cyber Security  Passwords - use a password manager (e.g. Lastpass, Bitwarden) to generate strong, unique passwords for every account you have. The password for your password manager should be 20+ characters, with all character types. Never share personal information with anyone unless YOU initiated the communication. Use 2-factor authentication if it’s available. Back up your important data in multiple places. Pull your free credit reports annual: annualcreditreports.com Avoid public wifi networks or use a VPN. # Productivity  Have a consistent bedtime & sleep 8 hours each night. Use systems to manage your time & tasks (e.g. a calendar). Have an “inbox” to continually capture ideas, tasks, and notes. Review your systems and get to inbox zero at LEAST weekly. Write big, multi-year goals for yourself. Break them down into multiple smaller, measurable, time-based results. Consistently make time to do focused, distraction-free, sustained work toward these results. Work on ONE THING at a time. Say “no” to unimportant things & do what’s most important first. Take breaks between working sessions & move your body. # Personal Finance  Spend less than you earn. Avoid unnecessary expenses. Pay your credit card balance in full every month. Save at least 20% of your income. If you use an advisor, make them commit to a fiduciary standard. Buy a home when you’re ready to stay for ~5+ years. Buy inexpensive and well-diversified index mutual funds, and hold onto them for the long haul. Don’t buy or sell individual stocks. Avoid “actively managed” funds. Insure what’s valuable, including you. Max out tax-advantaged savings & employer match. # Happiness  Have a consistent bedtime & sleep 8 hours each night. Exercise most days. Eat and drink responsibly. Accept that you cannot be happy & satisfied all the time. If you’re always unhappy and dissatisfied, seek help. Don’t aim to be better than others; be better than you were. Don’t wait for a goal or a thing to make you happy. Enjoy the journey. The present is where we live our whole lives. Take things only as seriously as they need. Laugh & play more. Read more books and less news. Avoid advertising. Consume less. Create more. Take care of yourself. Then help others.