Companies design complex cancellation processes to retain subscribers. A simple workaround is making subscription purchases through Apple Pay. This centralizes recurring payments in one dashboard, allowing you to cancel any service with a single click.
Relying on willpower or manual budgeting is a losing strategy because it's unsustainable and causes friction. The only proven, long-term method for building wealth is to automate savings and investments, removing daily decision-making from the equation.
When money is tight, people desire material possessions. However, once they achieve true financial freedom, the desire for 'stuff' often vanishes. The focus shifts entirely to non-material assets like experiences, health, and quality time.
Today's economy uses automation to either build your wealth through assets or drain it via consumer tech. There's no neutral ground; your financial systems determine whether you become automatically rich or automatically poor.
Many people set up automated contributions to their 401(k) or IRA but fail the crucial second step: choosing an investment. Their money then sits idle in a low-yield money market fund, earning almost nothing and negating decades of potential compound growth.
While on a career break, the author's deepest anxieties about failure and irrelevance were perfectly articulated by his young son. This reveals a dynamic where children can absorb and voice their parents' unspoken fears, serving as an unwitting mirror to the subconscious.
High-achievers fear sabbaticals will cause them to lose career momentum. In reality, a true break does more than recharge you—it installs a brand-new 'battery.' This leads to a profound reset, sparking greater creativity and more impactful work upon return.
Most financial planning starts with numbers, which is intimidating. A better approach is to first define your core values (e.g., family, freedom). When you are clear on what truly matters, the financial decisions required to support those values become obvious and easy.
Companies now auto-enroll employees in 401(k)s at a low 3% savings rate. While seemingly helpful, this is a trap. The rate is insufficient for retirement and gives employees a false sense of security, preventing them from saving the truly necessary 12-14%.
If your employer cut your pay by 10%, you'd find a way to survive. Apply this mental model to yourself by automating a 10% savings deduction. Don't wait until you earn more. You will adapt and 'figure it out' just as you would in a forced scenario.
A hidden trap in job-hopping is that your new company's 401(k) often resets your contribution rate to a low default (e.g., 3%), even if you were previously saving a higher percentage. According to Vanguard, this simple oversight can cost a retiree $300,000.
Instead of the standard goal to 10x income, a more life-altering question is, 'How can I 10x my free time?' This reframes success around personal freedom and fulfillment today, forcing you to design a life you enjoy now, not just one you can retire from later.
Regrets aren't about specific failures, but about consistently choosing the safe, logical path (the 'big boy/girl') over the intuitive, risk-taking inner voice (the 'little boy/girl'). A life without regret requires letting your inner child 'come out and play' at critical forks in the road.