If you're in a position to read this newsletter, you're likely closer to the life of a billionaire than you might think. Sure, the truly extravagant luxuries might be out of reach. You probably won’t own a private jet, fly across the world on a whim, or have the means to buy anything at any moment. But as someone who’s become very financially fortunate, I can tell you those things aren’t what really matter. They’re not what drive me each day or bring me genuine joy.
The things that truly make me happy are activities I enjoyed 10, 20, even 30 years ago when my means were far more modest. I hike the same trails accessible to anyone, swim in the same ocean, and paddle on the same waves. I ride my bike on the same paths and enjoy the same four-dollar cup of coffee that I would if I were less wealthy. I spent time with my family, have dinner and a glass of wine with my wife, play soccer with my grandkids.
These are the elements of life that matter, and they don't require a ton of money. Sure, maybe your car is a bit nicer, your vacations more luxurious, and you enjoy more legroom on flights, but fundamentally, life isn't that different. You have the same phone as a billionaire, the same laptop. You both have Netflix subscriptions and breathe the same air, witnessing the same sunrise and sunset each day.
Where the wealthy and the less affluent differ most might be in the amount of free time available. To bridge this gap, it’s crucial to make the most of every moment you have.
Being more disciplined with your time is key—the one thing you can't afford is to waste time. Get out there and get moving, get engaging with the world. Seize those moments, those little luxuries to which we all have access.
What's something you do that brings you genuine joy? Let me know over on Instagram. 
