Jean Galea

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A Collection of Thoughts and Life Lessons

Last updated: January 30, 20234 Comments

Balance

These are some of my thoughts and lessons that I’ve learned over the years and want to share here. At some point, I might dig deeper into some of these topics and split this up into several articles. In the meantime, enjoy and do let me know if you have any thoughts of your own on these subjects.

The Meaning of Life

George Mallory, a mountaineer who led early British expeditions to Mount Everest in the 1920s, on the joy of climbing and meaning of life:

“People ask me, ‘What is the use of climbing Mount Everest?’ and my answer must at once be, ‘It is of no use.’ There is not the slightest prospect of any gain whatsoever. Oh, we may learn a little about the behavior of the human body at high altitudes, and possibly medical men may turn our observation to some account for the purposes of aviation. But otherwise nothing will come of it. We shall not bring back a single bit of gold or silver, not a gem, nor any coal or iron… If you cannot understand that there is something in man which responds to the challenge of this mountain and goes out to meet it, that the struggle is the struggle of life itself upward and forever upward, then you won’t see why we go. What we get from this adventure is just sheer joy. And joy is, after all, the end goal of life. We do not live to eat and make money. We eat and make money to be able to live. That is what life means and what life is for.”

All In

I’m the type of person who is either all in on something, or totally out. While that has its advantages and disadvantages, I’ve designed my life around that trait and it works well for me. 

Quite beyond my own personality, however, there are many things in life that by their nature only work when you commit very seriously to them.

The excerpt below is from an excellent Farnam Street blog post on the topic:

Commitment means all in, all the time.

It’s easy to trick yourself into thinking that if you put in half the effort, you can get 80 percent of the results. While that might work for some things, it doesn’t work for anything important.

If you’re half trustworthy, you’re not trustworthy. If you’re often reliable, you’re not reliable. If you’re mostly consistent, you’re not consistent.

The key to doing anything well is commitment. Not only does commitment help you become better at what you do, but it also makes other people want to help you.

If you see your job as punching the clock, not only will you never be great at it, but your employer won’t invest in you. The best relationships are the ones where both partners go all in all the time to make the relationship amazing.

If committing sounds like a lot of work, it is. That’s why so many people are half-in. The problem with half-in and half-committed is that it doesn’t get you the results you want. If you’re not committed, get out.

The committed person gets both the opportunity and the results.

All in, all the time.

Letting Go

When I was a young kid I was brought up to always strive for excellence in academic subjects and in sports, although it applied to most other areas as well.

Perhaps the area in which this strive for excellence had the biggest impact on me is academics. Education in Malta when I was in school was very competitive, with exams being a do-or-die affair that determined whether you would advance to the next year or not.

Failing, especially in the year-end exams, was pretty much unacceptable as it would mean a ruined summer studying for the resits in September, potentially losing all friends if you fail to advance to the next year, and feeling like a total failure. Not to mention the scolding to be received from parents and teachers for not trying hard enough.

I’ve always been inclined to do things my way and on my own terms; my motivation to do anything almost always comes from within and very seldomly from outward expectations. It was therefore a big struggle for me to find the motivation to study for what I regarded as pointless exams. I had to study subjects that I was not necessarily interested in, and for which I saw no future utility. On the other hand, teachers and parents knew that I was no slouch and had the ability to excel in any subject, so anything less was deemed as me not trying hard enough, not being disciplined, keeping bad company, etc etc.

This created a serious internal conflict in me, and in many ways psychologically scarred me. I still have nightmares involving me the day before an exam, not being confident of doing well and dreading the consequences. Thankfully they are not frequent, but the feelings are the same ones I had twenty to thirty years ago, which is incredible.

Over the past few years, as I was working with a psychotherapist to improve several things, this was one of the topics that came up, and was one of the hardest ones for me to work through. The thing is, that that as I grew older, this strive for excellence became internalized, and I no longer needed teachers or parents to be bearing down on me with their expectations. I became the one to set those expectations for myself and to judge myself if I fell short of any of them.

I suspect that this made things even worse than when the expectations and judgment came from others. As an adult, I had now the full freedom to seek my own choices in life, and as I’m interested in many topics, by default I set up all these internal goals that I was expected to reach. With hindsight, this dangerous cocktail set me up for years of stress and unhappiness. I was never really aware of what was happening until I started digging deeper in my psyche with the help of the psychotherapist.

Even with her help though, I struggled to understand if this was really a problem or not. You see, this internal drive for excellence was also the catalyst to most of my success in life. My initial reaction was to feel proud of my drive to excel and be the best at anything I put my mind too. And I had a string of successes to prove it. At the same time, with time I had to admit that it was also the source of unnecessary stress, anxiety and pressure, that was also affecting my relationships with others.

Like many other things, an attribute has a positive and a negative side. I think one of the most important exercises in psychotherapy is that of realizing what attributes one possesses and where they came from. This first step of understanding who you are and why you are so is extremely important. I went into my psychotherapy experience with a list of negative things that I wanted to eliminate, but discovered that most of those things also had extremely beneficial things on the other side of the coin, and that I really didn’t want to eliminate them outright.

Did I really want to get rid of my internal drive to excel? Would it make me a couch potato with no motivation to do anything? I had to come to terms that you just can’t have perfection in life. You can have the efficiency and productivity of northern European countries, but then you can’t also have the joie de vivre and friendliness of the southern ones. I realised that I’ve been trying too hard to optimise things and pick and choose attributes in myself and in my surroundings. I was on an impossible mission that would only bring internal strife and unhappiness.

I’ve been setting up many small and big goals that are not really that important, but I’ve been judging myself and feeling bad for not reaching them. We are surrounded by blogs and books that promise to teach us how to be more productive and achieve more success etc, and they all come with a long list of todos in order to reach the promised state. I think I’ve read enough and have enough todos to last me 5 lifetimes; what I really need is to let go and start enjoying the simpler things in life.

The coronavirus lockdown has been a great teacher for me this year. It came at a point where I was really maxing out my energy chasing several goals at once and the first two weeks were an absolute relief as I was forced to relinquish some of those goals and focus on fewer things. But then in the following weeks, I realised that I was again running out of time and feeling like I have too much to do every single day. It made it super clear to me that the problem was in my mentality rather than anything else.

It become crystal clear to me that the number of goals and things on my to-do list was hilariously impossible to achieve. I had been pretending to do all the things I had listed before the lockdown and aiming to achieve them, but even after being forced to stop training (which took up a good part of my daily routine) and several errands I still could not fit everything into my day. It was pretty obvious that I was taking on too many things at once. This has been a perennial problem for me and it is time to call an end to it.

Here’s one example. I decided to start waking up at 6 am and sleeping at 10 pm. It worked for a few days but I soon started shifting the hours again after the hour change due to the new season. I became frustrated that I was not disciplined enough to stick to the plan. The problem is the plan itself, however. It’s a much better idea to set a goal to sleep between 10 and 12 and wake up between 6 and 8 in the morning. The Spanish lifestyle and timezone make the evening much more active than in other countries, thus it doesn’t always make sense to sleep at 10, and even midnight feels early in seasons like summer. So why not be flexible and go with the seasonal rhythms instead?

As for me, my resolution is to let go of many arbitrary “goals” that I’ve set for myself, simply because they have been doing more harm than good. I look forward to enjoying more of every moment instead of continuously pushing myself harder and harder while the goalposts keep on moving.

Enjoying the Process

One of the main reasons why I get too stressed is that I am always too focused on the goal. That’s also been part of my childhood, as the thing that mattered most was always the result. Anything in between the start and the end was just there to be criticized and refined further until the final desired goal would be reached.

We all know that 99% of any journey consists of a process, and the rest of the 1% is the very start and the very end; minuscule parts in the great scheme of things. The beginning typically brings excitement and happiness, while the end can bring emotions such as relief, satisfaction and a sense of triumph over all the odds encountered.

But really, those two moments are very fleeting.

The excitement of the start of a new project almost always quickly takes a back seat as the hard work of whatever I’m working on becomes the new reality, with many challenges, obstacles and setbacks to deal with.

Once I finish something, I’m thinking about an improved version of whatever I’m working on, or moving on to a new project in no time.

Looking at it this way it seems very obvious why I’m setting up myself to be unhappy most of the time, even if I’m doing things that I enjoy. In recent years, there has been no clearer example of this taking place than during my padel journey. I was so focused on the objective I had set for myself that I lost touch with the amazing reality that I was improving and having a great time playing the sport and meeting people as well as learning about life as an athlete. In retrospect, I can see what a great journey it was, but at the time I wasn’t enjoying the process as much as I should have.

That’s a lesson I’ve learned and I now keep it in mind in my day-to-day activities.

On Buying Things and Minimalism

Minimalism has become a poplar trend in the 00s, probably as a counter to the extreme consumerist culture that had been fostered in the previous decade or two. Most people in developed countries own way too many things, and this stuff can actually detract from quality of life. Again, no surprise someone like Marie Kondo achieved huge success off her idea of tidying up closets and getting rid of unused and old things.

Minimalism, however takes things to an extreme that does not entirely vibe with me. I actually love high quality products and derive a lot of satisfaction from owning, taking care of, and using things. Therefore striving for absolute minimalism does not make sense for me. A classic example is car ownerhsip. Most minimalists proudly state that they use public transport and have absolutely no need for a car, especially if they live in a big city. I’ve tried both, and owning a car is an infinitely better choice for me since it has opened up the door to having so many amazing experiences with one day trips or even longer trips around Europe. Not only that but I can also travel in comfort without being annoyed by other users on public transport systems. And when you have kids, I’d argue a car becomes kind of a necessity.

Perhaps my biggest issue isn’t with minimalism as a philosophy, but with people defining themselves as minimalists. Simply put, my style of minimalism typically involves owning more things than the typical minimalist.

The Magic of Three Goals

I’ve written about the shiny object syndrome and trying to do too many things before, but today I’d like to add one more realization, which I call the magic of three goals.

Basically, it means that the ideal number of goals or tasks per timeframe is three. For example, when playing a padel match, I usually think about all the improvements I am going to apply to my game in this particular match. In the past, I never thought about setting any limits. I eventually realized that it was impossible to apply a dozen improvements all in one match. More likely, I would end up too overwhelmed and just defaulting back to my usual game. When I started to limit myself to three particular improvements it became much more achievable and manageable.

The same applies to team meetings. Before we start a meeting, we set three objectives at a maximum. That way at the end of the meeting we can review our meeting and hopefully see that we completed our big three goals. Of course, there usually are more than three things on the agenda, which is great, but it’s important to select a maximum of three big ones. That way we are setting ourselves up for success rather than failure.

Having too many goals for one session, be it sports, a meeting, or even a workday, sets you up for failure and frustration. Set three goals and focus on achieving them.

I’ve also written about finding three life priorities and the importance of finding three hobbies. Seems like the number three is an important guiding force.

 

Enjoy Life in Your Twenties

Looking back at this decade and all the things I’ve done, I’m really amazed by how much I managed to fit in and the diversity of my experiences. In my view, the twenties are a time when you have maximum freedom, and you should make the most of it. If you haven’t started working after finishing your studies, why not take a year off to travel and get new experiences? Even if you do get a job, make sure you take regular time off and explore distant places to get a good idea of how other cultures work.

I partied hard in my early twenties and have no regrets. The party scene at the university in Loughborough, as well as the Maltese summers were just amazing. I made a lot of friends and explored their outlooks on life, from which I learned a lot. Use alcohol if it helps you enjoy the partying more and loosens you up, but don’t get drunk. There’s no fun in not remembering what you did last night or spending the night vomiting and the next day with a bad hangover. Whatever you do, don’t take up stupid habits like smoking that will damage your lifelong health. I never used drugs myself so I can’t comment on that topic, although psychedelics are experiencing a revival lately. I would only consider using them in controlled environments and later on in life.

Don’t be a Donkey in Your Thirties

donkey

One of my favorite podcasts is The Tim Ferriss Show, hosted of course by 4 hour workweek mastermind Tim Ferriss. If you haven’t checked out his latest book, head over to Amazon right now, you need to get a copy of it: Tools of Titans.

One of the guests on Tim’s show was Derek Sivers, and I’m also a big fan of his blog, especially his book summaries.

So in this interview Tim asks Derek what advice he’d give to his thirty year old self.

Derek replies: “Don’t be a donkey”.

I found the reply and it’s explanation very fascinating and it really hit home.

So what does Derek mean by that?

Many 30 year olds are trying to pursue many different directions at once, but not making progress in any.

Or they get frustrated because the world wants them to pick one thing, and they want to do them all. Why do I have to choose?! I cannot choose!

The problem is that they’re acting short term, as if you don’t do them all this week, they won’t ever happen. But the solution is to think long term; to realize that you can do one of the things for a few years, then do another one for a few years, and so on. 

The analogy with the donkey comes from a fable in which a donkey that is equally hungry and thirsty is placed precisely midway between a stack of hay and a pail of water. Since the paradox assumes the ass will always go to whichever is closer, it will die of both hunger and thirst since it cannot make any rational decision to choose one over the other.

A donkey can’t think of the future, if he did clearly he would realize that he could first drink the water and then go eat the hay, or vice versa.

I’m in my early thirties and I can relate to this issue 100%, in fact I’ve already written about the shiny object syndrome in the past. I’m also currently stacking up books about decision making and going through them, precisely in order to help me make sense of the many opportunities that present themselves and avoid that dreaded FOMO (Fear Of Missing Out) and decision paralysis.

If I look back at my life it seems clear to me that my twenties were a period of experimentation and grappling at life to try to make some sense of things as well as try to enjoy my youth to the fullest. This was a journey that involved going abroad to study, being in several relationships, and trying my hand at different businesses. In the latter part of my twenties I also became a digital nomad and that was another huge personal growth spurt for me. Those were years of highly accelerated learning and changes in my outlook on life. They were enormously fruitful and led to what I can consider another section in my life, early thirties.

Derek was spot on with his analysis of the typical thirty year old. At this stage I feel that with the knowledge accumulated in my twenties I can do so many things and pursue different goals, many of them incompatible with each other or mutually exclusive. Clearly I can’t do everything but my mind still dreams and my heart still races at each different opportunity that I’m aware of.

I am therefore trying to follow Derek’s advice and think long term. I like to plan things on paper in terms of five year and ten year plans, and that helps me to space things out, but it’s still hard to actually choose what I want to pursue. There is a lot of pain in consciously giving up good opportunities to pursue others.

For this reason I am digging into research about decision making and strategy. Apart from that research proving essential in the area of business, I believe it will also help me on a personal level in order to make choices more rational and easier. Being able to clearly analyze an opportunity and describe why you choose to pursue it or leave it on the table is a very important skill to have and will be of great help against this “can’t choose, won’t choose” issue that Derek speaks about when he thinks of his thirty year old self.

Are you in the same boat? Are you a bit older and can relate to this? I’d love to know what others think and perhaps have some more advice on the topic.

Travel and live abroad

I lived in several countries, and every one of those experiences was incredibly formative. It helped me learn new languages, deepen my spirituality and explore other religions, as well as truly understand the global nature of humanity. It helped me let go of the notion of pride in my nationality or country of origin, and feel more like a global citizen, essentially breaking down the walls we tend to build to separate ourselves from people who look or act differently from us.

Be Entrepreneurial

By all means, try to build a business of your own. Even if it’s just a side hustle that goes along with your day job, it is an incredibly enriching journey to start from zero and build a business that gives you income every month and delivers value to other people. I was lucky enough to be successful in building a business that provided my main income and allowed me to travel and work remotely. Not everyone can be an entrepreneur, but I think everyone can try to have an entrepreneurial mindset.

Another alternative to building your own business or side hustle is to be intrapreneurial. This means that you can look at the processes of the company or institution in which you work and try to introduce a new way of doing things, or suggest the creation of some new product or service. If you have good bosses, they will appreciate your hard-working and creative attitude and possibly put you in charge of leading the changes, which can be just as rewarding as building your own business and provide similar lessons and value.

Continue Learning and Reading

Most people stop learning once they graduate from University and start their work lives. I can honestly say that I accelerated my learning after graduating instead, and it made a huge difference in my outlook on life and decision-making abilities. The difference becomes really apparent from the thirties onwards. I can clearly see the difference when I talk to people my age who haven’t read a lot and continued to study on their own after finishing formal education.

Can Money Buy Happiness?

Yes. To a certain extent. Money solves a lot of problems although it doesn’t directly bring you happiness. Those problems that money eliminates can definitely cause you a lot of unhappiness, on the other hand. One of the big leaps, as you make more money, is that you start focusing on quality more than price. I feel that that is a huge leap in quality of life and affects the most essential of things such as our health and our food choices, not to mention education. These elements are crucial in living a good life and being in a position to achieve a state of happiness.

You Will Get Screwed

Life isn’t fair. The sooner you accept that the better.

An important step towards finding happiness is to accept that fairness is an artificial human construct.

You can either complain about all the ways you’re being screwed and point fingers at people and situations or focus on stacking the odds in your favor. Your choice.

Am I Lucky?

Ever since my childhood, I remember friends remarking about how lucky I am. I’ve never believed in luck one bit and always felt it was just a different mindset that created this effect. What I do acknowledge is the obvious element of chance that determines where we are born and who are parents are.

I recently came across this podcast that very accurately discusses this topic; Dr Bush perfectly articulates my feelings on the question of luck. Looking at all the “lucky” moments in my life, almost all if not all of these moments were the result of an optimistic growth mindset and careful long-term strategies that I chose to follow.

Struggling with Perfection and Choice

According to Aristotle, happiness consists in achieving, through the course of a whole lifetime, all the goods — health, wealth, knowledge, friends, etc. — that lead to the perfection of human nature and to the enrichment of human life. This requires us to make choices, some of which may be very difficult.

One thing that I struggled a lot with before I made an important realisation, is the quest for perfection as well as a struggle of deciding between many things I could do.

Here’s a quote lifted from the amazing Sam Berns, which perfectly sums up the problem I had and the solution:

Be OK with what you ultimately can’t do, because there is so much you CAN do.

Time is Our Scarcest Resource and Ultimate Wealth

An abundance of time is extremely hard to achieve, especially combined with the pursuit of money. Having time on your hands in our society seems to be associated with being lazy and comes with the pressure to do “something useful” or “work harder”. The default is to fill every minute with being productive and working.

I’ve managed to always have an abundance of time to do things I want to, by building income streams that do not require daily work. This is something I’ve focused on right from the early days of my working life. It’s an uncommon state to be in, and I wish more of my friends had more time so that I could do more things with them.

I also appreciate having time because it is essential for me to fulfill the most important mission in my life at the moment – that of raising my children and enjoying as many intense experiences as possible with them.

If you bungle raising your children, I don’t think whatever else you do matters very much. – Jackie Kennedy

It’s sad to see so many parents having to outsource the upbringing of their children and send them off to daycare or schools at early ages. I believe this lack of time for parent-child connections is having a very damaging effect on our society.

One intermediate step to being time-wealthy is to have flexibility on when you work. Since most people work during the week and have the weekends free, there are so many opportunities to have fantastic experiences during the week and during mornings, for example, but people lose out on them due to being at work or busy with other things.

Money

Money is the biggest problem for most people. It’s not a well-understood topic, and society pressures you to always want more of it. Our financial systems are built in such a way that it’s hard to save, meaning that you’re constantly in a rat race to earn more and more money to keep up. Bitcoin promises to solve this problem. Learn about it if you haven’t already taken a deep dive into that topic.

Some people are lucky enough to make money when they’re young and make it quickly – this oftentimes leads to cockiness and a know-it-all mentality. Making money is not that hard in the grand scheme of things, it’s keeping it over the long run that is the bigger challenge. If you strive for wealth according to my definition, you’ll enhance your chances of doing well over your whole life and not only for a few wild years while things are smooth sailing.

To sum it up, money is a real problem whether you have too little or too much of it. Too little and you can’t aspire to higher goals, while with too much of it you’re likely to unbalance yourself either by working too hard to keep that level of money or income, or by getting high on the money and doing stupid things with it.

Being at Cause

My biggest regrets in life have been things that I have not done, and not those that i did try. This means that there have been opportunities and situations that for some reason I have not taken action upon and now I regret the fact that I didn’t do anything about them. I wonder how many people feel the same way too, I would be interested to have some feedback on this.

For me and others who feel the same way, it clearly means that we have to start being less shy, more spontaneous and having a ‘Just Do It’ attitude. After all, even if things do not turn out as planned, it’s an occasion to get feedback and learn something useful for the future.

Now in order to empower ourselves in order to start taking action on whatever the problems/opportunities are, we need to step up our belief system and get rid of all the negative beliefs we have about ourselves, such as ‘I’m not a good talker, I’m not so attractive etc.’. I’ll go ino more detail on believe systems later on, however the basic principle is that most of us have alot of limiting beliefs which we need to analyse and eliminate as they are holding us back from achieving our full potential.

We also have to consider the Cause>Effect principle. It is important to be aware of whether we live our life at cause or at effect. It is quite rare to find someone who always lives his or her life at cause, indeed far too many of us live a large portion of our lives at effect — responding to the whims, desires or emotional states of others.

Being at cause means that you are decisive in creating what you want in life and taking responsibility for what you have achieved or will achieve. You see the world as a place of opportunity and you move towards achieving what you desire. If things are not unfolding as you would like, you take action and explore other possibilities. Above all, you know you have choice in what you do and how you react to people and events.

If you are at effect you may blame others or circumstances for your bad moods or for what you have not achieved or for your life in general. You may feel powerless or depend on others in order for you to feel good about yourself or about life — If only my spouse, my boss, my coworkers, my parents, my children, … understood me and helped me achieve my dreams or did what I wanted or what is best for me, then life would be great. If you wait and hope for things to be different or for others to provide, then you are at effect or a victim of circumstances. And really, how much fun is that? And how much fun do you think it is for others to be around you? Believing that someone else is responsible or making them responsible for your happiness or your different moods is very limiting and gives this person some mystical power over you, which can cause you a great deal of anguish.

Being at cause means you have choices in your life — you can choose what is best for you while ensuring the choice is ecological for those around you, those in your community and your society. That is, you consider the consequences of your actions on others, while not taking responsibility for their emotional well-being — believing you are responsible for the emotional well-being of someone else places a heavy burden on you and can cause a great deal of stress.

Those who live their lives at effect often see themselves or live their lives as victims with no choices whatsoever. The irony is that they do have choice and they have chosen not to choose but to be responsive to whatever is given to them.


With hindsight, traveling extensively has taught me that many things that we think are impossible are really possible with some lateral thinking and creativity, plus a whole lot of effort. Sometimes we need to put ourselves in uncomfortable situations and take risks to really achieve things.

Having grown up on a small island in a relatively protected environment, I think I spent many years living life at effect. However my curiosity and entrepreneurial spirit, coupled together with the right people and travel, have helped me move into being at cause. It’s not always easy to stay in this mindset, and it takes constant work and psychological training, but it’s definitely possible, and it gives you a much better chance at feeling fulfilled with your life.

Chasing Freedom

Freedom is an even higher goal.

I’ve always chased freedom ever since I was young, and in my mind wealth and freedom are very close relatives.

I wouldn’t consider myself free without the wealth component, but freedom incorporates one very important key aspect to the true quality of life. It’s knowledge. This statement needs some more unpacking.

To be truly free, you need to understand yourself at a very deep and intimate level and accept everything you are. The ultimate aim is to not only accept yourself but to learn to love yourself. That’s the first pillar of knowledge.

Second, you need to understand the world around you. This will enable you to see things how they truly are, free of indoctrination and the powerful forces of popular media, religion and politics.

Things you can do to seek this understanding of the world:

  • Study history – you’ll learn to recognize patterns in people’s behavior.
  • Travel – different cultures will teach you what the history books can’t.
  • Keep educating yourself on a daily basis

You’ll know when you’ve attained the required base level of knowledge, because you’ll realise that you have much deeper perspectives on many different topics than most people around you. You’ll also start to immediately spot the bullshit in mainstream media and political and corporate propaganda. People might also start labeling you in pejorative ways and accusing you of things. This is a good sign that you’re well on your way to become a free and independent thinker.

Finding Purpose and Meaning

Something worth reading is Hunter S. Thompson’s Letter on Finding Your Purpose and Living a Meaningful Life.

I truly believe in breaking the conventions, doing something you love and that you are passionate about. Only by doing this will you ever be happy in your life.

I believe in playing throughout life, trying and failing over and over at the many things that pique my interest.

Don’t you have a feeling, like me, that most people spend their lives chasing a highly paid job or career promotion? That might give you more financial security, but what are you sacrificing?

Think about it.

What about the stress, being forced to fit into a system, the office politics, and going against your core values. All these are daily features of corporate life. At one point you will end up asking yourself: what am I doing with my life?

Life is not about how much money you have, or the heights you’ve reached in your career. It is about you and your talents, and how you are going to use them as best as you can, doing something you truly love.

Everyone has to find his own ingredients for a happy and fulfilling life, but some of mine are:

  • Exercise and keeping healthy
  • Having a close and valued circle of family and friends
  • Spirituality and an inner life
  • Fulfilling work
  • Enjoying good food and travel

Of course, it’s also true that you need money to be happy. It’s not something that will make you happy, but it will solve many problems that make you unhappy and prevent you from pursuing your dreams.

Amateurs VS Professionals

Over the past twenty years I’ve learned how to distinguish between amateurs and professionals. I’ve seen the difference in many areas of work and life and at the core it’s always the same concepts that differ the best performers from the mediocre.

So what are these differences between amateurs and professionals; what sets the great thinkers and action-takers apart?

The answer is nuanced and likely multifaceted.

  • Amateurs have a goal. Professionals have a process.
  • Amateurs give up at the first sign of trouble and assume they’re failures. Professionals see failure as part of the path to growth and mastery.
  • Amateurs focus on identifying their weaknesses and improving them. Professionals focus on their strengths.
  • Amateurs complain about mankind’s flaws, biases, and contradictions; professionals exploit them for fun and profit.
  • Amateurs think good outcomes are the result of their brilliance. Professionals understand good outcomes are (also, largely) the result of luck and randomness.
  • Amateurs want money. Professionals want freedom.
  • Amateurs focus on the short term. Professionals focus on the long term.
  • Amateurs avoid risks. Professionals take and domesticate risks.
  • Amateurs think in absolutes. Professionals think in probabilities.
  • Amateurs seek to win the rat race. Professionals seek to escape it.
  • Amateurs look for problems. Professionals look for solutions.
  • Amateurs save money. Professionals both save and invest money.

Reference: Farnam Street Blog

Intentional “Mistakes” and Fake Apologies

One of the reasons that I am not interested in politics is the fact that most of what politicians say is just fluff and outright lies. When their lies and corruption gets uncovered later, they resort to apologies and pronounce them “mistakes”.

Big businesses, like politicians, have a habit of making very good use of the words “apology”, “mistake” and “sorry” for things that were not mistakes in the first place, and for which they are not really sorry in the original sense of the word.

Here’s an excerpt from an excellent Jalopnik.com article on this topic of fake mistakes and apologies, which I highly suggest reading in full.

Across the world, but particularly in the United States, people of power and import recite the word “mistake” as an incantation to disappear the harm they have caused.

When Volkswagen was caught making a series of engineering decisions to knowingly and intentionally cheat emissions tests around the world, Chairman Hans Dieter Pötsch said the company made not one mistake, but “a chain of mistakes,” which is a wild way to describe years of systematic trickery that also involved one of its largest supplier companies.

General Motors’ deadly ignition switch fiasco years ago may have originated with a single “mistake,” but the subsequent mishaps around it and alleged cover-up over several years cannot charitably be described that way.

“We know we all made mistakes and got some things wrong,” Boeing CEO Dennis Muilenburg told a Senate committee about his company’s systematic prioritization of profit over safety even as people inside and outside his company repeatedly warned they were making decisions that could, and ultimately did, kill hundreds of people. Former FIFA president Sepp Blatter called awarding the 2022 World Cup to Qatar, a very wealthy nation with a horrendous human rights record that is building the venues for the tournament on the backs of indentured servants, a “mistake” but that “one makes lots of mistakes in life.” (He was, of course, talking about how it was a mistake to award the World Cup to Qatar because it is hot there.)

Mark Zuckerberg said “we made mistakes” after a whistleblower revealed Cambridge Analytica harvested data from Facebook, a massive private surveillance company masquerading as a communications firm, to target 50 million Americans with political advertising that helped elect Donald Trump.

In 2017, while being deposed in one of many lawsuits facing her company, Elizabeth Holmes allowed that, as CEO of Theranos, a wholly fraudulent company whose only true product was secrecy and intimidation, “I know that we made mistakes.”

Labeling these as “mistakes” is re-defining horrifying, unconscionable evil perpetrated by supposedly respectable businesspeople as nothing better or worse than forgetting to pay a parking ticket on time. It is spreading a glossy sheen over the well-defined landscape of morality, implying my mistake is just like your mistake.

Yearly Reviews

At the end of every year, most people focus on new year resolutions, which tends to be a shallow form of thinking and most resolutions end up fizzling out after a few days/weeks. A better exercise is to conduct an annual report or year review.

Assume Positive Intent

assume positive intentMany conflicts, arguments and disagreements tend to stem from the fact that we assume the offending party set out to harm us in some way. In other words, they have an evil agenda or negative intent.

A better way of moving forward and making progress, be it as a global economy or even in our day-to-day interpersonal relationships, is to always assume positive intent.

In trying times, it is quite easy to fall into a mode of thinking where we look around and think everything is falling apart and nothing makes sense anymore. It might seem that everyone is out to get us and there is little hope.

If we take a step back, however, we can use tools like prayer or meditation to get into an objective state of mind and realize that everyone is acting according to their incentives and circumstances, and by and large, people are wired to be good to others around them, unless they suffer from some psychological problem that makes them act otherwise.

Once we assume positive intent, instead of defaulting to judgment and anger, we take on an inquisitive stance. We ask of the other party: “what are you trying to achieve by this behavior”.

Oftentimes, it’s even better to try to take a minute and take an educated guess on the other person’s needs and objectives. This is because many people don’t even know why they act the way they do. It’s often easier for a third party to understand someone’s behavior, which is why we have counselors, psychologists etc. to help us out.

When we start out from this position together with an inquisitive and non-judgmental attitude, it is guaranteed that we will at least be in a better psychological state ourselves. As a bonus, sometimes we can enter into a productive discussion that ends up changing the other person’s behavior or opinion, although this shouldn’t be our main goal.

What Would Jesus Do?

No, this is not a religious lesson…

Remember those WWJD bracelets that were all the rage in the 90s? The idea was that we would wear them to help us make better decisions daily.

How? 

The concept is simple. Whenever you’d find yourself in doubt about something, you’d ask yourself: “What would Jesus do?

Although I never wore these bands, thinking about them inspired me to implement a simple productivity trick in my life right now. Here’s how it goes.

  1. Think of the most productive/inspirational person you know of.
  2. Imagine being in his/her company all day. Act accordingly.

That’s it. Very simple. Imagine your favourite productivity guru flew in to your city and asked to spend the day hanging with you, just watching you go about your day.

Would you try to impress him? Do you think you’d be more productive that day?

For me, the answer is “Hell yeah!”.

But wait a minute, isn’t that what I’m supposed to be doing every day? So why not act as if that person is accompanying me every day? You can imagine several people accompanying you if you want. When you hit the gym, imagine your fitness hero is your partner, so run that extra mile and do that extra rep to impress him.

Imagining that somebody is watching your every move provides real context to your actions. You naturally think differently, act differently, and likely make more positive choices than you would alone.

Cultivating Awareness

awareness

Awareness is our teacher.

A Buddhist zen master was once asked how he defined zen. His reply was sharp:

When you’re hungry, eat. When you’re tired, sleep.

The more awareness we can bring to our lives the more we’re able to see that we can shape our lives. When we apply awareness, the past doesn’t have to dictate our future; we can push outside of our comfort zone, make new choices, and take new actions. With awareness, the path ahead is ours to create.

We need a sense of awareness in all aspects of our being. Think about physical awareness, mental awareness, and spiritual awareness. It takes great discipline to maintain total awareness in your daily life.

That’s why the practice of meditation is so important. The aim of meditation is precisely that; full awareness and being in the here and now.

I’m a person who is easily distracted and my mind is quick to drift off into dreams and possibilities. Rather than looking at what I can do in the future, it also sometimes dwells on the past, regrets and all. The here and now thus gets squeezed out leading to me living either in the past or in the future.

Such a state of living is not at all healthy. There’s regrets from the past, anxiety about achieving future dreams, and a lot of time wasted by not being fully focused on the present and working hard towards achieving preset goals in a serene fashion.

The question then is obvious: How do we cultivate awareness? 

I am using the Calm app (available on iPhone and Android, as well as a web version) to meditate as often as possible. My aim is to meditate in some form on a daily basis. I can easily recommend this app as a way to make significant changes to your life and well-being. Another popular meditation app is Headspace. Both are good, just give them a try and see which style suits you best.

Find Three Hobbies

Here’s one of my favorite quotes, although I don’t know its origins.

Find three hobbies you love: One to make you money, one to keep you fit, and one to be creative.

These can change over time, but right now for me these three are:

  • investing
  • padel
  • reading/writing

I really think it’s important to have these three, not only because they’re your best chance to live a healthy and fulfilling life, but also because they feed into each other.

For example, to improve in padel and investing I read and write about these topics, and I can apply what I learnt from investing into the sport of padel. On the other hand, padel training has given me a lot of discipline and methodologies that I can then apply to my writing and investing.

The concept of them being named as hobbies also aligns with my idea that ideally there shouldn’t be a hard line between work and play in life. In fact I always strive to build a life that I don’t need to take a holiday from.

I don’t think of work as work and play as play. It’s all living. – Richard Branson

Most people go on holidays to forget their daily life during the rest of the year, while the most fulfilled and high performing people I know don’t have this concept in their lives. They find joy and fulfillment in their daily routines and if they take a holiday they don’t really treat it in the way that most people treat it. For them, it’s most likely part of the yearly routine and has a specific purpose that fits an overall goal.

What are your three hobbies?

Filed under: Thoughts & Experiences, Top Post

My Favorite Podcasts in 2023

Last updated: January 01, 2023Leave a Comment

Here’s a list of my favorite podcasts in 2022. I’ve noted down my favorite crypto and NFT podcasts separately.

Politics & Economics

  • The Reason Interview – Nick Gillespie
  • EconTalk – Russ Roberts
  • Free Thoughts
  • Infinite Loops
  • Intelligence Squared

Tech

  • The a16z podcast
  • Building at the edges
  • Interdependence – Mat Dryhurst. Holly Herndon

Psychology, Philosophy and Spirituality

  • The Michael Shermer Show – Michael Shermer
  • Making Sense – Sam Harris
  • Skeptoid – Brian Dunning
  • You are Not so Smart – David McRaney
  • On Being – Krista Tippett
  • Where Should We Begin? – Esther Perel
  • Heart Wisdom – Jack Kornfield
  • No Stupid Questions – Stephen Dubner, Angela Duckworth

Life Mastery

  • The Tim Ferriss Show – Tim Ferriss
  • The Knowledge Project – Shane Parrish
  • The Better Human Show – David Rachford
  • The Productivity Show – Asian Efficiency
  • Lex Fridman Podcast – Lex Fridman

Health & Fitness

  • Huberman Lab – Andrew Huberman
  • The Peter Attiah Drive – Peter Attiah
  • Mind Pump – Various
  • Muscle Intelligence – Ben Pakulski
  • Neuro Athletics – Louisa Nicola
  • Rich Roll Podcast – Rich Roll

Business & Investing

  • Hidden Forces – Demetri Kofinas
  • Money For the Rest of Us – J David Stein
  • The Tropical MBA – Dan Andrews & Ian Schoen
  • Macrovoices – Erik Townsend
  • Masters in Business – Bloomberg
  • Odd Lots – Weisenthal, Alloway

Parenting

  • Respectful Parenting – Janet Lansbury

Science

  • Crowdscience
  • Science VS – Gimlet

Future

  • Interdependence

Filed under: Thoughts & Experiences

Living in the City Versus the Suburbs

Published: November 05, 20224 Comments

A question I’ve been contemplating lately is whether we should continue living in the city center or move to a house in the suburbs. The distinction between a city and a suburb isn’t clear-cut. While a city is the core of a metropolitan area, a suburb is an area on the periphery of city limits. Generally, cities have large populations over a small area, but suburbs can have even larger populations of hundreds of thousands or a million residents — just spread across a lot more square kilometers.

Here are a few thoughts on the subject.

Lockdown Experience

The COVID-19 lockdown has given us a taste of how life could be without the noise and air pollution produced by cars, trucks and most of all scooters/motorcycles in big cities. As a person who works from home, it was fantastic to be able to keep windows open during the day, breathe fresh air at any time and even smell the sea when the wind was blowing inland. Along with those novelties, I started to cycle and exercise outside and found it extremely enjoyable. The streets were pretty much taken over by bicycles and runners in fact, and cycling shops recorded record sales during the lockdown months.

The day the lockdown was partially lifted was a big contrast. Cycling suddenly became much more dangerous and frankly, the noise and pollution killed all the joy of it. Moreover, being on lockdown also offered another perspective on how important or not it is to be surrounded by shops and activities as well as the importance of having a home that you enjoy.

I was born and raised in Malta, where the concept of cities and suburbs is blurred since you don’t really have a big central city; there are parts that look more like a city and others that feel more like rural living, but you never get the same feeling as living in a real city. Using personal means of transportation is a must and you get accustomed to needing 15-40 minutes to get anywhere important such as the university, work, beach, gym, etc.

City Life Experience

Although I’ve traveled a lot and visited many big cities, my first real experience of living in one was Barcelona, and I fell in love with the lifestyle instantly. I liken it to the experience of drinking Vodka and Red Bull mixed together (a favorite from back in the clubbing days in my early twenties although I wouldn’t recommend it). It’s exactly that feeling of losing some inhibitions and being more open to new ideas, plus the buzz and excitement of new opportunities that abound in a city like Barcelona.

Chiang Mai was another big city I had the experience of living in, although in a funny way it feels both more rural and way more congested and polluted than the typical city in Europe.

The upsides of living in a city:

  • More meetups and new experiences than you can even keep up with
  • Possibility of meeting an incredibly diverse set of people
  • Being challenged in new ways and possibly having to face some inner demons. I see this as a good thing if addressed correctly.

Looking back, I can see how life in a city has taken all the attributes of my character and amplified them. That meant that I was able to advance very rapidly in work and fitness due to the people I met, inspirational work spaces and meetups, and the wealth of sports facilities, athletes, and coaches. On the other hand, it also meant that some of the weak points of my character were also severely put to the test.

For example, it has always been really important for me to have a safe space, which I usually found at home and more specifically my room at home. As long as I had that one comfortable space where I could shut off the rest of the world and recharge (reading, writing, video games, etc) I felt safe and at peace. I am very sociable but I need to be able to retreat to that space when I need to. Life in the city for the most part robbed me of that space. This brings me to the next point.

Life with Kids

When you have kids, you really need more space, and city apartments start looking much less attractive. Kids can still benefit of the proximity to things in the city and the multitude of things they can do, but home life can be challenging especially if one or both parents are working from home.

Then there’s the question of schools. In our case, we ended up choosing a school that was quite far from the city center. That means a longish commute to and from the school on a daily basis, which gets tiring and expensive if you’re using taxis. I’ve since learned that for young families, proximity to their kids’ schools is usually the number one factor when they choose where to live.

Safety

One can argue that life in the suburbs is safer. There are fewer people, less traffic, and potentially a stronger neighboring community. On the other hand, if you’re being targeted by thieves, a house can in many cases be more vulnerable than an apartment.

Pollution

Suburbs clearly win out on this point. There’s less noise and less air pollution when compared to life in the city.

Transportation

With most suburbs, due to the fact that everything is much more spaced out, you will need to have one or more cars to function on a daily basis. This can mean less time spent walking and biking; two essential activities for health. You might need to regularly drive back to the city if you attend any activities there such as gyms, music or art lessons, etc.

Depending on where you live, the suburbs might also be hilly parts which make moving around even more uncomfortable and oblige you to use motorized transportation. This is the case in Barcelona and its immediate suburbs, for example. Cities tend to rise around flat plains and access to water historically, so they are more or less flat and easy to walk around, although there are exceptions of course.

Bottom Line

The main points in favor of suburb life are less pollution, more space, and perhaps a safer environment. In favor of cities, we have easier access to hospitals, restaurants and other institutions. We have definitely more cultural activities and diversity.

School proximity is also a factor but since some schools can also be within the city it really depends on what school you end up choosing.

I am still torn between the two options, so if you have any thoughts and have tried both, please do leave a comment below.

Filed under: Thoughts & Experiences

Net Worth Goals For Investors and Entrepreneurs Aged 35-45

Last updated: November 09, 20222 Comments

net worth 35-45 years old

Over the past years, I’ve spoken to many entrepreneurs and investors in my age group (35-45), and one of the questions I like to ask is what their net worth goal is, irrespective of where they’re currently at. It’s a question that is designed to make them think about what is the amount of money that would cover all their dreams at the moment and foreseeable future, while also being believable.

Interestingly enough, it turns out that almost everyone’s answer falls around the same figure: 10 million dollars.

Now, that’s a lot of money, especially if you come from a modest background. My net worth in my mid-twenties was practically zero, and if you were to talk to me about these kinds of figures they would have been hard to conceive. However, once you start forging ahead in your financial status, you start revising your goals and relationship with money.

Here are a few ways that people in this age group have been able to achieve that net worth figure:

  1. Gain leverage at your job: become a unique and indispensable player in your company and in your industry. You can then break free of the typical salary ceilings that exist within any company and industry.
  2. Open your own business: here you assume higher risk in the hopes of higher returns. The higher theoric risk is reduced by your mastery and knowledge of the industry. Put simply – you’re more likely to succeed than the rest of your peers, because you are already one of the best people in the space.
  3. Start to invest: when the job or business starts to give off more money than you need for your living expenses, invest the rest.

Why is the $10 Million Figure So Attractive?

I believe that it is the most commonly mentioned figure due to being a nice round number, and the fact that most young entrepreneurs and investors tend to have amassed a few million during this age bracket, but have enough knowledge of their skills and the niche they operate in to see themselves getting to that $10 million figure. Sometimes it might mean having to sell their business, and that comes with its own disadvantages, but they typically see it as an attainable figure.

With $10 million dollars, if you have high aspirations and love the finer things in life, you won’t be set for life, but rather you will have a very nice platform to launch off from to even bigger things.

For example, you can afford to:

  • Buy a very nice house in a great neighborhood, cash payment
  • Get yourself some nice cars and other toys
  • Send your kids to the best private schools
  • Travel first class or even using rented private jets
  • Eat out at fine dining locations regularly

It basically allows you to do whatever you want with your life while also giving you the opportunity to make some expensive capital acquisitions like a house and cars.

I describe it as a launchpad because I wouldn’t personally be sitting on my laurels at that $10m level without having a plan in place to double or triple it within the next decade. Cashflow is extremely important to sustain a high flyer lifestyle, and the biggest mistake one can do is to think they’ve made it when they hit a goal like a $10mm net worth, when in reality they have no cashflow.

That’s why getting a big amount of money from an inheritance, fantastic investment, or sale of your business is actually quite hard to handle. Yes, you end up with a lot of money, but if we’re thinking long term, upgrading your lifestyle to the points I just mentioned means the money will run out in a few years at best, and it’s much harder downgrading your lifestyle once you’ve gotten used to better quality all around you.

Meanwhile, some NFT holders don’t even fancy selling their JPEG profile pic for almost $10m:

Why I rejected a 2500 ETH ($9.5M USD ) offer from @poapxyz on CryptoPunk #6046

This could have been the largest ever on-chain NFT sale in USD, but I chose to reject the offer.

Here is the story and why 👇 pic.twitter.com/zeURo4C5z6

— richerd.eth (@richerd) October 16, 2021

Let’s Talk Liquidity

Having a high net worth is great, but unless it is liquid net worth, it can be quite hard to really enjoy it.

For example, you might own a business that is worth $8 million, but that doesn’t really translate into anything practical in your life, since you can’t spend any of that money, and there’s also the risk that the valuation might change at any point in time. We’ve seen how the valuations of public companies can change drastically from one year to another in recent years. For private companies, you have the same story. This is especially true if you’ve been working towards building a company that can be acquired. At certain times the economical circumstances might mean that venture capital dries up, or this is a general dearth of acquisitions in your industry, meaning you’ll need to wait a few more years for the exit. For some companies, this can indeed drive them to the verge of collapse if they haven’t been managing their runway and cash flow property. In short – it’s a treacherous journey and you can’t really change the way you live based on your company’s theoretical valuation.

It’s worth noting that a well-known financial trick of the super-rich (typically $25m+) is to leverage their best assets to obtain loans, but this is not that easy to work out for younger people with lower net worth figures and typically in risky assets. The super-rich can leverage their own private company stock, or their public stock portfolio, real estate, etc, but again they tend to have lower-risk assets and much bigger amounts, making them way more interesting for banks and institutions who are considering lending them money.

In conclusion, the dream state seems to be $10 million in liquid assets plus a healthy cash flow that covers all your monthly costs. Even better if that monthly cash flow is as passive as possible, which would give you the free time to actually use that higher purchasing power and enjoy material possessions, travel and other experiences.

I would also like to add that having lofty net worth objectives does not mean that there are no intermediate stages and that one would only be happy and satisfied if they reach that goal. I do believe that money does buy happiness to a certain degree, but there are diminishing returns the higher you go. Financial strife is one of the most common problems for people, even contributing to the breakup of marriages, and we should all be trying to attain a level of net worth that eliminates or lessens those kinds of basic financial problems.

Once the lower levels of the hierarchy of needs are covered, we’re already in a great position and can now think of fulfilling dreams and ambitions rather than worrying about basic needs. At that point whether it’s time to kick back and relax or continue to work very hard on achieving a higher net worth level depends entirely on one’s dreams.

What’s your take on this topic? Leave a comment below to continue the discussion.

Filed under: Thoughts & Experiences

The Revolution You Seek is Within – Why We Don’t Need Collectivist Ideologies

Published: October 22, 2022Leave a Comment

RevolutionThis is a quick post that I hope to be able to expand on in the future. I was inspired to write some notes after an interesting and intense discussion with a communist friend of mine. I’ve gotten similar thoughts and feelings after heated debates with other people who held strong beliefs about certain things, most typically politics or religion.

I am no expert in politics, it’s an area that I’ve always shied away from, rightly or wrongly. I grew up in a middle-class family in Malta, within a fairly religious (Catholic) environment, and I’ve experienced many of the frustrations that typically haunt people in their late teens and early twenties. Ultimately, the biggest mistake that one can do within this period is to think that some authoritative figure, political party, religion or institutions can provide the solution to your problems.

I feel that it is best to have strong opinions that are weakly held. That means that I will strive to reach informed conclusions about things as fast as possible, but be very open to change those conclusions if someone or something comes along that offers better reasoning. Even further, I strive to prove myself wrong by reading opposing opinions and engaging in discussions with people on the total opposite side of my ideas, always in a respectful manner so that I can really understand their point of view and their emotional background for their thinking.

When I’m in doubt about something, I like to go back to basics. One can observe nature and the behavior of animals as well as our historical records and theories of evolution. These usually shed a lot of insight into human behavior that can be used to reach certain conclusions.

For example, it is pretty clear to me that people mostly think and act in self-interest.

The saddest part for me is that I do believe that most people want the same things, but they get really radicalized by these idea viruses that create so much hate and destruction.

Ultimately, the revolution and change that you seek generally lies within. It’s in the way you think and view life and the things that happen to you. Even if deprived of all autonomy and freedom (prison, physical incapacity), people can have vastly different experiences of life depending on what their outlook is.

This is why I abhor ideologies like socialism and communism, and love ideas that promote freedom and individual rights with minimal government intervention.

Socialism and communism have failed wherever they have been tried out, with extreme pain and loss of life inflicted on the people that were enslaved in those regions. It is quite telling that such regimes have to enforce border control in order to prevent their people leaving. Why would so many people want to leave if the ideology’s implementation is so good?

And no, Scandinavian countries are not a great example of the success of socialism. In the Scandinavian countries, like all other developed nations, the means of production are primarily owned by private individuals, not the community or the government, and resources are allocated to their respective uses by the market, not government or community planning.

Socialism is the Big Lie of the Twentieth century. While it promised prosperity, equality, and security, it delivered poverty, misery, and tyranny. Equality was achieved only in the sense that everyone was equal in his or her misery.

On the other hand, capitalism, while certainly not perfect, is the only working system we have. The strength of capitalism can be attributed to an incentive structure based upon the three Ps: (1) prices determined by market forces, (2) a profit-and-loss system of accounting and (3) private property rights. The failure of socialism can be traced to its neglect of these three incentive-enhancing components.

As I said, this is mostly a very rough draft of some thoughts I want to continue expanding upon in the coming years. Feel free to comment or ignore as you see fit.

Filed under: Thoughts & Experiences

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Jean Galea

Investor | Dad | Global Citizen | Athlete

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