Fit Rich Life

Newsletter #35

Weekly Tips, Tools & Strategies to Alchemize your Fitness, Money & Life
Newsletter Archive

“We make a living by what we get. We make a life by what we give."
—Winston Churchill

Greetings Fit Rich Fam!

I decided to take a one-week hiatus from writing the Newsletter to reflect on my 9-years of Sobriety and how it came about.

I'm releasing a solo podcast episode this coming week that goes into much more detail on my Sober Journey so stay tuned.

I’m also starting to create more content for LinkedIn & X (Twitter) so please connect with me there if you’re on those social media platforms.

Without further ado, let's proactively build your Fit Rich Life.

This is your weekly dose of actionable tips, tools & strategies to take your Fitness, Money & Life to the Next Level.

FITNESS: Incorporate massage for increased mood, energy & healthspan.

The other weekend I treated myself & my wife to an in-home professional massage. 

Getting at least one professional massage a month (sometimes more) is part of my Fit Rich Life.

A professional massage is always an absolute delight.

With massage I feel increased levels of balanced energy, it supports a more supple body, & intuitively feels like a no-brainer for increasing healthspan & longevity. 

FOR THE RECORD: when I was building up to reaching my Financial Independence Target Number (originally $1.5M) I consciously chose to only do self-massage (with a foam roller & other tools) so that I could plow as much money as possible into my investments.

By taking this approach I was able to reach my Financial Independence Number much sooner.

At this point in life, I can now enjoy one or more professional massages per month (and treat my wife) all while maintaining & continuing to increase my Financial Freedom.

TAKEAWAY: There is no right way to do your Financial Independence Journey, all that matters is that you do it consciously while having as much fun & experiencing as much freedom as possible.

When I was building to my first level of Financial Independence getting there as fast as possible was my HIGHEST EXCITEMENT. 

Now I get to enjoy the fruits of my labor for the rest of my life.

Whether you invest in professional massages now or post-Financial Independence does not matter as long as it’s intentionally aligned with your true values & current goals.

MONEY: A more optimized approach than HYSA for Cash Savings.

Living in California as High-Earner I get taxed a lot.

That means any interest earned is also taxed heavily.

In previous editions of the FRL Newsletter, I've recommended using High Yield Savings Account (HYSA) for one's extra cash as they are paying out over 5% at the time of this writing.

Upon further analysis, I've come to realize that this is not an optimal strategy as there is a better strategy available.

The Vanguard Treasury Money Market Fund (VUSXX) invests primarily in U.S. Treasury Securities and the compound yield year to date is 5.32% at the time of this writing.

That is right in line with what the HYSA are paying right now BUT you do not pay interest at the federal or state level as these are Government Securities.

If you are holding a significant amount of cash on hand like me, putting your money into this will empower you to keep more of your money.

VUSXX has a $3,000 minimum so if you're holding less than that just go with a HYSA, but if you're holding more than that definitely utilize this strategy to improve your money game.

DISCLAIMER: This is not investment advice, nor am I a licensed investment professional. This is just what I am doing. Be sure to do your own due diligence.

LIFE: Give value.
When you give value without expecting repayment, others feel compelled to return the favor.

Give value.

Give value.

Give value.

(repeat ad nauseam).

Then good things will come to you.

>>If you found value in this newsletter please consider sharing it with a friend.<<

If you're seeing this for the first time, sign up for the Fit Rich Life Newsletter here.

I am sending you all lots of Energy & plenty of Dragon Magic!

Your Fitness, Money & Life Coach,

Justin David Carl

Whenever you're ready, there are 2 ways I can help you:

1. I run a custom-tailored 1-1 & group mastermind coaching program that will empower you to achieve your dream body, master your money & live your best life. Yup, it's a proven Fitness, Money, and Life Coaching Program unlike anything else out there. You can book a free consultation with me here or just drop me a note on Instagram to find a time to connect.

2. If you work in an office introduce me to whoever handles your office snacks, catering & employee experience to take your work wellbeing to the next level. I'm a founding member of Garten, a tech-empowered employee experience & wellbeing platform that top companies utilize to power their most important asset (their people). Email me at >>justin@garten.co<< to set up a meeting.