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  • How to Create Reality
    How to Create Reality ​ (note: this post was originally published in February 2019 so we're almost up to the present day. The events described below are still happening and much better new cities seem to be in the works throughout the US now, which is very exciting to me) So a funny thing happened on Twitter this week, which almost changed the world a little bit. Someone sent me a beautiful 3-D mockup of a fictional, car-free city of 50,000 people, set in the scenic nook of land* betwe
     

How to Create Reality

How to Create Reality

(note: this post was originally published in February 2019 so we're almost up to the present day. The events described below are still happening and much better new cities seem to be in the works throughout the US now, which is very exciting to me)

So a funny thing happened on Twitter this week, which almost changed the world a little bit.

Someone sent me a beautiful 3-D mockup of a fictional, car-free city of 50,000 people, set in the scenic nook of land* between Boulder, Colorado and Longmont, where I live. It came complete with street plans, detailed descriptions and dozens of cool photos, both real and computer-generated, showing how it would feel to live there. They called it Cyclocroft, in honor of the generally pro-bike stance of Mustachian culture.

This was not out of the blue: these plans came from some long-time readers, who have heard me muse about better cities in the past. Over the last few years, I have come to realize that the fastest way to get my fellow Americans into healthier, wealthier lives is probably just to change the way we lay out our living spaces. Instead of wasting trillions of dollars on separating and isolating ourselves just to accommodate giant racetracks for our gas-powered wheelchairs, we could make everything about 75% less expensive (and many times more fun) by making cities that work mostly without cars.

So anyway, these architects sent me the plans, and I put them up on Twitter with a comment about how they’re fictional but boy wouldn’t this be a nice way to use a single square mile compared to what we do right now.

One square mile of suburban Detroit. Note the amount of space wasted on accommodating cars. Without the cars, you could house AND employ about 50,000 people with this much land.

I thought that would complete my social media indulgence for the day, but NO, things were just about to get interesting.

That night, an MMM reader who also happens to write for Forbes, wrote to me asking if he could do a story about Cyclocroft. He also pulled in the designers Tara and John from B4Place. And the next day, this rather racy article showed up in the news:

Whoa there, Forbes!

While the story was technically accurate, calling me a “Wealth Guru” instead of an “Early Retirement Blogger” definitely amped the intensity. And words like “Plans” and “has teamed up with” made it sound like things were very imminent and real, rather the just a set of pretty pictures I was happy to share.

But the world started to react as if Cyclocroft really were real. Twitter responses and emails started coming in from people who would buy properties and move there, if we really built it.

Even more notably, my email inbox and even the voice mail of my supposedly private mobile phone, started filling up with notes from news agencies and big players in finance and real estate, asking if they could do news stories and/or help get involved in building Cyclocroft.

Forbes – Wealth Guru Plans Dutch-Style Car-Free Bicycle-Friendly City Near Boulder, Colorado

Curbed – Could a car-free, Dutch-style city work in Colorado?

The Real Deal – Imagine a city with no cars, free bikes — and 50,000 people in one square mile

Boulder Daily Camera – Mr. Money Mustache has no formal plans to build dense, ‘car-lite’ city between Boulder, Longmont

The Chief Marketing Officer of the nation’s largest mortgage providers (who I was surprised to learn is also a longtime Mustachian) came to my coworking space and we talked for two hours about whether we could make it a reality. Because, aside from the potential to improve world through better design, residential housing is the world’s largest market, worth trillions of dollars.

Now, just in case you have any illusions about Mr. Money Mustache’s superpowers, it is important to remember the real story. I am a retired, stay-at-home Dad who occasionally types shit into the computer, and that’s the end of it. On the average week my biggest “business” meeting is a Tuesday morning workout in the back yard of the HQ for some squats or deadlifts with a friend or two.

Actual day of work. Does this look like a City Developing Wealth Guru to you?

Now, this Cyclocroft bonanza is still cause for celebration – all this attention and energy will definitely not go to waste. I really do plan to nudge this country towards its rightful status as a Badass Utopia – it’s a lifelong project for me, and we are only about eight years in. It’s just that Starting a City right now does not play well with my other project of Raising a Boy, a contract which still has about five years left on it. I’m not a great multitasker so anything outside of that job has to be low-stakes and with complete flexibility.

But there’s still is a heck of a life lesson in this story, that can help all of us change our lives. It’s on par with the lessons of the Optimism Gun, and the Circle of Control.

The lesson is to Begin with the End in Mind – and Start by Painting a Beautiful Picture of that end destination.

It’s the technique at the core of the world’s best marketing and negotiation strategies, and it works so well because it short circuits the human brain into making everyone – including you – see things in the desired way.

I’ve known this for a long time, and applying it is the reason for most of the successes I’ve had in life so far. Yet I still sometimes get sloppy and fail to use it, and sure enough many of my failures can be tracked back to that sloppiness. Let’s check out a few examples of Painting the Picture in real life so you can see exactly how this works and how powerful it is.

When I started this blog in April of 2011, I didn’t just start rambling about interest rates or student loan debt. And I definitely didn’t mention carbon footprints or get into environmental guilt-tripping. The first sentence of the first post is “What do you mean you retired at 30?”

Retired. At. 30.

It was a simple picture of a very clear end destination that automatically got people’s imagination running and filling in their own details.

Everyone knows that a 30-year-old is a fairly young adult with lots of promising life ahead of them. And everyone knows that “Retired” must mean some unusual financial accomplishment was involved, which makes them imagine what their life would be like with that sort of money.

In retrospect, that marketing decision was the main thing that has made the MMM blog catch the attention of newspapers, which in turn brought in the readers, which in turn kept me motivated to keep writing it. So painting that initial picture was an amazingly big leverage point.

And Cyclocroft worked in exactly the same way. You’ve heard me harping almost daily about “live close to work and ride a bike”, but this produces only small changes in the world. You are still fighting the car-based design of your city, your car-loving spouse, and all of the excuses that pop up from looking at the small day-to-day picture.

But Tara and John bypassed all of those arguments by sharing a simple, beautiful picture of the end lifestyle, with just enough detail to provide a framework that got everyone’s imagination running.

Car-free city. Next to Boulder. 50,000 people.

People read these key points and see the pictures, and in their minds they are already nestled into this bucolic town in the Sunny Western US at the base of the Rocky Mountains. For most people, the sale is already made and now they are ready to hear the details – most importantly “How can I get you my money?!”

Once you go looking for this pattern, you see it everywhere, especially in the most successful bits of persuasion in the world.

Tesla almost completely took over the coveted luxury car market with no paid advertising, even while its competitors fought tooth and nail with their old ads, by painting a clean-slate picture: clean, beautiful, prestigious cars that are the fastest in the world. They were introduced to the world as if they were movie stars, rather than squeezed out through the crusty sphincter of an old corporate marketing department as most cars are. They can even make a commercial hauling appliance into a rockstar that has everyone waiting breathlessly for its world-changing arrival.

So How Can You Use This Amazing Power on Your Own Life?

We can see how this works by painting a few pictures of our own:

You want less money stress in your life:

Describe the picture of your ideal financial life. Your house is paid off, the kids are well cared-for, and you think about money no more than you think about tap water. It’s just there, so instead you spend your time figuring out how to get more fulfillment out of each day.

Then to get there, you suddenly feel the motivation to streamline your spending (and perhaps optimize your earning) today. It’s no sacrifice to skip over a car upgrade, if it rockets you towards this clear picture of your future life, right? And conversely, making the car upgrade is suddenly less appealing if it means you will be extending your time on Cubicle Lockdown by three more years and pushing off the beautiful picture you have painted for yourself.

You wish your spouse was on board with more frugal living:

You won’t get anywhere by nagging your partner that she needs to take shorter showers or telling him to give up his Porsche convertible. The only hope of teamwork is to agree on the end goal: do you want financial freedom more than you want the Porsche, or not?

Well then, what does financial freedom look like? Perhaps it includes being able to stay home to raise children, or to have more time to travel together, or to pursue part-time meaningful work instead of full-time-just-because-I-need-the-money careers. Or something else you can both agree on. This article on Selling the Dream describes a case study where this method worked beautifully for a couple.

Once the dream is there, the daily steps that move you towards it become easy and obvious.

You want to earn your dream job

Rather than sucking up to the company or stepping through your individual qualifications and acronyms of all the programming languages you know, begin your campaign as though you’ve already won.

Describe (with beautiful pictures of your past work and future proposals if appropriate), the way that things will work, once you are working with the company. The ways you are excited to build the culture of the group you will be joining and managing, and why that is destined to influence the entire company over time. This vision of you excelling in this job needs to become a crystal clear anchor in the company manager’s mind, that lodges itself in as the way things are going to be. From there, it becomes difficult to dislodge.

These same principles work in both large and small situations, for persuading any range of people from just you up to the entire Human population. From getting into better physical shape to winning an election.

My own Failures to Paint the Picture

When I look at my own areas of less-than-satisfactory performance in recent years, they all carry the hallmark of scraping along from one daily hardship to the next, while neglecting the big picture.

My former wife and I did not keep our own marriage alive, and it may be partly because we didn’t think of what we wanted a good marriage to look like. We just reacted to the ongoing realities of daily life, doing more damage as time went on.

My son copes with some anxiety and can tend to be an extreme homebody, avoiding all new situations if not challenged to do otherwise. But if you work at it, you can get him out for adventures, and he always has a great time. And his Mom has shown much greater skill than me in making these things happen until I learned to start using the same tricks.

Far too often during our days together, I would make a few offers to go out and do things together, then give up and feel deflated when he rejects them. And I come back the next day and try the same thing, and I usually get the same result.

But if I paint the bigger picture well in advance – for example of a two-night camping trip with his favorite friends and their dads and kayaks and sand dunes – the chance of a breakthrough greatly increases.

The recipe for change is right here in front of all of our faces. It’s up to us if we are bold enough to paint the picture, and then do the work that will become obvious once that picture is hanging on the wall in front of us.

Okay, but When Do We Get To Move to Cyclocroft?

I am happy that this big, beautiful picture of the future of North American city planning is now out there, creating an anchor in the public mind that is bound to stick. That alone is an amazing accomplishment.

For my part, I’d love to help out in many ways. But at the same time, the picture I have painted for my own life does not involve being a property developer. I’ve done that on a small scale in the past and learned there are other people that thrive on the phone calls and meetings and contractor cat-herding much more than I do. So as much as I’d love the results, I’m not willing to do the work. And this is a great thing to know about myself, because chasing accomplishment and prestige and things that seem “important” is not necessarily the path to a happy life, if you don’t enjoy the work along the way.

But with the right group of people working together on the aspects they truly enjoy, it really could happen. Tara and John like designing spaces. I like describing things to the world, but also solving physical and engineering problems. You might like running a restaurant or a bike shop, or playing in a jazz trio. It takes all sorts of people to build a new city and change a culture, but as long as we are all working on the same end goal in mind, we will definitely get there.

——

* Never mind that this particular chunk of beautiful land is an NOAA facility which means it will never be for sale! The real point is that when you only need one square mile, you can fit a world-changing city almost anywhere, including into the corner of an existing large family farm.

This is email #51 of roughly 52 Classics in the MMM boot camp series. You can always find the original versions of any of my posts in this complete list of all posts.

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  • How to Make A Thousand Bucks an Hour
    How to Make a Thousand Bucks an Hour ​ (Just another summer evening skate-n-scoot outing with Mini Me, back in August 2019 when this article was first published) It’s Back to School time here in Colorado, which means both my son and I will be hanging up the swim shorts and kayak paddles and getting back to more serious business for a while. It has been a slow and endlessly sunny and leisurely summer, and a nice break for both of us, which has been very relaxing and a great time f
     

How to Make A Thousand Bucks an Hour

How to Make a Thousand Bucks an Hour

(Just another summer evening skate-n-scoot outing with Mini Me,

back in August 2019 when this article was first published)

It’s Back to School time here in Colorado, which means both my son and I will be hanging up the swim shorts and kayak paddles and getting back to more serious business for a while.

It has been a slow and endlessly sunny and leisurely summer, and a nice break for both of us, which has been very relaxing and a great time for bonding.

But relaxation has its limits. At some point all that Chilling Out fades its way into Complacency, and our natural Human nature starts to work against us, telling us to conserve energy and not really do much of anything. And laziness begets more laziness, and life actually becomes less fun.

You can see this effect in our activities. I’ve only completed two blog posts over the entire summer holidays, and together we have put out only two YouTube videos. Spending more time at home and less at the MMM Headquarters squat rack has caused me to lose at least five pounds of leg muscle that I had wanted to keep. Little MM has spent a lot less time practicing on the upright bass and creating his own new stuff, and a lot more time playing video games and getting sucked into the “dank memes” and “Trove” channels on Reddit.

It has been a fun break, but as the freshly polished school buses awaken with the sunrise, it will be even more fun to get our own lives cranking into a higher gear as well. And if you’re reading this, it means I am off to a great start!

Complacency Is Expensive

This laziness was affecting my financial life, and your financial life too. I had let thousands of dollars of uninvested cash build up in my checking account, where it was sitting around earning nothing. My credit card bills had come in, been automatically paid, and filed themselves away without me even reviewing them for fraudulent transactions or wussypants spending on my part. And I had a growing mini-mountain of things I need to do regarding insurance, accounting, and legal stuff in both my personal and business domains.

And yet once I got my act together last week, I cleaned up the whole mess and set things straight in less than an hour.

It’s not Just Me, it’s You

When I talk to friends and family, I notice a common theme: they tend to set up certain “hassle” things once, and then ignore them as long as possible unless some absolute crisis comes along and forces them to make a change.

“Oh, I just do all my insurance stuff with Jim Schmidt’s Insurance office downtown, because my parents referred me to him when I first moved out for college.

Even better, his wife Jane runs a loan brokerage, so she handles all our family’s mortgage needs!”

On this surface, this sounds fun and folksy and like a nice way to do business. And that is exactly the way I like to live: keeping my business relationships as casual and fun as I can. But when it comes to money, complacency can come at a price, so at the bare minimum we should find out exactly what price we are paying.

For example, just recently a coworking member came to me and asked for some financial help. And as always, I suggested we start by looking at big recurring expenses. So we dug into the details of her insurance and other major bills streaming in from ol’ Jim and Jane, and found an interesting breakdown:

  • Required liability coverage on a 2010 Subaru Forester: $580 per year
  • Optional collision and comprehensive coverage ($500 deductible): $360 per year
  • Home insurance on a 2000 square foot house ($500 deductible): $1450 per year
  • Mortgage interest on a $300,000 loan at 4.85%: $14,550 per year
  • Student Loan interest on an old $35,000 student loan at 5.5%: $1925 per year

Total: $18,865 per year.

It’s no wonder my friend was having financial stress – she had interest and insurance costs that were soaking up half of a reasonable annual budget before she could even buy her first bit of groceries or clothing.

So, right there we did a quick round of phone calls and online quotes, and streamlined a bit of the insurance coverage by increasing the deductibles. Within 90 minutes (she did most of the work while I had a beer and swept the floors of the HQ), we had the following new set of options:

  • Subaru liability coverage: $380 per year ($200 savings) through Geico
  • Removalof collision and comprehensive (in the unlikely event of a crash, they could afford to replace the car with less than two months of income) ($360 savings)
  • Home insurance on a 2000 square foot house ($5000 deductible): $650 per year ($800 savings) through Safeco
  • Refinanced mortgage to 3.375%: $10,125 per year ($4,425 savings)
  • Refinanced Student Loan to 3.85%: $1347 per year ($578 savings)

New total expenses: $12,502 ($6363 per year in savings!!)

It is hard to even express the importance of what just happened here. My friend just did two hours of work in total while we chatted, and dropped her annual expenses by over $500 per month, or six thousand dollars per year. And she will of course invest these savings, which will then compound to about to about $86,000 every ten years.

Even if she has to do this annual round of phone calls and websites once per year to maintain the best rates on everything, she will be earning about $3150 per hour for this work. Hence the bold title of this article, which you can now see is very conservative.

The Optimization Council

The first Optimization Council meeting at MMM HQ

So you’re convinced. $3150 is enough to get you to pick up the phone, but how do know who to call? Who is going to be your coach if you don’t live near Longmont and thus can’t just join the HQ and have Mr. Money Mustache tell you what to do?

The great news is that all of this knowledge already exists, right in your own circle of friends. To extract it, you just need to gather them together and get them to talk about it.

Earlier this month, I floated exactly this idea with the members of my coworking space, proposing that we form a group with the witty name “The Optimization Council.”

The Council would meet every now and then to talk through life’s biggest expenses and opportunities, and harvest the wisdom of the group so we can all benefit from the best ideas in each category.

(Side note, you can see my recommendations any time on the mmm-recommends page)

The response to this idea was overwhelmingly positive. So we called a first “test” meeting earlier this month and a small group of us talked through the first few categories, sharing not just names like “I use Schmidt Insurance”, but details like, “We have $250,000 coverage with a $1,000 deductible and our premium is $589 per year.”

The meeting was so lively that we quickly ran out of time, but resolved to meet again soon to figure out more things together. I served as the scribe using a shared google doc – here’s a snapshot of that to give you an idea of our topics:

So Yes. There is some thinking and work involved. But there’s also an opportunity to drastically improve your short term cashflow and long-term wealth, and break your friends out of their cautious shell to help them get the same benefits.

As we learned long ago in Protecting your Money Mustache from Spendy Friends, most people tend towards complacency, and following along with the group. Which leaves a big gaping void at the top of the pyramid where the leadership role waits unfilled.

If you are bold enough to climb into this spot (which really means just sending a few emails and Facebook messages, procuring a box or two of wine, and making a large tray of high-end nachos for your guests), you can all reap the rewards for decades to come.

And instead of avoiding this little chore like a hassle, dive into it like a gigantic shower of fun and wealth. After all, this is pretty much the core attitude of Mustachianism Itself.

In the comments: we can start our own Optimization Council right here. If you have found a good deal on any of the categories of life, feel free to share a quick summary of your location (state), and details of the company and product/service/price that you found is the best. To avoid spam filtering, please use names but not direct links.

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This is email #52 of hmm, slightly more than 52 Classics in the MMM boot camp series. You can always find the original versions of any of my posts in this complete list of all posts.

Know anyone else who needs some of this MMM Medicine? Tell them to sign up here!

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  • Get Rich With: Your Own Urban Tribe
    ​Get Rich With: Your Own Urban Tribe​ ​ ​ A small tribe of Mustachians gathers in a Seattle Park earlier this summer Here in the MMM household, we live a lifestyle that could be considered unrecognizably oddball, or classically familiar depending on who you ask. Although the fairly well-appointed house in an expensive area probably does a good job at reassuring certain neighbors that we fit in, our lives are pretty different. We spend most of our time within a 2-mile c
     

Get Rich With: Your Own Urban Tribe

Get Rich With: Your Own Urban Tribe

A small tribe of Mustachians gathers in a Seattle Park

A small tribe of Mustachians gathers in a Seattle Park earlier this summer

Here in the MMM household, we live a lifestyle that could be considered unrecognizably oddball, or classically familiar depending on who you ask. Although the fairly well-appointed house in an expensive area probably does a good job at reassuring certain neighbors that we fit in, our lives are pretty different.

We spend most of our time within a 2-mile circle with home at the center. The car is just starting in on its third tank of gas for the year, and I’m expecting this one to make it through December. We often go months without visiting any store besides the grocery, and the half million dollar house contains no TV set, clothes dryer, powered lawnmower, ties or suit jackets of any sort, and no items of clothing (other than great hiking shoes) worth more than about $50.

None of this is by necessity or due to lack of money, it’s just how we’ve ended up after ten years of freedom from conventional work, while trying to optimize our lives for happiness rather than maximum consumption. But the end result is still pretty powerful, as I can’t seem to blow more than about $25,000 per year no matter how luxurious we feel our lives are.

The further along we go, the more I realize this is a great way to live, and probably not just for us. Because a life like this comes with other changes aside from the superficial spending-related ones described above. It seems that we are sliding right into the comfortable groove of much older human civilizations, the ones in which all of our instincts are more at home: something you could call the tribe.

The Modern Urban Tribe

I’ve noticed that our life is following a pattern that echoes back to a far distant era. We wake up when our bodies feel they have had enough sleep and the house is brightening with the sky. I walk outside to inspect the sunrise with bare feet and strong coffee, and a relaxed breakfast for all of us is never compromised. Only after this routine, sometimes with music or other times with a chapter of reading from a book, do we start to think about other things like meetings or appointments or heading out for some good old-fashioned hard work.

Our house backs onto a park, which is at the center of a human-friendly community where people actually walk places. Because of this, people tend to just show up throughout the day. Little MM might run out to join some friends after seeing them out throwing toy airplanes in the park, who later join him to make mud rivers in the back yard or come inside for a round of Starcraft II. Kids wander in pairs or groups from one household to another without an armored SUV escort, or even shirts or shoes. We all climb trees and play in the creek. Adult friends might stop in as part of an afternoon walk, which ends up leading to beers and the joint cooking of a feast, which in turn attracts other adults and children, possibly even leading to unexpected tent sleepovers in the back yard.

In such a community, leisure and work tend to blur together. I might recruit a friend to help build a fence, who ends up needing my help to replace a furnace. A third friend might stop by to learn about the installation process, but mention a house he saw for sale down the street which leads to a short-term real estate investment partnership. Everybody could use some help at times, and everyone has some help to offer at other times. As a result, kids and salads, tools and books and loaned vehicles, money and heirloom tomatoes and homebrews tend to circulate freely through the crowd, enriching us all with each transaction.

Such a life is not just the quaint habit of a few lucky rich people in a friendly, safe neighborhood. It is the foundation of human civilization itself. We are meant to live in medium-sized groups, to walk between each other’s dwellings, and to collaborate and play freely with an abundance of unscheduled free time. When you start with these basic building blocks of a community, you automatically press your happiness buttons and suddenly start living a much happier, healthier life.

Lessons in Tribalism from my Summer Vacation

This summer, I had an unusually action-packed trip as I made my way through the cities of Hamilton, Toronto, Ottawa and surrounding spots in Canada to visit friends and family. With our own lifestyle so bright in my mind, it was fascinating to see how other people live.

Many people we know in Ottawa live in isolated suburbs, scattered 30 miles from their other friends and from work. Some chose their location because they wanted to live on a large plot ofland, and others because they wanted a big house that still fit within the limits of their mortgage payment budget. But few if any made the choice based on living within walking distance of friends, family, food and work.

They have adapted to this situation by living more planned lives. A long email discussion of schedules precedes any gathering of friends, and they need to work around traffic and weather and repairs and gas prices. Over the decades, I have watched as friends bought brand new cars which have gone from shiny to dull to rusty to junkyard while my own car seems to resist aging, having yet to lose the stiff blackness of its nearly new seat fabric. Getting together is still fun, but it tends to happen less often and end earlier in the night. I couldn’t help but notice the amount of happiness this physical distance seems to subtract from the equation.

Later I ended up in San Francisco, peeking in on the lives of some new friends as an outsider. As I joined the neighborhood parties and looked at the way this much smaller, bike-scaled city functions, I noticed that the social life of these friends was much more similar to my own despite the much larger population of the city. Spontaneous gatherings and sharing of household amenities was the norm. Patios or parks would fill with neighbors and driveways would fill with bikes. The fact that people lived within walking or biking distance of friends seemed to make all the difference.

The final lesson came when I headed to Victoria, BC for three days. This is an island city of 80,000 people which happens to feature the highest rate of bicycle commuting in Canada. Meeting a friend at a the airport, we immediately went to one neighbor’s house to borrow a bike for the duration of my visit and ditched the car. Then we rode to a barbecue gathering for local business owners. The next day featured a longer ride through the city and out to the surrounding lakes and mountains, then I took a bus downtown to join a meetup of Mustachians in a public park. Afterwards we walked out for a late night dinner, and then I enjoyed an hour-long solo midnight walk back through the city to my temporary home.

I found an amazing similarity to my own life at home in our neighborhood in Small Town Colorado. More seemingly random people knew and cared about each other, spontaneous gatherings and excursions to the mountains were commonplace, and the general consensus was that this was a wonderful and happy place to live. Prosperity and good health seemed to be in abundant supply in these more tribe-oriented places.

So How Can this Make us All Richer?

I believe the close and local community is a big part of what we’ve been losing with modern life. The dual-full-time-income-plus-kids household, ivy-league preschool syndrome, car commuting and suburban sprawl in our city designs have all made it a little harder to live a local lifestyle. But it absolutely does not have to be that way.

There’s a Greek island called Ikaria that pops up regularly in health news because its people enjoy some of the longest, healthiest lives on Earth. At least once a month, somebody emails me a link to one of a few major stories about it, because they notice the parallels to the lifestyle you and I are working towards right here. Plenty of sleep. Some outdoor hard work every day. A high degree of socialization. And of course, olive oil and wine as desired. Ikaria is the Original Island of the Mustachians. Even without much money, these people are wealthier than most of us in rich cities.

Slowly but surely, the US is waking up from its suburban slumber and starting to change the way cities are designed, with groups like Strong Towns pushing and city planners trained in New Urbanism pulling as they gradually start displacing the people who were raised with nothing but cars. But without even waiting for these changes, we can start adding some Ikaria to our own lives.

Great Friends are Hiding Among your Neighbors

Some of my own tribe travels the streets of Longmont, CO

Some of my own tribe travels the streets of Longmont, CO

You just need to start meeting your neighbors. Not just one or two of them, but all of them. Not everybody will be cool or fun or have much in common with you, but some of them actually will.

When I move to a new house, I actually write down the addresses of the 10 nearest houses and then set a goal of filling in a name and summary of the details for each household. Then I keep branching out and making eye contact and meeting people from other nearby blocks, because it is a genuinely happy thing to know people who live so close to you. Why focus your energy on traveling to meet friends who live several cities away, while ignoring those right next door who you haven’t even met yet?

Joining local groups can facilitate this, whether it’s through a school, business group, church, or bike, sport or volunteer club. Even getting a part-time job at an in-style downtown venue works well. The key to keeping it tribal is simply to keep it local – you need to mingle with people you actually live with. To create an area with a “high social collision rate” as a doctor friend of mine puts it.

Even after 10 years in my own city, I still run into a new person every week who I’d actually like to spend time with, who lives within a five minute walk. As the network grows, so does my happiness. And miraculously, the number of things I can think of to spend money on continues to drop, because a more satisfying life automatically cuts down your desire to doll it up with more toys.

The answer to a better life may be walking past you right now.

Further Reading:

This year a busy urban neighborhood in South Korea tried banning cars for an entire month. It ended up blowing everyone’s minds for the better: http://www.fastcoexist.com/3045836/heres-what-happened-when-a-neighborhood-decided-to-ban-cars-for-a-month

Are you ready to start making this happen in your own town? The first city in the US to accomplish this feat will start a chain reaction that changes everything.

This is email #53 of 53 Classics in the MMM boot camp series, although there's a special finale coming next week. You can always find the original versions of any of my posts in this complete list of all posts.

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  • The Last Boot Camp Email: You Made It!
    ​ ​ Wow, has it been a year already? If you’re getting this email, it hopefully means that you have been receiving (and diligently reading) these MMM Boot Camp series emails for an entire journey around the Sun. And if everything went as planned, you have picked up at least a few new tricks, life philosophies, ways of thinking and even permanent habits that will help you continue on your own path to ever-better living. A totally optional way to say "thanks": If this serie
     

The Last Boot Camp Email: You Made It!

Wow, has it been a year already?

If you’re getting this email, it hopefully means that you have been receiving (and diligently reading) these MMM Boot Camp series emails for an entire journey around the Sun. And if everything went as planned, you have picked up at least a few new tricks, life philosophies, ways of thinking and even permanent habits that will help you continue on your own path to ever-better living.


A totally optional way to say "thanks":

If this series has been valuable to you, and you'd like to contribute a small token towards helping me keep the newsletter going and funding strange, new interesting projects to write about and ongoing philanthropy, I'd welcome any thanks you'd like to pass along here.

It works via PayPal or with any credit card, and thanks again for your support if you choose to do so!


Of course, if you’re doing it right there should be no real “End” to this practice of learning about yourself and the wider world, and the subject of money is just one little part of it. In fact, the wealthier you get in a monetary sense, the more you realize that none of this is really about money in the first place.

Which would be a bummer if you were focusing only on getting rich, but a joy when you realize that you now get to enjoy the rest of your life in a state of highly engaged freedom, seeking knowledge and wisdom and experience just for the joy and satisfaction of it.

And there will always be new ideas, findings and life experiments you can try on yourself and the people you care about in your life. Welcome to Earth, the ultimate eternal flying laboratory of Science and Love!

From my perspective, it has been loads of fun to put this series together and there’s still more work to do. Since many of these articles were first written years ago, I had to dig them out of the crate and wipe off a considerable layer of cobwebs and dust before they were ready to be sent out. This meant that for the past year, I have been running along just ahead of the first round of readers, throwing down planks on the suspension bridge right before the trampling feet arrived (or sometimes a little bit too late, as you may have noticed if we missed a few Mondays.)

But now the work is done, and I hope that many more people will go through this series and keep providing feedback and ideas and sharing it around so it can keep doing its work for many years to come. I like to think of it as a living, time-release book that gently forces you to keep returning to these ideas over and over, week after week, for a period of time that is long enough to create real habits.

So What Now?

First, you might want to celebrate with the official Mustachiansism Music Video!

video preview

Although you have inhaled the equivalent of about 300 pages of Mustachianism with these lessons, you’re still at only at about 10 percent of the total quantity of stuff that is on the MMM blog alone (available in the handy All Posts List). You’re welcome to read as many of those articles as you like, join me for very occasional short-notice chitchat (and sometimes get notified of real life events) on my Twitter account,

And if you happen to live nearby, maybe even join as a member and help support our rather splendid local community though the HQ Coworking Space here in Longmont, CO.

You can also participate along with tens of thousands of others in the old-school-but-still-vibrant MMM Forum, or get into the archives of literally thousands of other finance and life blogs out there, including my friends JL Collins, the Mad Fientist, Paula Pant, Mr. 1500 Days and too many others to list.

However, sometimes researching can be the enemy of doing. And reading too much stuff on the Internet can definitely be the enemy of living a good life.

So if you think you’ve got the basic ideas down, why not hang up the keyboard and tuck the phone away somewhere inaccessible as your next move, and just go out into the real world more often?

Join meetup groups, cancel your Netflix and TV subscriptions, and start keeping a paper-and-pen notebook for exploring your thoughts and plans, right on the kitchen table where you normally have your phone while eating breakfast.

The reason I barely got this email boot camp done on time, and the reason I only get around to writing a new blog post every month or three these days, is because I’m finally practicing everything that is preached within this boot camp. I’m out walking along the forest trails with my son every day to catch the best sunrises and sunsets and Eagle sightings. Building houses and going on camping trips and riding bikes and hosting events with my best friends, giving us all lots of opportunities to meet even more of them.

It’s nice to have plenty of money, but really it’s something most of us don’t think about much as we get closer and closer to financial independence (and then usually cruise way past the finish line accidentally). There are much bigger challenges and interesting puzzles to work on during the remaining decades of your long and prosperous life.

And I wish you great satisfaction as you muscle your way through the thick foliage and challenging rope ladders of your new Badass Life of Leisure.

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  • (New Post!) How Unlimited Free Stuff from Amazon Almost Ruined My Retirement
    ​How Unlimited Free Stuff from Amazon Almost Ruined My Retirement​ (Hello! Just a note that you can also read any of these newsletters directly on the blog by clicking the article title above. That will get you the latest version with any updates, reader comments, and it helps support the website and newsletter as well) --- It all started last winter when I innocently posted a review for a heated vest I had bought on Amazon. I was happy with this fun new way to beat the winter an
     

(New Post!) How Unlimited Free Stuff from Amazon Almost Ruined My Retirement

How Unlimited Free Stuff from Amazon Almost Ruined My Retirement

(Hello! Just a note that you can also read any of these newsletters directly on the blog by clicking the article title above. That will get you the latest version with any updates, reader comments, and it helps support the website and newsletter as well)

---

It all started last winter when I innocently posted a review for a heated vest I had bought on Amazon. I was happy with this fun new way to beat the winter and wanted to share it with others, so I gave it five stars. But soon after I clicked “Submit”, I got an email from Amazon which said something like,

“Congratulations! You’ve been selected to join Amazon Vine for writing helpful reviews!”

I was already aware of the basic idea of Amazon Vine since I had seen product reviews from other people in the program – typically called “Vine Voices.” The basic idea of this program is that you can order stuff from Amazon for free, as long as you agree to review at least 80% of the things you order.

“Hey, that’s cool”, I thought, “Who doesn’t like free stuff?

Especially since I’ve already been writing product reviews out of the goodness of my heart – why not be rewarded for it?”

So without giving it much further thought, I clicked “accept” on their terms and conditions and joined the program.

And so began a saga that has taken me on a surprising journey over the past nine months causing me to:

  • collect a surprising amount of stuff I wouldn’t have otherwise bought
  • waste a surprising amount of time reviewing it all
  • and realize that I actually became a bit addicted to this cycle, despite the fact that I’m already retired and was absolutely not looking for a side hustle.

Okay, I’ll admit that there were also some upsides. My original idea was partly to save some money, by getting stuff I genuinely would have bought anyway, in a way that sounded fun. And that did happen – I saved at least a few thousand dollars tools and materials for my construction business and the MMM-HQ Coworking space, for free. Plus, at least some of the motivation for signing up was to put myself through an experiment so I could write this blog article about it. And if you’re reading this, it looks like that happened too.

But I was still surprised at how powerful the combination of small nudges and incentives from Amazon was able to hijack my frugality instincts – and get me to do a bunch of work that wasn’t really the best use of my time.

So I thought if we review my journey and break down with a bit of Behavioral Science, we could all learn a few valuable things by laughing at Mr. Money Mustache’s folly.

Scarcity Brain and the Online Casino Effect

One of the most interesting books I’ve read in recent years is Michael Easter’s Scarcity Brain. It’s an exploration of the sneaky ways that modern gambling platforms, marketing and social media algorithms are all built upon two weaknesses in our evolutionary programming:

  • Our desire to double down on hunting and gathering when we get even a small taste of success (because it’s a clue that there might be more food in the area, and
  • Our desire to gorge on rich food when it is available and stockpile resources whenever we can, even if we already have more than we need.

As I look back now, I realize that I fell straight into those same traps, because the Vine program has some of the properties of a casino or a TikTok feed:

  • Unpredictable Rewards
  • The concepts of scarcity and limited time
  • Fresh content every time you check back in

Every time you log into the exclusive “reviewers only” Vine website, you’ll see different stuff available for the taking. Sometimes there is almost nothing worthwhile – you’ll search for “porcelain plates” and get endless pages of pink plastic disposable party plates instead. You go searching for a toaster for your kitchen but instead there will be just a toaster cover with a cat wearing a witch hat. WTF!?

And you thought I made that last one up

But occasionally, there will be genuinely useful things like super nice light fixtures, tools and plumbing parts, an EV charger, and even some clothing. My favorite ridiculous Eagle shirt as featured in the Mustachianism music video was an Amazon Vine find.

The Eagle Shirt, in the glorious final scene of Mustachianism.

As were a whole supply of super-realistic artificial plants, which while tacky in principle, have been amazing for hard-to water courtyard garden areas at the MMM HQ.

Alan Donegan crafts an artificial yet beautiful garden during a visit to the MMM HQ in March

I also had a lot of fun roping in friends and coworkers from HQ to help and share in the bounty. I let them help me request and review stuff that they wanted, and then they got to keep it. This seemed like a win/win because we shared the work and the fun of laughing at some of the ridiculous products available.

This totally-not-photoshopped cold plunge was one of the available scores.

Still, as I went through this experiment this spring and summer and allowed the system to coax me into doing 80 reviews so I could upgrade my account from Vine Silver to Vine Gold*, I noticed something didn’t feel quite right.

I was checking the Vine page every day for scores, even when I didn’t actually need anything. It would usually be a bust, but just often enough, something I actually wanted would come up, and I’d order itbefore it was too late. Scarcity and unpredictable rewards at work.

Then the bounty would come, I’d unpack it and photograph it with assembly-line speed so I could batch-write all the reviews once per week or so. For every review I did, I was spending time I’d rather spend doing something else. And for every questionable item I got, I was creating pollution and trash from its manufacturing and packaging – directly contradicting the main values of my life and my reason for writing this blog. And I saw all of this, yet I kept doing it!

So Was This The Downfall of MMM?

During the worst of this consumerism bender, things were dire. I was getting packages almost every day and my recycling bin was overflowing with cardboard. My son and my girlfriend started laughing at some of my more frivolous purchases, so I found myself discreetly tucking away the boxes when they were around to evade scrutiny.

But eventually, I moved into a recovery stage. I had been letting this habit continue out of laziness and as a form of procrastination: it’s very easy to order shit online and pretend I’m doing something useful, and much more difficult to get moving to do the things that really make my life enjoyable.

But I’m old enough to know that hitting the running trails and the gym for my daily workouts, and making progress on all my construction projects, and focusing on the computer as a creative tool rather than an entertainment device so I can get stuff done like this blog post, are the things that bring me the most joy.

Admittedly, some of the sucky factors of the Vine program helped make it easier to recover too. For every genuinely useful thing I found like a contractor-grade extension cord, I had to scan through endless screens of trinkets which not only wasted mytime but actually pissed me off at their very existence.

I also noticed some of the deliberately reviewer-unfriendly features built into the program which reminded me that we reviewers are definitely just low-wage workers rather than any form of VIP. The search functionality is crap, and there is no way to filter or sort the results, because they want you to have to look through everything and they don’t care about the value of your time.

Then there is the hilariously bureaucratic AI-based evaluation system which would occasionally flag my totally tame, factual reviews as “Not meeting our Community Standards” without explaining what the problem was. So I’d have to go in and edit my review, randomly changing a couple of words and maybe some punctuation, and suddenly the AI would be pacified and accept my review. Just dumb.

This is What “Fuck You Money” is For!

It dawned on me that for many people, this is just what “work” looks like. You are given a bunch of tasks and a bunch of rules to follow, in a system you didn’t create and don’t get much say in changing. And then as long as you crank out your TPS Reports without rocking the boat too much, you get your paycheck.

It reminded me of the Uber Driving experiment I did way back in 2017: as soon as I started working as a driver, I could immediately see dozens of improvements that could be made to the system that would make it function better for both drivers and passengers. But since I wasn’t the boss, nobody wanted to hear my ideas.

Experiences like these remind me that while I love hard work and I love learning new things every day, I greatly prefer being the boss. And I’ve gotten pretty damned accustomed to it after 20 years of financial independence, so I see no need to give it up.

Final Numbers

One interesting “gotcha” of the Vine program is that they do keep track of all the free stuff you get and send you a 1099 for its retail value at the end of theyear. So it’s not really free, just discounted to whatever your marginal tax rate is (about 25% for me this year). If we peek into my account right now, this is how my 2025 is looking:

So I got about $7000 worth of stuff, and could owe up to $1750 of tax on it. In my case, about 75% of it was “sold” to my business for commercial use (construction supplies which I used on jobs or HQ renovations) so it was effectively converted into real income rather than just tax burden. Some of it was stuff I would have bought anyway for my own house which I’ll gladly pay the taxes on. But there is also probably about $1000 of pure nonsense in there as well, for which I’ll owe a tax bill of $250 as penance for my itchy trigger finger on that “Order” button.

Friends who know me well won’t be surprised that I fell for this USB rechargeable, magnetic EagLamp.

Epilogue

So here we are today. While I admit that I didn’t explicitly cancel my account, I used the “Keystone Habit” trick to override the temptation to view the Vine page – mapping that browser bookmark to my daily habits list instead, a little chart which I call my “Badassity Tracker”. The net result is that every time I click it, I’m taken straight to a reminder to get up from the computer and do a quick round of exercise, so I do that instead.

The Badassity Tracker – click for larger version if you want to save a copy!

And of course my writing of this article may be a violation of the terms and conditions of the program (“the first rule of Vine is to not talk about Vine”), so it might even get canceled on me. (and if so I’ll let you know because that would be funny story as well)

But I learned a lot about habits and addiction, and realized that this same feeling might be what drives people into One More Year Syndrome, as they keep working even when they can afford to quit. I have now coached enough people through this situation to see it is way more common than I would have ever guessed.

As with all MMM articles, there’s a real life lesson in this story. It’s not really about Vine or me or my habits, it’s about you continuing to look at yourself and your life, and always questioning your own assumptions or patterns. And asking the people you trust most for feedback as well:

  • Am I running my life a reasonably optimal manner, given my goals?
  • What would you do differently if you were me?
  • Who are some people that seem to handle these things better than me, and what can I learn from them?

We will never be perfect, but the great news is we don’t have to be. All it takes is a little bit of self reflection and putting ourselves on a slightly better path, as often as we can as life goes on. We are all on a very long journey, so even a tiny course correction can make a huge difference in where we end up.

*(Vine Gold is not all that useful as it turns out as 99.9% of the available items seem to be the same trinkets you see in the Silver tier)

** What about the Heated Vest that started it all? Well, I still love that thing and now that fall is coming back it is already helping me be warmer in a cooler house. Since Amazon doesn't allow affiliate links in the body of an email I'll collect the few useful things I actually was excited about on this page: Vine Article Links

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  • My Unexpected Journey to Hormone Replacement (TRT) - NEW!
    ​My Unexpected Journey to Hormone Replacement (TRT)​ – As a man of Science, I’m supposed to hide my enthusiasm about this somewhat controversial subject, and instead direct you only to the peer-reviewed studies. But man, I feel like I’ve stumbled upon the fountain of youth here. And the more I dig into the details and the hype and controversy surrounding the field of Hormone Replacement therapy, the more I need to share the word about it to my fellow middle-age
     

My Unexpected Journey to Hormone Replacement (TRT) - NEW!

My Unexpected Journey to Hormone Replacement (TRT)

As a man of Science, I’m supposed to hide my enthusiasm about this somewhat controversial subject, and instead direct you only to the peer-reviewed studies.

But man, I feel like I’ve stumbled upon the fountain of youth here. And the more I dig into the details and the hype and controversy surrounding the field of Hormone Replacement therapy, the more I need to share the word about it to my fellow middle-aged people (both men and women).

But first a quick backstory:

I’ve been interested in optimization and trying to get the most out of my body and mind since I was a little kid. I started vacuuming up all the training and nutrition books and magazines I could find while I was just a teenager, and that field still remains a favorite of mine over 30 years later. And if you’re a long-time reader here you’ve been reminded plenty of times of this interest, because health has always been the very heart of Mustachianism.

But a funny thing has been happening in the last ten years: even as I kept honing the healthy living habits and trying my best to improve, there seemed to be a force pulling me back almost as hard. So despite working a bit harder and smarter every year, I still felt myself riding a gradually declining tide of energy, motivation, and physical stamina.

“Perhaps this is just what it means to grow old”, I thought to myself,

“But I’m still gonna keep fighting it!”

Yet there was one thing that didn’t quite fit. Why was I having this decline in energy, when some of my older friends weren’t? And why was I still seeing people out there in their 50s, 60s and well beyond doing things that I felt too tired to do today?

One of these tireless friends is a guy named Kevin, who is the personification of the highly energetic successful middle-aged man. He’s a semi-retired serial entrepreneur (and extreme rock climber) who lives in Boulder. And through an interesting twist of fate, in April of 2025 he invited me out for a hike right around the time I was doing all this wondering. And during this hike (and climb) he told me about his latest venture, a boutique men’s health company that specializes in helping men just like us get their youth back through the process of testosterone replacement therapy.

Kevin even showed me the (literal) ropes of climbing Boulder’s Flatirons mountains for the first time

Long story short: his ideas planted a seed in my head, which led to a bunch of research and a growing interest in trying TRT myself. I had of course heard about the process, but for some reason never considered doing it until I heard Kevin’s enthusiasm: he had been on it for several years, and according to him it is a “night and day difference” in all the things you want in life: energy, focus, thinking speed, and of course physical health.

This is the key slide from a presentation Kevin’s company gave on TRT. Yes, it sounds like hype when you present it this way, but these are just the physiological  properties of Testosterone itself, not just TR therapy. Which is why it’s such a valuable thing to try to maximize the hormone.

Another convenient twist of fate is that I happen to be dating an REI doctor – a Reproductive Endocrinologist and Infertility specialist who has two board certifications in exactly the relevant bodily systems that are affected by these hormones. And while she was initially skeptical that I needed more Testosterone (and in her practice she regularly sees the downsides of men taking the stuff too early in life and thus compromising their own fertility), she has followed along and helped me learn at each step of this process, eventually becoming fully in support of the program.


So I signed up as a test customer for Kevin’s new company, which is called Bolt Health. I worked with their doctor to get a baseline blood test and review my numbers compared to all the past tests I’ve collected, and as it turned out, my levels had been dropping consistently over the years, and the latest test was by far the lowest ever.

Even more telling, my age-related drop in Testosterone was correlating perfectly with my decline in energy and motivation:

These are my total T numbers from blood tests dating back to 2012. The “free” testosterone number is actually even more important than total, but it usually correlates pretty closely under normal conditions.

The next step was a prescription for a tiny daily dose of supplemental T, which arrived at my house the next week along with instructions for how to use it. And so began the journey.

Now let’s jump forward seven months to the present day as I write this.

And wow, what a great year it has been! I only wish I had known and tried this a few years earlier, because I’m getting a lot more out of my life.

It’s not a night-and-day difference for me, but more like a 50% boost in overall youthfulness and energy. The biggest subjective change is that I just don’t have sucky tired days anymore, which was the main problem with my life before: wasting too much of my precious freedom due to not having the energy to enjoy it.

This is why I’ve become somewhat of an evangelist for hormone replacement therapy for people from about age 45 onwards. It won’t work for everyone – if your levels are already pretty high, you don’t get the same boost. Two of my male friends tried TRT and quit because they didn’t notice any benefit. But these same two guys already had plenty of energy to begin with, which is usually a sign that the body has what it needs.

TRT’s Sketchy Reputation

It turns out I am very late to this party. Although Testosterone supplementation started out as a niche practice in the 1940s, from the 2010s onward it has been everywhere.

TRT is the reason you see every actor suddenly showing up buff overnight for their superhero roles and it’s also why so many of today’s CEOs don’t look anything like yesterday’s CEOs.

In many cases, it has gone too far with young men using it just to gain muscle for the beach or the football field, and questionable online providers (aka “Prescription Mills”) handing out prescriptions to anyone with a valid credit card – with profit as their sole motive. It became overhyped in certain pockets of Bro Culture, where every Bro eventually receives the advice “Bro! You need to get on the T!” from another Bro, and therefore does it. And some of this reputation surely contributed to my own skepticism.

But there’s a lot of valid science behind TRT, if you’re the right candidate and you take the right dosage. And because of that, I feel it is probably under-hyped in my own demographic, the Nerdy Tech Worker Semi Retired Dad contingent. And that’s why I’m writing this blog post, because there are a lot of us out there.

Many of us just tend to work with what we were given, and accept that aging means slowing down. And for those of us already enjoying an early retirement, we have the option of unlimited rest and recuperation time, so who really cares if we get tired a bit more often? After all, what better way to flex one’s wealth than with a decadent Tuesday Afternoon Nap while everyone else is stuck in the office?

While this seemingly healthy attitude has a lot of positive aspects, it can also mask a real problem which may be easily fixable. Because sometimes, the only thing that’s even better than an afternoon nap, is having the energy and motivation to go out for an afternoon hike, bike ride or adventure with friends. More energy is also pretty darned useful if you’re still raising kids or trying to do well in your career as a person over 45.

How it Actually Works (and What Happened to Me)

Distilling all of the fluffy discussion above into the simplest possible answer: TRT means using a tiny needle to inject a few drops of clear liquid just below the surface of your skin. And you do this by yourself at home, ideally once every morning.

Here’s one of the baby needles I use for my daily dose.
The typical serving is less than one tenth of a milliliter, which is only a few drops.

And while the term “needle” sounds scary to some, this is very different from the monstrosities they use to draw blood from your veins. This one is so miniature that you don’t need special training to use it, and you usually don’t even feel it.

So I began doing this to myself on May 1st of this year, while keeping a daily journal of my results along the way. The results seemed to be almost immediate in all the promised areas, but I know how powerful the Placebo Effect can be so I kept my skeptic’s hat on to see what would happen in the long run.

I was seeing increased energy and motivation as well as lean weight gain through the whole spring and summer, but I remember the first truly shocking observation happened during a mountain vacation in July. I was part of a multi-family trip with lively adults, chaotic kids, early mornings, late nights with a few drinks, very intense high altitude sunshine and nonstop physical activities. It was just the type of situation that would drain my energy pretty quickly in the past.

But on day three I went out on a solo mountain bike ride to explore the area, and as I was climbing a long ascent with the blazing sun cooking me from every angle I just somehow kept having plenty of energy to keep climbing. Then I came down and joined the group for a few games of full-sun pickleball, biked back up the mountain to our cabin, and the story of unlimited energy went on from there.

“Hot Damn”, I thought to myself, “I don’t know whose youthful and tireless body I have inherited here but I’d sure like to keep it!”

In August, the Bolt Health program scheduled a follow-up blood test for me and sure enough, my Testosterone levels had been boosted from 415 to 730ng/dL, bringing me from the low side of normal to the higher side.

Many labs define “normal” as anywhere between 300 and 1000, which seems strange to me given the huge effect this hormone has on your wellbeing. It’s a bit like saying “Most cars have between 90 and 300 horsepower, so it doesn’t really matter what engine you have”

I mean yeah, either one will still get you down the road, but which one would you rather be driving?

Since then, it has just been more of the same good results. My improvements ramped up and then just stayed there – so I’m operating at a new, much higher and more enjoyable level of functioning. Energy and motivation are no longer a problem, and I even find myself willing to make longer-term plans again (before this everything beyond same-day planning felt overwhelming). And my body seems to just want to gain strength and size with any excuse. Heavy weights feel lighter and the hard manual labor I still like to spend my time on feels easier for longer. It’s nice to be young again!

Far more bountiful energy made for an action-packed 2025!

So Why Doesn’t Everyone Do This?

When you dig into the details, hormone replacement is mired in a soup of both real and incorrect information about both its benefits and its risks. And then our well-meaning medical establishment locks this whole container of soup deep in the cabinet with a label that says, “Needs Further Study”. But if you summarize the findings on both sides of the issue, you’ll see this:

Stuff you should do BEFORE trying TRT:

The modern American Lifestyle is a Testosterone and Health Crusher. It’s a miracle that anybody feels good ever with the crap that people do to their bodies. So if you’re not already doing all the simple, natural, outdoor things that naturally boost your health, energy, and hormone levels, you’ll want to start with these first. You can find a pretty complete list on my oft-cited Badassity Tracker page.

Since I was already doing all of these things pretty consistently, I felt ready to take the next step and at least consider hormone supplementation. But wait, there’s more!

Risks of TRT:

  • Decreased fertility for men hoping to conceive
  • Increased production of red blood cells, which may increase the risk of blood clots for people with certain risk factors (a good provider should screen you for these risks before prescribing)
  • Potential worsening of certain prostate conditions if you already have them
  • Mood fluctuations and acne, especially if the dosing is way off.

The Importance of Dosing:

Many of the problems aboveare more likely to appear when the body is flooded with too much testosterone. In the bad old days, TRT was administered by sticking a pellet beneath your skin or injecting a large amount into the butt which then gets used up over the next several weeks. One friend recounted a story of extreme moodiness when the pellet was first implanted, ramping down to tiredness by the time the hormone was all gone.

More modern providers like Bolt have fixed this problem by breaking the dose into much smaller servings which you administer each day. The idea is that your levels remain stable, and you need a lot less overall which reduces side effects.

For my part, I have not had any of the negative side effects because I was a pretty ideal candidate in the first place: 50 years old with depressed Testosterone levels but an otherwise healthy lifestyle and no risk factors.

The Internet TRT Police

My hope in sharing this article is to be transparent and hopefully take some of the stigma out of this subject of other people who might benefit. Because in our modern over-connected world, everybody has an opinion on your life, even when you didn’t ask them.

A member of the Internet TRT Police stepped in on Twitter as soon as I mentioned this idea there.

And it’s not just men – many women in this same age group benefit from Estrogen replacement (and there are even interesting stories about female testosterone supplementation in certain situations as this author shares). The point is that aging is normal, but in some cases there’s a pretty easy way to make it slower

How Much Does this Cost?

The great news is that Testosterone itself is a cheap and widely available substance, typically under $50 per month even for people like me without conventional insurance or drug coverage. The expensive part (here in the US) is just the doctor stuff – consultations, blood tests, ongoing analysis and prescription renewals and so on.

The company that I used is positioned as a premium provider, bundling these services along with a bunch of other men’s health perks and deliveries for a few hundred dollars, which is expensive relative to most other parts of my budget, but still cheap if I consider the life and financial benefits of being 20-50% more energetic and productive.

If you want to be on this program, your final decision will hinge on your income, insurance coverage if applicable, whether your existing doctor can already help you, and how much service and advice you’re willing to pay for.

Note: I decided not to become a Bolt health affiliate because I wanted to write this article without conflict of interest. And I can honestly say, Bolt’s product and service seem great to me because I know and trust the people who run it. But it’s also the only one I’ve tried. So I don’t know much about the competition and there may be other good options out there. At the very minimum, you can always try one service and switch to another if you don’t like the first one.

The Bottom Line

I’ve got lots more to say on money and early retirement, and lots of interesting projects in the works now too. So I’m thankful to have stumbled upon this booster for all aspects of life, so I can do more of everything else, for even more decades than I had expected.

I wish this same type of good fortune for you, however you create it.

In the Comments: Do you have questions about hormone replacement or anything else in this article? I’ll try to invite Kevin, Dr. Sean Bender and other knowledgeable people to contribute and answer questions as well.

Further Reading:

Is testosterone therapy safe- Take a breath before you take the plunge – Harvard Health (2024)
Cardiovascular Safety of Testosterone Therapy (aka the TRAVERSE Study) (2023)
TRT – Association with Mortality in High Risk Subgroups (2023)
Bolt Health website – if you do decide to go with this company, be sure to ask for their best discount even though it’s not related to me.

Know anyone else who needs some of this MMM Medicine? Tell them to sign up here!

​A Few Win-Win Recommendations From MMM:

Vanguard Betterment

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    ​My Unexpected Journey to Hormone Replacement (TRT)​ – Two quick notes: ​1) My apologies if you get two copies of this email. My email provider account had some key settings wrong so only 20% of people were able to see the recent newsletters. This has now been fixed! ​​2) The article has already become quite controversial. To be clear, I am *not* getting paid to write it in any form. In fact, publishing it will probably cost me a fair amount in lost subscr
     

My Unexpected Journey to Hormone Replacement (TRT) - corrected version

My Unexpected Journey to Hormone Replacement (TRT)

Two quick notes:

1)
My apologies if you get two copies of this email. My email provider account had some key settings wrong so only 20% of people were able to see the recent newsletters. This has now been fixed!

2) The article has already become quite controversial. To be clear, I am *not* getting paid to write it in any form. In fact, publishing it will probably cost me a fair amount in lost subscribers, but it's still worth it to me to get this info out because I feel it's so helpful to those who need it.

Okay let's go!

----

As a man of Science, I’m supposed to hide my enthusiasm about this somewhat controversial subject, and instead direct you only to the peer-reviewed studies.

But man, I feel like I’ve stumbled upon the fountain of youth here. And the more I dig into the details and the hype and controversy surrounding the field of Hormone Replacement therapy, the more I need to share the word about it to my fellow middle-aged people (both men and women).

But first a quick backstory:

I’ve been interested in optimization and trying to get the most out of my body and mind since I was a little kid. I started vacuuming up all the training and nutrition books and magazines I could find while I was just a teenager, and that field still remains a favorite of mine over 30 years later. And if you’re a long-time reader here you’ve been reminded plenty of times of this interest, because health has always been the very heart of Mustachianism.

But a funny thing has been happening in the last ten years: even as I kept honing the healthy living habits and trying my best to improve, there seemed to be a force pulling me back almost as hard. So despite working a bit harder and smarter every year, I still felt myself riding a gradually declining tide of energy, motivation, and physical stamina.

“Perhaps this is just what it means to grow old”, I thought to myself,

“But I’m still gonna keep fighting it!”

Yet there was one thing that didn’t quite fit. Why was I having this decline in energy, when some of my older friends weren’t? And why was I still seeing people out there in their 50s, 60s and well beyond doing things that I felt too tired to do today?

One of these tireless friends is a guy named Kevin, who is the personification of the highly energetic successful middle-aged man. He’s a semi-retired serial entrepreneur (and extreme rock climber) who lives in Boulder. And through an interesting twist of fate, in April of 2025 he invited me out for a hike right around the time I was doing all this wondering. And during this hike (and climb) he told me about his latest venture, a boutique men’s health company that specializes in helping men just like us get their youth back through the process of testosterone replacement therapy.

Kevin even showed me the (literal) ropes of climbing Boulder’s Flatirons mountains for the first time

Long story short: his ideas planted a seed in my head, which led to a bunch of research and a growing interest in trying TRT myself. I had of course heard about the process, but for some reason never considered doing it until I heard Kevin’s enthusiasm: he had been on it for several years, and according to him it is a “night and day difference” in all the things you want in life: energy, focus, thinking speed, and of course physical health.

This is the key slide from a presentation Kevin’s company gave on TRT. Yes, it sounds like hype when you present it this way, but these are just the physiological  properties of Testosterone itself, not just TR therapy. Which is why it’s such a valuable thing to try to maximize the hormone.

Another convenient twist of fate is that I happen to be dating an REI doctor – a ReproductiveEndocrinologist and Infertility specialist who has two board certifications in exactly the relevant bodily systems that are affected by these hormones. And while she was initially skeptical that I needed more Testosterone (and in her practice she regularly sees the downsides of men taking the stuff too early in life and thus compromising their own fertility), she has followed along and helped me learn at each step of this process, eventually becoming fully in support of the program.


So I signed up as a test customer for Kevin’s new company, which is called Bolt Health. I worked with their doctor to get a baseline blood test and review my numbers compared to all the past tests I’ve collected, and as it turned out, my levels had been dropping consistently over the years, and the latest test was by far the lowest ever.

Even more telling, my age-related drop in Testosterone was correlating perfectly with my decline in energy and motivation:

These are my total T numbers from blood tests dating back to 2012. The “free” testosterone number is actually even more important than total, but it usually correlates pretty closely under normal conditions.

The next step was a prescription for a tiny daily dose of supplemental T, which arrived at my house the next week along with instructions for how to use it. And so began the journey.

Now let’s jump forward seven months to the present day as I write this.

And wow, what a great year it has been! I only wish I had known and tried this a few years earlier, because I’m getting a lot more out of my life.

It’s not a night-and-day difference for me, but more like a 50% boost in overall youthfulness and energy. The biggest subjective change is that I just don’t have sucky tired days anymore, which was the main problem with my life before: wasting too much of my precious freedom due to not having the energy to enjoy it.

This is why I’ve become somewhat of an evangelist for hormone replacement therapy for people from about age 45 onwards. It won’t work for everyone – if your levels are already pretty high, you don’t get the same boost. Two of my male friends tried TRT and quit because they didn’t notice any benefit. But these same two guys already had plenty of energy to begin with, which is usually a sign that the body has what it needs.

TRT’s Sketchy Reputation

It turns out I am very late to this party. Although Testosterone supplementation started out as a niche practice in the 1940s, from the 2010s onward it has been everywhere.

TRT is the reason you see every actor suddenly showing up buff overnight for their superhero roles and it’s also why so many of today’s CEOs don’t look anything like yesterday’s CEOs.

In many cases, it has gone too far with young men using it just to gain muscle for the beach or the football field, and questionable online providers (aka “Prescription Mills”) handing out prescriptions to anyone with a valid credit card – with profit as their sole motive. It became overhyped in certain pockets of Bro Culture, where every Bro eventually receives the advice “Bro! You need to get on the T!” from another Bro, and therefore does it. And some of this reputation surely contributed to my own skepticism.

But there’s a lot of valid science behind TRT, if you’re the right candidate and you take the right dosage. And because of that, I feel it is probably under-hyped in my own demographic, the Nerdy Tech Worker Semi Retired Dad contingent. And that’s why I’m writing this blog post, because there are a lot of us out there.

Many of us just tend to work with what we were given, and accept that aging means slowing down. And for those of us already enjoying an early retirement, we have the option of unlimited rest and recuperation time, so who really cares if we get tired a bit more often? After all, what better way to flex one’s wealth than with a decadent Tuesday Afternoon Nap while everyone else is stuck in the office?

While this seemingly healthy attitude has a lot of positive aspects, it can also mask a real problem which may be easily fixable. Because sometimes, the only thing that’s even better than an afternoon nap, is having the energy and motivation to go out for an afternoon hike, bike ride or adventure with friends. More energy is also pretty darned useful if you’re still raising kids or trying to do well in your career as a person over 45.

How it Actually Works (and What Happened to Me)

Distilling all of the fluffy discussion above into the simplest possible answer: TRT means using a tiny needle to inject a few drops of clear liquid just below the surface of your skin. And you do this by yourself at home, ideally once every morning.

Here’s one of the baby needles I use for my daily dose.
The typical serving is less than one tenth of a milliliter, which is only a few drops.

And while the term “needle” sounds scary to some, this is very different from the monstrosities they use to draw blood from your veins. This one is so miniature that you don’t need special training to use it, and you usually don’t even feel it.

So I began doing this to myself on May 1st of this year, while keeping a daily journal of my results along the way. The results seemed to be almost immediate in all the promised areas, but I know how powerful the Placebo Effect can be so I kept my skeptic’s hat on to see what would happen in the long run.

I was seeing increased energy and motivation as well as lean weight gain through the whole spring and summer, but I remember the first truly shocking observation happened during a mountain vacation in July. I was part of a multi-family trip with lively adults, chaotic kids, early mornings, late nights with a few drinks, very intense high altitude sunshine and nonstop physical activities. It was just the type of situation that would drain my energy pretty quickly in the past.

But on day three I went out on a solo mountain bike ride to explore the area, and as I was climbing a long ascent with the blazing sun cooking me from every angle I just somehow kept having plenty of energy to keep climbing. Then I came down and joined the group for a few games of full-sun pickleball, biked back up the mountain to our cabin, and the story of unlimited energy went on from there.

“Hot Damn”, I thought to myself, “I don’t know whose youthful and tireless body I have inherited here but I’d sure like to keep it!”

In August, the Bolt Health program scheduled a follow-up blood test for me and sure enough, my Testosterone levels had been boosted from 415 to 730ng/dL, bringing me from the low side of normal to the higher side.

Many labs define “normal” as anywhere between 300 and 1000, which seems strange to me given the huge effect this hormone has on your wellbeing. It’s a bit like saying “Most cars have between 90 and 300 horsepower, so it doesn’t really matter what engine you have”

I mean yeah, either one will still get you down the road, but which one would you rather be driving?

Since then, it has just been more of the same good results. My improvements ramped up and then just stayed there – so I’m operating at a new, much higher and more enjoyable level of functioning. Energy and motivation are no longer a problem, and I even find myself willing to make longer-term plans again (before this everything beyond same-day planning felt overwhelming). And my body seems to just want to gain strength and size with any excuse. Heavy weights feel lighter and the hard manual labor I still like to spend my time on feels easier for longer. It’s nice to be young again!

Far more bountiful energy made for an action-packed 2025!

So Why Doesn’t Everyone Do This?

When you dig into the details, hormone replacement is mired in a soup of both real and incorrect information about both its benefits and its risks. And then our well-meaning medical establishment locks this whole container of soup deep in the cabinet with a label that says, “Needs Further Study”. But if you summarize the findings on both sides of the issue, you’ll see this:

Stuff you should do BEFORE trying TRT:

The modern American Lifestyle is a Testosterone and Health Crusher. It’s a miracle that anybody feels good ever with the crap that people do to their bodies. So if you’re not already doing all the simple, natural, outdoor things that naturally boost your health, energy, and hormone levels, you’ll want to start with these first. You can find a pretty complete list on my oft-cited Badassity Tracker page.

Since I was already doing all of these things pretty consistently, I felt ready to take the next step and at least consider hormone supplementation. But wait, there’s more!

Risks of TRT:

  • Decreased fertility for men hoping to conceive
  • Increased production of red blood cells, which may increase the risk of blood clots for people with certain risk factors (a good provider should screen you for these risks before prescribing)
  • Potential worsening of certain prostate conditions if you already have them
  • Mood fluctuations and acne, especially if the dosing is way off.

The Importance of Dosing:

Many of the problems above are more likely to appear when the body is flooded with too much testosterone. In the bad old days, TRT was administered by sticking a pellet beneath your skin or injecting a large amount into the butt which then gets used up over the next several weeks. One friend recounted a story of extreme moodiness when the pellet was first implanted, ramping down to tiredness by the time the hormone was all gone.

More modern providers like Bolt have fixed this problem by breaking the dose into much smaller servings which you administer each day. The idea is that your levels remain stable, and you need a lot less overall which reduces side effects.

For my part, I have not had any of the negative side effects because I was a pretty ideal candidate in the first place: 50 years old with depressed Testosterone levels but an otherwise healthy lifestyle and no risk factors.

The Internet TRT Police

My hope in sharing this article is to be transparent and hopefully take some of the stigma out of this subject of other people who might benefit. Because in our modern over-connected world, everybody has an opinion on your life, even when you didn’t ask them.

A member of the Internet TRT Police stepped in on Twitter as soon as I mentioned this idea there.

And it’s not just men – many women in this same age group benefit from Estrogen replacement (and there are even interesting stories about female testosterone supplementation in certain situations as this author shares). The point is that aging is normal, but in some cases there’s a pretty easy way to make it slower

How Much Does this Cost?

The great news is that Testosterone itself is a cheap and widely available substance, typically under $50 per month even for people like me without conventional insurance or drug coverage. The expensive part (here in the US) is just the doctor stuff – consultations, blood tests, ongoing analysis and prescription renewals and so on.

The company that I used is positioned as a premium provider, bundling these services along with a bunch of other men’s health perks and deliveries for a few hundred dollars, which is expensive relative to most other parts of my budget, but still cheap if I consider the life and financial benefits of being 20-50% more energetic and productive.

If you want to be on this program, your final decision will hinge on your income, insurance coverage if applicable, whether your existing doctor can already help you, and how much service and advice you’re willing to pay for.

Note: I decided not to become a Bolt health affiliate because I wanted to write this article without conflict of interest. And I can honestly say, Bolt’s product and service seem great to me because I know and trust the people who run it. But it’s also the only one I’ve tried. So I don’t know much about the competition and there may be other good options out there. At the very minimum, you can always try one service and switch to another if you don’t like the first one.

The Bottom Line

I’ve got lots more to say on money and early retirement, and lots of interesting projects in the works now too. So I’m thankful to have stumbled upon this booster for all aspects of life, so I can do more of everything else, for even more decades than I had expected.

I wish this same type of good fortune for you, however you create it.

In the Comments: Do you have questions about hormone replacement or anything else in this article? I’ll try to invite Kevin, Dr. Sean Bender and other knowledgeable people to contribute and answer questions as well.

Further Reading:

Is testosterone therapy safe- Take a breath before you take the plunge – Harvard Health (2024)
Cardiovascular Safety of Testosterone Therapy (aka the TRAVERSE Study) (2023)
TRT – Association with Mortality in High Risk Subgroups (2023)
Bolt Health website – if you do decide to go with this company, be sure to ask for their best discount even though it’s not related to me.

Know anyone else who needs some of this MMM Medicine? Tell them to sign up here!

​A Few Win-Win Recommendations From MMM:

Vanguard Betterment

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  • Resending: (New Post!) How Unlimited Free Stuff from Amazon Almost Ruined My Retirement
    ​How Unlimited Free Stuff from Amazon Almost Ruined My Retirement​ One quick note:​1) My apologies if you get two copies of this email. My email provider account had some key settings wrong so only 20% of people were able to see the recent newsletters. This has now been fixed. ​If you're also on the Boot Camp program, this means you may have missed up to SEVEN precious weeks of emails! The good news is that if you check your spam folder, they might still be in there.
     

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How Unlimited Free Stuff from Amazon Almost Ruined My Retirement

One quick note:

1)
My apologies if you get two copies of this email. My email provider account had some key settings wrong so only 20% of people were able to see the recent newsletters. This has now been fixed.

If you're also on the Boot Camp program, this means you may have missed up to SEVEN precious weeks of emails! The good news is that if you check your spam folder, they might still be in there. I'm also going to set up a secret workaround page with links to all the boot camp articles in one place, and share it via this newsletter soon.
​​
Okay let's get back to the article!


-----


It all started last winter when I innocently posted a review for a heated vest I had bought on Amazon. I was happy with this fun new way to beat the winter and wanted to share it with others, so I gave it five stars. But soon after I clicked “Submit”, I got an email from Amazon which said something like,

“Congratulations! You’ve been selected to join Amazon Vine for writing helpful reviews!”

I was already aware of the basic idea of Amazon Vine since I had seen product reviews from other people in the program – typically called “Vine Voices.” The basic idea of this program is that you can order stuff from Amazon for free, as long as you agree to review at least 80% of the things you order.

“Hey, that’s cool”, I thought, “Who doesn’t like free stuff?

Especially since I’ve already been writing product reviews out of the goodness of my heart – why not be rewarded for it?”

So without giving it much further thought, I clicked “accept” on their terms and conditions and joined the program.

And so began a saga that has taken me on a surprising journey over the past nine months causing me to:

  • collect a surprising amount of stuff I wouldn’t have otherwise bought
  • waste a surprising amount of time reviewing it all
  • and realize that I actually became a bit addicted to this cycle, despite the fact that I’m already retired and was absolutely not looking for a side hustle.

Okay, I’ll admit that there were also some upsides. My original idea was partly to save some money, by getting stuff I genuinely would have bought anyway, in a way that sounded fun. And that did happen – Isaved at least a few thousand dollars tools and materials for my construction business and the MMM-HQ Coworking space, for free. Plus, at least some of the motivation for signing up was to put myself through an experiment so I could write this blog article about it. And if you’re reading this, it looks like that happened too.

But I was still surprised at how powerful the combination of small nudges and incentives from Amazon was able to hijack my frugality instincts – and get me to do a bunch of work that wasn’t really the best use of my time.

So I thought if we review my journey and break down with a bit of Behavioral Science, we could all learn a few valuable things by laughing at Mr. Money Mustache’s folly.

Scarcity Brain and the Online Casino Effect

One of the most interesting books I’ve read in recent years is Michael Easter’s Scarcity Brain. It’s an exploration of the sneaky ways that modern gambling platforms, marketing and social media algorithms are all built upon two weaknesses in our evolutionary programming:

  • Our desire to double down on hunting and gathering when we get even a small taste of success (because it’s a clue that there might be more food in the area, and
  • Our desire to gorge on rich food when it is available and stockpile resources whenever we can, even if we already have more than we need.

As I look back now, I realize that I fell straight into those same traps, because the Vine program has some of the properties of a casino or a TikTok feed:

  • Unpredictable Rewards
  • The concepts of scarcity and limited time
  • Fresh content every time you check back in

Every time you log into the exclusive “reviewers only” Vine website, you’ll see different stuff available for the taking. Sometimes there is almost nothing worthwhile – you’ll search for “porcelain plates” and get endless pages of pink plastic disposable party plates instead. You go searching for a toaster for your kitchen but instead there will be just a toaster cover with a cat wearing a witch hat. WTF!?

And you thought I made that last one up

But occasionally, there will be genuinely useful things like super nice light fixtures, tools and plumbing parts, an EV charger, and even some clothing. My favorite ridiculous Eagle shirt as featured in the Mustachianism music video was an Amazon Vine find.

The Eagle Shirt, in the glorious final scene of Mustachianism.

As were a whole supply of super-realistic artificial plants, which while tacky in principle, have been amazing for hard-to water courtyard garden areas at the MMM HQ.

Alan Donegan crafts an artificial yet beautiful garden during a visit to the MMM HQ in March

I also had a lot of fun roping in friends and coworkers from HQ to help and share in the bounty. I let them help me request and review stuff that they wanted, and then they got to keep it. This seemed like a win/win because we shared the work and the fun of laughing at some of the ridiculous products available.

This totally-not-photoshopped cold plunge was one of the available scores.

Still, as I went through this experiment this spring and summer and allowed the system to coax me into doing 80 reviews so I could upgrade my account from Vine Silver to Vine Gold*, I noticed something didn’t feel quite right.

I was checking the Vine page every day for scores, even when I didn’t actually need anything. It would usually be a bust, but just often enough, something I actually wanted would come up, and I’d order it before it was too late. Scarcity and unpredictable rewards at work.

Then the bounty would come, I’d unpack it and photograph it with assembly-line speed so I could batch-write all the reviews once per week or so. For every review I did, I was spending time I’d rather spend doing something else. And for every questionable item I got, I was creating pollution and trash from its manufacturing and packaging – directly contradicting the main values of my life and my reason for writing this blog. And I saw all of this, yet I kept doing it!

So Was This The Downfall of MMM?

During the worst of this consumerism bender, things were dire. I was getting packages almost every day and my recycling bin was overflowing with cardboard. My son and my girlfriend started laughing at some of my more frivolous purchases, so I found myself discreetly tucking away the boxes when they were around to evade scrutiny.

But eventually, I moved into a recovery stage. I had been letting this habit continue out of laziness and as a form of procrastination: it’s very easy to order shit online and pretend I’m doing something useful, and much more difficult to get moving to do the things that really make my life enjoyable.

But I’m old enough to know that hitting the running trails and the gym for my daily workouts, and making progress on all my construction projects, and focusing on the computer as a creative tool rather than an entertainment device so I can get stuff done like this blog post, are the things that bring me the most joy.

Admittedly, some of the sucky factors of the Vine program helped make it easier to recover too. For every genuinely useful thing I found like a contractor-grade extension cord, I had to scan through endless screens of trinkets which not only wasted my time but actually pissed me off at their very existence.

I also noticed some of the deliberately reviewer-unfriendly features built into the program which reminded me that we reviewers are definitely just low-wage workers rather than any form of VIP. The search functionality is crap, and there is no way to filter or sort the results, because they want you to have to look through everything and they don’t care about the value of your time.

Then there is the hilariously bureaucratic AI-based evaluation system which would occasionally flag my totally tame, factual reviews as “Not meeting our Community Standards” without explaining what the problem was. So I’d have to go in and edit my review, randomly changing a couple of words and maybe some punctuation, and suddenly the AI would be pacified and accept my review. Just dumb.

This is What “Fuck You Money” is For!

It dawned on me that for many people, this is just what “work” looks like. You are given a bunch of tasks and a bunch of rules to follow, in a system you didn’t create and don’t get much say in changing. And then as long as you crank out your TPS Reports without rocking the boat too much, you get your paycheck.

It reminded me of the Uber Driving experiment I did way back in 2017: as soon as I startedworking as a driver, I could immediately see dozens of improvements that could be made to the system that would make it function better for both drivers and passengers. But since I wasn’t the boss, nobody wanted to hear my ideas.

Experiences like these remind me that while I love hard work and I love learning new things every day, I greatly prefer being the boss. And I’ve gotten pretty damned accustomed to it after 20 years of financial independence, so I see no need to give it up.

Final Numbers

One interesting “gotcha” of the Vine program is that they do keep track of all the free stuff you get and send you a 1099 for its retail value at the end of the year. So it’s not really free, just discounted to whatever your marginal tax rate is (about 25% for me this year). If we peek into my account right now, this is how my 2025 is looking:

So I got about $7000 worth of stuff, and could owe up to $1750 of tax on it. In my case, about 75% of it was “sold” to my business for commercial use (construction supplies which I used on jobs or HQ renovations) so it was effectively converted into real income rather than just tax burden. Some of it was stuff I would have bought anyway for my own house which I’ll gladly pay the taxes on. But there is also probably about $1000 of pure nonsense in there as well, for which I’ll owe a tax bill of $250 as penance for my itchy trigger finger on that “Order” button.

Friends who know me well won’t be surprised that I fell for this USB rechargeable, magnetic EagLamp.

Epilogue

So here we are today. While I admit that I didn’t explicitly cancel my account, I used the “Keystone Habit” trick to override the temptation to view the Vine page – mapping that browser bookmark to my daily habits list instead, a little chart which I call my “Badassity Tracker”. The net result is that every time I click it, I’m taken straight to a reminder to get up from the computer and do a quick round of exercise, so I do that instead.

The Badassity Tracker – click for larger version if you want to save a copy!

And of course my writing of this article may be a violation of the terms and conditions of the program (“the first rule of Vine is to not talk about Vine”), so it might even get canceled on me. (and if so I’ll let you know because that would be funny story as well)

But I learned a lot about habits and addiction, and realized that this same feeling might be what drives people into One More Year Syndrome, as they keep working even when they can afford to quit. I have now coached enough people through this situation to see it is way more common than I would have ever guessed.

As with all MMM articles, there’s a real life lesson in this story. It’s not really about Vine or me or my habits, it’s about you continuing to look at yourself and your life, and always questioning your own assumptions or patterns. And asking the people you trust most for feedback as well:

  • Am I running my life a reasonably optimal manner, given my goals?
  • What would you do differently if you were me?
  • Who are some people that seem to handle these things better than me, and what can I learn from them?

We will never be perfect, but the great news is we don’t have to be. All it takes is a little bit of self reflection and putting ourselves on a slightly better path, as often as we can as life goes on. We are all on a very long journey, so even a tiny course correction can make a huge difference in where we end up.

*(Vine Gold is not all that useful as it turns out as 99.9% of the available items seem to be the same trinkets you see in the Silver tier)

** What about the Heated Vest that started it all? Well, I still love that thing and now that fall is coming back it is already helping me be warmer in a cooler house. Since Amazon doesn't allow affiliate links in the body of an email I'll collect the few useful

FTC: this blog uses affiliate links (including for Amazon) when possible so if you do buy anything through them, it will benefit the website. And thanks!

Know anyone else who needs some of this MMM Medicine? Tell them to sign up here!

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