Category Archives: Uncategorized

Sleep

Posted on by

2016-11-26-12-06-54Sleep, exercise, kindness and childcare are the foundation of my marriage.

Here’s what works for us…

  • Optimize so every member of our family sleeps well
  • Train someone to put our kids to sleep so Mom & Dad’s nervous system get a scheduled 24-hour reset on our weekly date night(s)
  • Exercise the kids
  • Use the same routine — save energy for managing inevitable surprises

As a couple, the payoff is huge… more sex (!), better moods, less bickering, better body composition, more energy, better cognition…

If you’re looking for romance then start by improving everyone’s sleep.

2016-10-23-16-05-28Saying “no” to sleep deprivation is a difficult — you might need to say “no” to pets, friends, family, extracurricular activities.

2016-10-04-18-06-32We have a family sleep system.

Our kids (4, 5 and 8) nap on all non-school days. The minimum acceptable nap is 60-minutes alone in a dark, cool room.

  • Routine
  • Separate Rooms
  • Blackout Shades

The nap gives everyone an emotional reset and splits the day in half. Often, we need a fresh start!

Sleep is non-negotiable. Obviously, we can’t force the kids to fall asleep but we can exercise them, model the desired behavior and insist on their staying in bed without electronics.

We have colored digital clocks and everyone knows to stay in their rooms until the “Green Seven.”

2016-11-18-18-55-07

Once again, consider the opposite of the bullets (above). If that sounds like your household then you have tremendous upside!

What I Learned This Year

Posted on by

2016-11-23-18-33-09-2The #1 thing is to make choices about time allocation based on how it impacts my mood.

Continually, and gradually, phase out sources of stress. I’ve been chipping away since 2000.

Making an effort is worth it — having an exceptional marriage, loving kids and a lot of self-directed time requires a commitment to gradual self-improvement.

Twenty years ago, I was lousy at most of what gives me pleasure today.

2016-11-08-09-33-49What is the system that gives me the energy required to endure the discomfort of change?

  • Sleep
  • Eat huge salads
  • Daily movement in nature
  • Relate to the world in my best environment
  • Perform small acts of kindness
  • Don’t compete

There’s an article in each bullet and I’ll get to them December.

2016-11-18-07-06-50***The stuff we put in our lives is important for what it displaces***

We are really poor at seeing the cost of the status quo.

At 47, athletic competition inserts fatigue, removes me from my children, impairs my sex drive and eliminates my willpower.

If you are a sociopath with tendencies towards addiction, promiscuity and petty crime… then adding athletic competition might be a very wise move indeed!

Pay attention to what works.

Then, pay attention when it stops working.

2016-11-19-20-10-53Finally, I’m a good parent but I don’t always enjoy parenting.

I think we should be more honest about the way things are.

Regime Change

Posted on by


A friend asked for my thoughts about “what he should do” regarding the changes that are about to happen within the US Government.

My quick answer was “do nothing.”

2016-11-25-16-16-29..but there is a lot we can do.

I spent the days after the election teaching my kids to read, helping with math and working on the family’s open water skills.

My advice to “do nothing” is based on the following…

#1 – if you are adjusting strategy more than once a decade then you don’t have an effective strategy // if you truly feel the need to change then there is a structural problem within your family plan

#2 – you should consider tweaking strategy when your life changes (not the ruling party) – unemployment, impending retirement, new dependents, less dependents, major illness, wealth transfers // external surprises are going to happen all the time — spend your emotional energy preparing yourself to stay-the-course, not feeding your fears

#3 – the best time to sell high-quality assets is “never”

2016-11-25-16-31-59#4 – all the emotional energy and financial wealth spent on elections is better allocated to the next generation of your family

#5 – the richest people in America are about to feel a whole lot richer // stay invested and, if you sell to rich people then, raise your prices

#6 – with Elaine Chao’s appointment, the pieces are falling in place for a major domestic infrastructure initiative — this strikes me as a whole lot better (for everyone) than nation building via Asian land wars

#7 – don’t build capacity, or leverage, to the peak // the next recession is likely to be large

#8 – there will be excellent buying opportunities in all our futures // I’ve been researching my next major purchase since before the last recession

2016-11-26-10-29-40The hive-mind has been wrong all year. Glaringly wrong!

I ask myself, “Have they ever been right?!”

Spending time infecting our minds with media noise is the worst thing we can do for clear thinking. Turn off the media, learn persuasion psychology and study history.

Know that the largest gains in your family’s human capital come from self-improvement, ever stronger marriages and educating the next generation.

  • Financially – stay the course
  • Individually – incremental positive change

2016-11-25-16-33-30

Seven Positive Steps

Posted on by

2016-11-15-16-04-05Seven positive steps…

1 – unfollow the two most prolific sources of agreement in my life – top right hand corner on FB

2 – dial down pundits, forecasters and experts

3 – add sources from outside my circle (Taleb, Martinez, Adams)

4 – slowly read a book about manipulation and another about high-conflict people (15 minutes per day) – choose one tactic, apply it for a month

5 – make time each day to use nature to slow my mind down (deserts, oceans, forests, mountains) (twice daily)

6 – teach a kid while demonstrating grace (2×20 minutes per day)

7 – improve my ability to listen by being still and not responding

Simple, not easy.

Effective Thinking

Posted on by

2016-11-10-10-45-33What type of life am I looking to experience day-to-day?

I’m going to wager that you’re not aiming for grief-stricken, miserable, sad or angry.

If you can feel a desire for happiness within your self, then perhaps you’ll be able to see it in your adversaries.

If you’re still having trouble then get to know the children of your enemies.

I’ve yet to meet a preschooler lacking basic goodness.

===

2016-11-09-16-39-44-1I’ve also found that, regardless of the merits of my beliefs, a negative attitude has strong effects on the people around me:

  • Negativity fatigues the loyal
  • Negativity repels the positive

Loyal, positive people are jewels in my life.

It’s worth a lot of effort to keep them in my circle.

===

2016-11-10-20-49-55It’s not always easy to see the source of my negative attitudes.

So I flip the question and ask myself, “Which actions generate a positive vibe within me?” and pay attention when I laugh out loud.

I have a good idea about my playbook.

Do you know your own?

2016-11-12-09-40-50Then it’s up to me to do the work necessary to live the life I want to experience.

Do good work.

Financial Planning for Long-Term Success

Posted on by

2016-09-07-12-05-16November 1st is the start of open enrollment in the US healthcare sector. To celebrate, Unitedhealthcare notified me that my premiums are heading up by 25%. I wonder how the total compensation (salary, bonus, private jets, security, stock) of their senior people will compare to the next president’s cabinet?

I overreact to unexpected, but manageable, loses.

Perhaps you are the same?

2016-10-14-17-33-43It takes effort to make myself more rational, and avoid exposing my family to unnecessary suffering. Here, I include loss of happiness from worrying about the small stuff.

The antidote is to always frame negative surprises in the largest possible context.

Our premium change is…

  • …less than 1% of the increase in our net assets over the same period
  • …less than 0.25% of my family’s net worth
  • …less than 5% of my family’s core cost of living

The premium shock motivated me to take a deep dive into family assets, liabilities and expenditures.

We measure core cost of living in terms of healthcare, total taxation, education, food and housing (mortgage, taxes, insurance).

Our key discretionary items are childcare, vehicles, vacations, college funds and gifting.

2016-10-14-14-56-00When you’re looking at a budget, or a business, go deeper and consider…

  1. Sources of large changes in income // unemployment, vacancies, new initiatives
  2. Sources of large increases in expenses // lease rates, insurance premiums, tax rates
  3. Prudent future planning // long lifespans, persistent lower investment returns

What can go wrong? What can we do, when inevitable shocks arise?

What can go right? How can we increase our exposure to large positive outcomes?

  • Children
  • Education
  • Capacity to help others with high-value work
  • Equity investments
  • Voluntary simplicity – our greatest wealth creator

2016-10-15-09-42-33While no one can predict the future, the 30-year bond (2.5%) is indicating that prospective returns are likely to be less than any of us have seen across our adult lives.

Historically, financial freedom targets net assets equivalent to 25 years of core cost of living. While that might be true historically, have a careful look at your joint life expectancies and quantify your longevity risk.

Young couples need to consider 50-year retirements, with 0.5-1.0% real rates of return (before taxes, fees and expenses).This possible outcome is far different than what I was taught in school, or even considered five years ago.

Creating A Life With Meaning

Posted on by

2016-10-15-15-57-57Jonser made flag so I loaded up my Alpha Child and we headed out to Coronado.

I was looking for ideas about about leadership and creating a life with meaning.

2016-10-14-13-48-27We spent the day before at Legoland – a cover story for the trip!

lexi_pinningWe went full “Colorado” for the ceremony – pink cowgirl boots and hat.

+++

What do models and professional athletes have in common?

By the time they are one quarter of the way through their adult lives, the best days of their careers are behind them.

Here in Boulder, we can pay too much attention to race fitness and body fat percentage.

+++

 

2016-10-15-14-10-10So what did Jonser have to offer?

The first thing that strikes me with senior officers is how much they get done.

The trick is being challenged enough to bring out the best in ourselves but not so busy our health, family and marriage suffer.

On the flip side, drive without a socially desirable outlet leads to anti-social behaviors (addiction, aggression, promiscuity).

My Alpha Pup has stacks of motivation, loves rules and respects authority (that’s why she got the trip to Coronado). She also loves people.

2016-10-15-15-08-14Everyone who makes it through Aviation Officer Candidate School, or Med School or an MBA program has motivation.

What’s a key differentiating factor for success?

oathEmpathetic listening.

When Jonser listens to me, it is like I am the only person in the world.

Here is a skill that can be learned, and is often ignored by overachievers.

Listening is a tough one for high-energy folks — how can we get our minds to slow enough to admit external input?

I work on impulse control. Physical first, then spoken word, then relaxing with my thoughts.

As for empathy, my kids started at a buddhist preschool. The school taught the kids, and me, various techniques for taming our inner savage.

+++

2016-10-15-17-08-18So we have motivated, empathetic listeners, who have tamed themselves. What next?

Lifelong learning and investment in the “person” through ALL levels of the organization.

The military, teaching hospitals, ministry, parenthood — these paths have the opportunity to learn, teach and serve.

Is this a field where I am going to be able to learn for twenty years?

2016-10-15-18-21-13

 

Love-Loathe Tendency

Posted on by

2016-10-14-13-30-58Pay attention and you will notice something.

It is a tendency that happens after we make a decision.

As we are presented with more information, each “bit” will nudge us more towards a more extreme position.

Eventually, we’ll be quite certain of our righteousness.

+++

If we pause then we may be able to see a reality containing some grey areas.

To see things as they are, I try to keep myself in the middle by…

  • Being cautious about public statements
  • Exposing myself to good people who disagree with me
  • Practicing not offering an opinion
  • Explaining both sides on an issue when asked for my opinion

How to practice?

  • Start by seeing the tendency in “their” actions and statements
  • Then see the tendency in “our” actions and statements
  • Then see the tendency in “my” actions and statements

Ultimately, you may be able to feel the tendency as it arises inside you.

When I feel the tendency, I pause before acting on it.

Can you feel your discriminating mind?

I feel it in my heart.

Parenting – Define Better

Posted on by

2016-09-30-16-53-02I was at a wilderness first aid course and a fellow student asked me if I thought parenthood had made my life “better.”

I gave a wry smile and shared that the challenges of fatherhood have made me a better man.

I further shared that it has been hard to detect any improvement in the quality of my day-to-day life.

+++

However, it gets easier.

Our youngest turned four last month and that marks a key shift in our house. The younger kids (4 and 5) still get worked up but we have the skills to avoid making the situation worse.

+++

Later, I had the realization that I’m basing my evaluation by looking at a single thread of my life.

You see, we only see the life we live. When I think more broadly, I’m certain that there are many threads that are tougher than living with three loud kids that love me.

For personal happiness, it pays to ask around, get out of the house and serve the community.

+++

I have accepted that I am a good parent but I might not be good at parenting.

What I mean… I can provide the kids what they need but there isn’t the ease, and joy, that I see with mastery.

I shared this observation with my parenting mentor and she gave me a wry smile!

+++

After eight years, I’ve come to the realization that my limitations are OK and I pay attention to them.

My motto…

When I am struggling with someone then it’s a sign that I’m spending too much time with them. So, it’s better for me, and them, if I stay under the irritation threshold.

Keeping a little in reserve can be easier for a guy (see my piece on Mommy Fatigue) but my wife sees the benefits (for all of us) of acknowledging limits.

High Finance

Posted on by

2016-09-24-10-14-55Keep your ears open this week. There will be a rare opportunity to learn about finance.

For my international friends, many of the American techniques (in the news) are available in your home countries. I have been applying finance, across four continents, for more than 25 years.

2016-09-25-18-48-42The overall financial system works great. However, when I try to explain certain shortcomings to my friends, their eyes glaze over and I lose them.

I wish I was more skillful.

Whether your favorite billionaire is a Cuban, a Koch, or a Buffett, we can learn a lot from insiders. A constant refrain from wealthy insiders is “complexity creates opportunity for the system to be gamed for economic benefit.”

Finance is a complex system. The system has been gamed extensively.

  • Offshore accounts (Panama Papers type stuff)
  • Thinly-capitalized investment vehicles, with lots of debt
  • Applying non-cash losses today, while deferring cash gains to tomorrow
  • Receiving preferential tax rates on gains associated with financial work
  • Using trusts to avoid estate and generation skipping taxes
  • Using special accounts to shelter income and gains across generations
  • Income reclassification to avoid income and payroll taxes

If the collective wants to run the system like that then I’ll bow to its will. However, I’m not sure the collective knows what’s up.

2016-09-28-10-43-49-1Like professional sports, my beef isn’t with the system. What irks me is the lack of integrity when insiders pretend the system is different than reality. The politics of the people I named above are different but their observations are often similar.

I’m grateful I can explain my personal reality without fear of banishment or loss.

Living a life you can disclose saves a lot of suffering.