Greetings! It’s Saturday, December 21st, 2025. Four days till Christmas; 10 until the New Year. If markets had a mood ring, it would be the Fear & Greed Index. Right now, that gauge is hovering near neutral—neither panic nor euphoria, just a collective shrug from investors. And while that may not make headlines, it offers something far more valuable: context. If yesterday’s Good Life Market Gauge is strategic, answering the question, “What should I own, and why?” (Think: long-term, structural, values-aligned planning.) And includes: - Asset allocation (stocks vs bonds vs alternatives) - Portfolio design (growth, balanced, defensive) - Risk capacity and time horizon - Your Good Life Market Gauge → choosing the right portfolio for your life stage and goals Operating over years, not weeks or months. Then… The tactical Fear & Greed Index helps you decide what to do with money already at work—when to trim, rebalance, add, or simply do nothing (often the hardest move). Together? They’re a lethal combination—in the best possible way. A Quick Origin Story (because context matters) The Fear & Greed Index was developed to quantify something investors have always known but rarely measured well: emotion drives markets. It blends seven indicators—momentum, volatility, demand for safe havens, put/call ratios, junk bond demand, market breadth, and stock price strength—into a single score from 0 (extreme fear) to 100 (extreme greed). In short: it turns psychology into a dashboard. Why This Matters Downstream Enter Warren Buffett, who famously advised us to be greedy when others are fearful and fearful when others are greedy. That’s not a clever quote—it’s a tactical portfolio management rule. • When fear is high: → That’s often when you add, rebalance into equities, or deploy dry powder. • When greed is rampant: → That’s often when you harvest, rebalance, raise cash, or reduce risk—quietly, intentionally, without drama. This is not market timing.

Greetings! It’s Friday, December 19th, 2025. Less than a week until Christmas and two weeks till 2026, but plenty of time to add another arrow to your proverbial quiver. Here’s a one-minute takeaway on the current market, valuations, and what actually matters heading into 2026: For starters, valuations matter. Just not on your timetable. The dot plot below shows a simple truth most investors know but still struggle to live out: 📉 Valuations have strong influence over long-term returns 📈 They have very little power over short-term outcomes When prices are high (as they are today), future returns tend to be more modest. Not zero. Not catastrophic. Just…earned more slowly. That’s exactly why I built The Good Life Market Gauge™ (featured). It’s not a crystal ball. It’s not a market-timing tool. And it’s definitely not about calling tops or bottoms (a fool’s errand). It’s a rules-based snapshot that translates complexity into clarity. Today’s reading: 47/100. Neutral. Selective. Slightly cautious. What that means for 2026: • Expect modest returns at best • Stay invested, but stay humble • Watch for longer-term buying opportunities • Use optimized dollar-cost averaging, not heroics Remember: We don’t win by predicting. We win by positioning, patience, and PROCESS. That’s not only the Good Life way. It’s the millionaireME way! 🐷🪽

Greetings! It’s Wednesday, December 17th, 2025. There are less than two weeks left in the year. Aristotle had a knack for saying big things in small sentences. One of my favorites goes something like this: “You are what you repeatedly do.” Translation for modern life: Your habits are quietly filling out your résumé…every single day. If you repeatedly write, you’re a writer—even if no one’s paying you yet. If you repeatedly lift weights, you’re a weightlifter—even if the mirror hasn’t caught up. If you repeatedly save, invest, and plan, you’re a wealth builder—even if the account balance still feels modest. And yes…if you repeatedly procrastinate, you become very, very skilled at tomorrow. 😅 Here’s the encouraging part: Identity isn’t declared once—it’s earned slowly. Small actions, done often, have a funny way of becoming character, competence, and eventually confidence. millionaireME isn’t about perfection. It’s about direction. Tiny disciplines. Boring consistency. Repeated often enough that one day you look up and realize, “Oh…this is just who I am now.” We don’t rise to our goals. We settle into our habits. It’s that simple. CTA: So let me ask you—what are you repeatedly doing this week that your future self will thank you for? I’d love to hear about it.

Greetings! It’s Monday, December 15th, 2025. Just 10 more days till Xmas and 16 to 2026! So…what to do with just handful of pages left in the 2025 calendar? 🗓️ Most people will stumble across the finish line…that’s the truth. But a few will extract every last drop—less stress, more clarity, deeper joy, and a stronger launch into 2026. Here are 10 high-leverage moves—simple, not flashy—that separate those two groups: 1. Close Open Loops Unfinished conversations. Lingering emails. Half-done promises. Completion creates energy. Drag creates debt. 2. Do a “Stop Doing” Audit Before adding goals, subtract friction. What habits, subscriptions, obligations, or relationships quietly drain you? (Subtraction is an elite wealth skill.) 3. Capture 2025’s Lessons Ask three questions: - What worked? - What didn’t? - What surprised me? Wisdom compounds faster than money. 4. Lock in One Keystone Habit Not ten. One. Sleep. Protein. Walking. Lifting. Daily reading. Prayer. What habit makes everything else easier? 5. Tidy Your Financial House Check: - Spending creep - Subscriptions - Debt balances - Savings rates - Contribution performance - Automated statuses for bill pay, debt service, saving, investment - Beneficiaries (seriously—this matters) Clarity reduces anxiety more than income ever will. 6. Make One Bold Financial Move Increase your automatic investing. Kill a lingering debt. Start the account you’ve “meant to start.” Momentum loves courage. 7. Repair or Reinforce One Relationship A note. A call. An apology. Gratitude expressed out loud. Relational wealth outperforms financial wealth in the long run. Every study. Every time. 8. Write a 1-Page 2026 Vision Not a novel. A drawing will work. ✍️ Or a one pager answering: “If next year goes right, what does life look and feel like?” Direction beats motivation. 9. Give Something Away Time. Money. Attention. Encouragement. Generosity rewires the brain for abundance.

Greetings! It’s Friday, December 12th, 2025. Less than two weeks till Christmas and three until the New Year. 🎄 🎊 One of the most powerful tools I’ve ever been given had nothing to do with money, markets, or tactics. It was values. Years ago, Coach K introduced me to the idea of clearly defined core values—not as a poster on the wall, but as a daily operating system. He has often credited his five core values as much as his players for becoming the winningest coach in college basketball history: Coach K’s Five Core Values • Caring • Trust • Commitment • Accountability • Pride Simple. Memorable. Actionable. Those values didn’t just guide recruiting or practices—they guided decisions, relationships, and culture. When pressure mounted, the values did the thinking. That’s the real power of values: They keep you on track when emotions, distractions, or short-term incentives try to knock you off course. Recently, my wife and I were so inspired by a values conversation that we started discussing a family summit. Not to impose our values on our kids—but to help each of them discover their own. That distinction matters. Values discovered → ownership Values imposed → resistance In the process, we identified ours as well. Interestingly, they overlap—but they aren’t identical. And that’s a good thing. Shared direction doesn’t require identical wiring. Here’s the one-sentence summary of my values that came out of the exercise: “Live faithfully, love deeply, steward wisely, create meaning, and play the long game.” But what came next was the real breakthrough. The question wasn’t, “What values should I add?” It was: “Are there any values I need to pay less attention to—for the sake of balance?” For me, the answer was clear (and uncomfortable): I need to prioritize presence over productivity. More output is not the answer. More trust is. Trust that the work already done will compound. Trust that rest has ROI—even when it can’t be measured. Trust that stopping to smell the roses is not falling behind.