Greetings! It’s Tuesday, December 23rd, 2025. Every December most of us do the same thing. We set New Year’s resolutions like: - Lose 20 pounds - Save more money - Read the Bible cover to cover - Get fit - Stress less Those are outcomes. They’re not plans — they’re wishes in nicer clothes. Goals tell you where you want to go. Habits tell you how you actually get there. 🛠 My 5 Non-Negotiable Habits (Ideally) These are the daily five I normally anchor my life to: 1️⃣ Study a chapter of Scripture 2️⃣ Walk/Pray 3️⃣ Read 4️⃣ Write 5️⃣ Lift Weights Four of them happen pretty naturally for me. But number five? Let’s just say 2025 and lifting weights were more like… casual acquaintances than close friends. 🏋️‍♂️😬 I told myself I didn’t have time. 🤦‍♂️ Which is hilarious, because lifting takes less time than a walk. Truth is: I don’t like it as much — and that’s exactly why it matters. 📅 The Only Fitness Rule I’m Carrying into 2026 Not a body goal. Not a scale number. Not a mirror selfie. Just this habit: Lift. Three times a week. Minimum. No heroics. No perfection. Just showing up. Being consistent is all. 📊 Outcomes vs Habits GOALS (What I Want) HABITS (What I Do) ──────────────────── Lose 15 pounds → Lift 3x / week Grow wealth → Invest every Monday Get closer to God → Read Scripture daily Write a book → Write 300 words/day Bottomline: Outcomes are lagging indicators. Habits are the engine. 🤔 Your Turn As you look toward 2026, don’t ask: “What do I want?” Ask instead: “What small, boring, repeatable actions — if done consistently — would make 2026 unstoppable?” What habits come to mind for you?

Greetings! It’s Monday, December 22nd, 2025. We’re living in a K-shaped economy. One line is rising—owners, investors, people with assets working for them. The other is falling—consumers, debt-holders, families working harder just to stay in place. Same economy. Very different outcomes. That reality is exactly why millionaireME exists. At the very least, the mission is to narrow the wealth gap. At its best, it’s about converting debtors and consumers into investors—owners of the very producers they already support with their spending. Here’s how: The GlidePath A safe, fast, and practical way down from debt obligations—high-interest balances, financial clutter, and payments that quietly steal tomorrow to pay for yesterday. The WealthPath Once cash flow is freed, those same monthly payments are redirected into compounding investments through dollar-cost averaging—until financial security becomes normal and, over time, after-tax millionaires are built. But here’s the part most money conversations miss: Money is never just money. It’s mental health—because constant financial stress erodes clarity and joy. It’s physical health—because anxiety always shows up somewhere in the body. It’s relationships—because money pressure strains marriages, families, and friendships. And the paradox? Some people have money…lots of it…yet aren’t truly rich—because they lost their health or relationships along the way. millionaireME isn’t about chasing more. It’s about building ownership, peace, and optionality—together. The economy may be K-shaped. Your future doesn’t have to be. 👉 Follow millionaireME for more wealth wisdom.

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.