Why your first $100k is the MAGICAL number for generating REAL WEALTH

Table of Contents


The concept that your first $100,000 is the “magical number” for generating real wealth is a popular idea in personal finance. The idea is based on several key principles:

Compound Interest

Once you have a substantial amount like $100,000 invested, the power of compound interest starts to become more noticeable. Even a modest return of 5% would generate $5,000 in a year without any additional contributions.


With $100,000, you have more options for diversifying your investment portfolio. You can spread your investments across various asset classes like stocks, bonds, and real estate, reducing your overall risk.

Psychological Boost

Reaching a six-figure sum can be a significant psychological milestone. It often serves as validation that you’re on the right track, which can be motivating and encourage you to continue saving and investing.

Lower Fees

Some investment options and funds require a minimum investment that you’ll more easily meet with $100,000. Lower fees can also contribute to higher net returns over time.


Having $100,000 can also give you the leverage to invest in opportunities that require significant capital upfront but offer higher returns, such as certain real estate investments.

Emergency Fund

A solid financial base also allows you to maintain a robust emergency fund. This means you can invest more aggressively with the rest of your money, as you have a safety net to fall back on.

Networking and Opportunities

People who have accumulated a certain level of wealth often find that more opportunities come their way, whether it’s an investment opportunity that requires capital or a business venture that needs funding.


Finally, $100,000 today will likely be worth less in the future due to inflation. Reaching this milestone sooner rather than later can help you preserve and grow your purchasing power.

Video explanation

Taken from https://www.youtube.com/watch?v=zCa2qul2WAE

This shows the power of compounding better than anything i have seen.

The initial step is to get to £100,000 as quickly as possible. As it allows exponential growth in the future.

So assuming

This is how long it would take to reach your first $100,000

And this is how long each subsuquent $100,000 would take in years

This is another way to view that and understand how the speed of compounding starts to impact your saving as each $100,000 is reached quicker and quicker.

Its important to note because of compounding how High Growth increases as you move through each Time period.

Also see

there are lots of Video out there on this topic but here are some of the best one’s i have found

Winning the Week

Largely taken from the book Winning the Week: How To Plan A Successful Week, Every Week

Table of Contents


In today’s fast-paced world, it’s easy to get lost in the daily grind. But what if we shift our focus from winning each day to winning the week? This blog post explores the benefits of a weekly approach to productivity and how it can transform your work and personal life.

The Power of a Weekly Approach: More Paths to Victory

Why It Works: A weekly approach offers a broader perspective, allowing you to see more opportunities for success. It’s like playing chess; you have to think several moves ahead.

How to Implement: Instead of setting daily goals, set weekly objectives that align with your long-term vision. This approach provides flexibility, allowing you to adjust your strategies as the week progresses.

Synchronizing Your Productivity: The Cohesive Whole

Why It Works: Viewing your week as a cohesive unit encourages you to synchronize different tasks and projects, making your productivity more efficient.

How to Implement: Use tools like a weekly planner or project management software to visualize how different tasks fit together. This will help you allocate time and resources more effectively.

Leveraging Parkinson’s Law: Time Management Mastery

Why It Works: Parkinson’s Law states that “work expands so as to fill the time available for its completion.” A weekly approach helps you set realistic timeframes, preventing tasks from dragging on unnecessarily.

How to Implement: Set specific deadlines for your weekly tasks. Use timers and reminders to keep yourself accountable.

The Generous Lens: A Broader View of Productivity

Why It Works: Zooming out to a weekly view allows you to evaluate your productivity more generously, reducing daily stress and anxiety.

How to Implement: At the end of each week, take time to review your accomplishments. Celebrate the wins and learn from the setbacks.

The Feedback Loop: Continuous Improvement

Why It Works: A weekly approach provides a robust framework for feedback. It helps you focus on what’s truly important and keeps you aligned with Parkinson’s Law.

How to Implement: Reflect on questions like, “What would perfect execution have looked like?” and “What worked well that I should continue doing?” Use these insights to improve your future performance.

The Changing Landscape: Adapting to Modern Challenges

Over the years, the dynamics of work and personal life have shifted, with both parents working and technology blurring the lines between work and home. A weekly approach to productivity is flexible enough to adapt to these changes.

The Five Elements of Successful Weekly Planning

  1. Review and Reflect: Take 5 minutes at the end of each week to identify lessons learned. Use this feedback to make incremental improvements.
  2. Clarity on Priorities: Identify your “leverage priority” for the week—the task that will make all other tasks easier or unnecessary.
  3. Inventory Your Time: Acknowledge that time is a limited resource. Plan your week accordingly.
  4. Ruthless Triage: Evaluate all demands on your time and prioritize them based on their alignment with your weekly goals.
  5. Match Supply and Demand: Ensure that your time allocation matches the demands of your tasks, allowing for a balanced and productive week

Level Up Your Productivity: How to Gamify Your Day

Do you find yourself struggling to stay focused and complete tasks? You’re not alone. The good news is that you can gamify your day to make it more engaging and productive. Here’s how:

The Points System: Your Daily Scoreboard

Assign point values to your daily tasks. The more challenging or crucial the task, the higher the points. Keep a tally throughout the day to measure your productivity. Aim to beat your high score each day!

Unlock Levels: Your Productivity Milestones

Start your day at Level 1 and ascend by completing tasks. Each level can have its own set of rewards, like a 5-minute break or a favorite snack. The higher the level, the better the rewards.

Daily Challenges: Your Mini Boss Fights

Set up daily or weekly challenges that act like mini boss fights. Completing these challenges could earn you special rewards or bonuses, making your day more exciting.

Earn Badges: Your Productivity Achievements

Create a set of badges that you can earn for achieving specific milestones. For example, earn an “Early Riser” badge for starting your work before 8 a.m. or a “Task Slayer” badge for clearing your to-do list.

The Leaderboard: A Friendly Competition

If you’re up for some friendly competition, set up a leaderboard among friends or family. It adds a competitive edge and can be a great motivator.

Time Trials: Beat the Clock

Use a timer to track how long it takes to complete tasks. Challenge yourself to beat your previous times, turning each task into a race against the clock.

Embark on Quests: Your To-Do List Adventure

Transform your to-do list into a series of quests. Each quest can have smaller tasks or “missions” that you need to complete to move on to the next adventure.

Power-Ups: Your Productivity Boosters

Earn power-ups by completing tasks or challenges. Use these power-ups for short breaks, snacks, or even a quick walk to recharge your energy.

Social Sharing: Celebrate Your Wins

Share your daily achievements on social media or within a productivity app that allows for social interaction. It adds a layer of accountability and gives you a chance to celebrate your wins.

The Reward Shop: Treat Yourself

Set up a shop where you can redeem the points or badges you’ve earned for real-world rewards. Whether it’s a special meal, a new book, or some quality leisure time, make sure to treat yourself.

Create Your Storyline: The Narrative of Your Day

To add an extra layer of engagement, create a storyline that evolves as you complete tasks. It could be as simple as saving a fictional kingdom from peril or as elaborate as a journey through a productivity galaxy.

Gamify – Conclusion

“Gamify Your Day” is a concept that involves turning your daily tasks and activities into a game-like experience to boost motivation, productivity, and enjoyment.

In conclusion, gamify your day can be highly effective in enhancing your routine by adding an element of fun and challenge to even the most mundane tasks. By setting goals, creating rewards, and tracking progress, you can turn your day into an engaging adventure.

Remember that the key to successful gamification of your day is to strike a balance between achieving your objectives and enjoying the process. So, whether you’re tackling work-related tasks, fitness goals, or personal projects, consider gamifying your day to make it more engaging and ultimately more rewarding.

The Importance of Smiling: A Simple Gesture with Profound Impact

Table of Contents


In a world where stress and anxiety often dominate the narrative, a simple smile can go a long way. It’s not just a sign of happiness; it’s a powerful tool that can transform your day and even your life. In this blog post, we’ll delve into the science behind smiling and explore how this simple gesture can have a profound impact on your daily life.

The Science of Smiling

Smiling is more than just a facial expression; it’s a complex interaction between various muscles and our brain. When we smile, our brain releases endorphins, which are natural mood lifters. They also act as natural painkillers and can reduce stress by lowering the levels of the stress hormone cortisol.

The Domino Effect

Smiling has a domino effect. When you smile, people around you are more likely to smile back. This creates a positive feedback loop, as their smile triggers the same endorphin release in their brain, making them feel happier and more relaxed.

Examples of How Smiling Can Help in Daily Life

At Work

  1. Building Rapport: A smile can help break the ice and make you more approachable, which is particularly useful in a professional setting. It can help you build rapport with colleagues and clients, making collaborations more effective.
  2. Stress Management: During stressful situations, taking a moment to smile can help lower your stress levels, allowing you to approach problems with a clearer mind.

In Relationships

  1. Conflict Resolution: A genuine smile can defuse tension and make it easier to resolve conflicts. It shows that you are open to finding a solution and are not confrontational.
  2. Strengthening Bonds: Sharing a smile with your loved ones can strengthen emotional bonds. It creates a sense of trust and understanding that words often can’t convey.

Personal Well-being

  1. Boosting Self-esteem: Smiling can make you feel better about yourself and boost your self-esteem. When you smile, you naturally feel more confident, which can be empowering.
  2. Health Benefits: Studies have shown that smiling regularly can lower your heart rate and reduce blood pressure, contributing to a healthier life.


Smiling is a simple yet powerful tool that can bring about numerous benefits in your daily life. From reducing stress to building stronger relationships, the impact of a smile should never be underestimated. So the next time you find yourself in a challenging situation, remember to smile. It might just be the solution you’re looking for.

How to Master the Art of Consistency – Leadership Lessons

The Topic was taken from


Consistency is often the underdog of leadership qualities. While traits like vision and charisma get the spotlight, consistency is quietly working in the background, making everything possible. In leadership, consistency isn’t just a virtue but a necessity. This blog post aims to explore the importance of consistency in leadership and provide actionable steps to master it.

Table of Contents

  1. Why Consistency Matters in Leadership
  2. The Pillars of Consistency
  3. How to Build Consistency
  4. Challenges in Maintaining Consistency
  5. Case Studies: Leaders Who Excelled Through Consistency
  6. Conclusion

Why Consistency Matters in Leadership

Builds Trust

Consistency is the cornerstone of trust. Team members are more likely to trust a leader who is predictable and reliable.

Enhances Credibility

A consistent leader gains credibility, not just among team members but also stakeholders and clients.

Fosters Accountability

When a leader is consistent in their actions and expectations, it sets a standard that encourages everyone else to be accountable for their roles.

The Pillars of Consistency


Consistency starts with being true to your word. If you promise something, make sure to deliver.


Discipline is the fuel that keeps the engine of consistency running.


While it may seem counterintuitive, being adaptable is crucial for consistency. Conditions change, and a consistent leader knows how to adapt without compromising their core principles.

How to Build Consistency

Set Clear Expectations

Clearly outline what you expect from your team and what they can expect from you.

Develop Routine

A well-thought-out routine can be a powerful tool for maintaining consistency.

Measure and Monitor

Regularly check your performance metrics to ensure you are staying on the path of consistency.

Challenges in Maintaining Consistency


The biggest enemy of consistency is complacency. Never let success make you lax in your commitment to consistency.

External Pressures

Sometimes external circumstances can make it challenging to maintain consistency. The key is to remain steadfast.

Case Studies: Leaders Who Excelled Through Consistency

  1. Steve Jobs: His consistent focus on innovation led Apple to new heights.
  2. Warren Buffet: Known for his consistent investment strategies, which have paid off in the long run.


Mastering the art of consistency is not an overnight task. It requires dedication, discipline, and a commitment to continuous improvement. However, the rewards are well worth the effort, as consistency is the key to becoming a leader who not only inspires but also delivers.

When Life Gets Hard: 12 Stoic Lessons To Change Your Life Before 2024

The topic was taken from

Table of Contents


Life is a rollercoaster of ups and downs, and sometimes it can feel overwhelmingly difficult. During such times, the ancient philosophy of Stoicism can offer invaluable lessons to help us navigate life’s challenges. As we approach 2024, here are 12 Stoic lessons that can change your life for the better.

1. Accept What You Cannot Control


The Stoics teach us to focus only on what we can control—our actions and reactions—and to accept what we cannot control.


When faced with adversity, remind yourself that worrying about uncontrollable factors is futile. Focus on your response instead.

2. Live According to Nature


Stoicism advises us to live in harmony with nature, which includes understanding our own nature as rational beings.


Make decisions that align with your true self and the world around you. Don’t fight against the natural order of things.

3. The Obstacle is The Way


Challenges are not hindrances; they are opportunities for growth.


When faced with an obstacle, don’t shy away. Tackle it head-on as an opportunity to learn and grow.

4. Practice Negative Visualization


Imagine the worst-case scenarios to appreciate what you have and prepare for challenges.


Regularly take a few moments to consider the worst that could happen and how you would cope. This prepares you mentally for any outcome.

5. Virtue is The Highest Good


According to Stoicism, virtue is the only true good and vice the only true evil.


Prioritize ethical actions and moral integrity above all else.

6. Be Present


The present moment is all we truly have.


Practice mindfulness to focus on the here and now, rather than dwelling on the past or worrying about the future.

7. Don’t Be a Slave to Your Desires


Freedom comes from mastering your desires, not fulfilling them.


Practice self-control and don’t let short-term desires derail your long-term goals.

8. Take Responsibility


You are the author of your own life.


Own your actions and their consequences, good or bad.

9. Practice Gratitude


Being thankful for what you have brings contentment.


Regularly list things you are grateful for to shift your focus from what you lack to what you have.

10. Avoid The Opinion of The Crowd


Public opinion is fickle and not a reliable measure of worth.


Value your own judgment over popular opinion.

11. Death is Not to Be Feared


Death is a natural part of life.


Live each day as if it could be your last, focusing on meaningful activities.

12. Memento Mori


Remember that you will die.


This Stoic practice serves as a reminder to live a virtuous life.


As we look forward to 2024, these Stoic lessons can serve as a guide to living a more fulfilling and resilient life. When life gets hard, remember these teachings and apply them to your daily life. Your future self will thank you.

You Don’t Actually Know What Your Future Self Wants

Table of Contents


We often make plans, set goals, and envision a future that we think will bring us happiness and fulfillment. We invest in retirement funds, choose career paths, and even select life partners based on what we think our future selves will want. But the truth is, you don’t actually know what your future self wants. This isn’t a pessimistic view; it’s a liberating one. Understanding this can free you from the shackles of over-planning and open you up to a life of spontaneity, adaptability, and true happiness.

The Illusion of Predictability

Why We Think We Know

Human beings are wired to seek predictability. It’s a survival mechanism that has been ingrained in us through evolution. We like to think that if we can predict what will happen, we can control it. This leads us to make decisions based on assumptions about what our future selves will want or need.

The Reality

The reality is that life is inherently unpredictable. Circumstances change, people come and go, and most importantly, you change. The person you are today is not the same person you were five years ago, and you won’t be the same person five years from now.

The Trap of Over-Planning

The Fear of Missing Out

In our quest for predictability, we often fall into the trap of over-planning. We’re afraid that if we don’t plan for every contingency, we’ll miss out on opportunities or end up in undesirable situations.

The Cost

Over-planning can lead to stress, anxiety, and ultimately, disappointment. When things don’t go as planned, we feel like we’ve failed, even when the new outcome might be equally good or even better than what we had originally envisioned.

Embracing Uncertainty

The Power of Now

Instead of obsessing over what your future self might want, focus on what you want now. This doesn’t mean you should be reckless or ignore the future entirely. It means you should be present and make decisions based on your current state of mind and circumstances.

Adaptability is Key

Being adaptable allows you to navigate through life’s unpredictabilities. When you’re flexible in your plans and open to new experiences, you’re more likely to find happiness and fulfilment, regardless of what the future holds.


You don’t actually know what your future self wants, and that’s okay. Embrace the uncertainty and focus on the present. Be adaptable, be open, and most importantly, be yourself. Your future self will thank you.

5 Fundamentals of Leadership – Leadership Development

5 Fundamentals of Leadership Largely taken from

Simon Sinek delves into the contrasting philosophies of finite and infinite games in the realm of leadership. He argues that to excel in the infinite game of leadership, one must concentrate on five core principles:

  1. A Just Cause: A compelling purpose that motivates individuals to willingly make sacrifices.
  2. Trusting Teams: Cultivating a culture where team members feel secure and empowered, thereby encouraging innovation and teamwork.
  3. A Worthy Rival: Having a competitor that helps you identify your shortcomings and pushes you to improve.
  4. Existential Flexibility: The ability to make significant changes in strategy to further a cause, even if it disrupts current success.
  5. Courage to Lead: The bravery to challenge traditional leadership norms, focusing on long-term gains and the well-being of others.

By adopting an infinite mindset, leaders can create a lasting, positive impact that goes beyond their own lifetime.

Change your future

5 Transformative Lessons from Simon Sinek to Change Your Future

Here are five lessons that stand out:

Lesson One: Forge Your Own Path, But Let Others Do the Same

The Road Less Travelled

Sinek emphasizes that you are free to chase your dreams and ambitions, but this freedom should extend to everyone else. In a world that often follows the beaten path, daring to take the road less travelled can be liberating.

The Balance of Individualism and Community

While it’s essential to focus on your goals, it’s equally crucial to respect others’ journeys. This balance creates a harmonious community where everyone can thrive.

Lesson Two: Own Your Actions, Both Good and Bad

The Double-Edged Sword of Responsibility

Taking credit for your achievements is easy; owning up to your mistakes is the real challenge. Sinek advises that true leadership involves taking responsibility for both.

The Growth in Accountability

When you hold yourself accountable, you not only earn the respect of those around you but also pave the way for personal growth and improvement.

Lesson Three: Be a “Lead Worrier” by Supporting Those Around You

The Essence of Leadership

According to Sinek, a true leader worries about their team. Leadership is not about being in charge but about taking care of those in your charge.

The Power of Collective Success

When you focus on helping the person to your left and the person to your right, you create a supportive environment that fosters collective success.

Lesson Four: Listen Before You Act

The Value of Being Heard

Sinek points out that allowing others to speak before you do gives them a sense of being heard, which is empowering and fosters a collaborative spirit.

The Wisdom in Listening

By being the last to speak, you also benefit from hearing multiple perspectives, which can lead to better decision-making.

Lesson Five: Position vs. Person

The Illusion of Importance

As you climb the ladder of success, people will treat you differently. Sinek cautions that this newfound respect is for your position, not for you as a person.

The Humility in Leadership

Being grateful for the accolades and respect that come your way is important, but remembering that these are not a reflection of your worth as a person is crucial for grounded leadership.

5 Ways of Well-Being

From https://www.linkedin.com/posts/davidmcleanatgetkeepgrow_learningagility-leadership-resiliency-activity-6889014561186361345-QN31/?trk=public_profile_like_view

Table of Contents


In today’s fast-paced world, it’s easy to lose sight of what truly matters: our well-being. While we often associate well-being with physical health, it encompasses much more, including our mental, emotional, and even social health. This blog post aims to explore the 5 ways of well-being: Connect, Be Active, Take Notice, Keep Learning, and Give.


The Importance of Social Bonds

Human beings are social creatures. Our connections with others form the bedrock of our well-being. Whether it’s family, friends, or even pets, these relationships offer emotional support, enrich our lives, and even improve our physical health.

Technology as a Facilitator

In the age of the internet, connecting with people has never been easier. Social media platforms, video calls, and even online gaming have become avenues for social interaction. These technologies have been particularly crucial during times of social distancing, where they offer the closest alternative to physical interaction.

The Flip Side

However, it’s essential to remember that online connections should not entirely replace face-to-face interactions. Over-reliance on digital platforms can lead to feelings of isolation and other mental health issues.

Be Active

Physical Health Equals Mental Health

Regular physical activity is a cornerstone of well-being. It not only keeps you fit but also releases endorphins, which are natural mood lifters.

The Role of Technology

Fitness trackers and smartwatches can monitor your physical activity, provide insights into your health, and even remind you to move. Virtual reality games can make exercise fun, and online platforms offer various workouts that you can do from the comfort of your home.

A Word of Caution

While technology offers many conveniences, it also promotes a sedentary lifestyle. Make it a point to balance screen time with physical activity.

Take Notice

The Art of Mindfulness

Taking notice is all about being present. It’s about paying attention to our thoughts, feelings, and the world around us. This mindfulness can significantly reduce stress and improve mental well-being.

Digital Aids

Apps like Headspace offer guided meditation sessions that help you practice mindfulness. Environmental sensors can help you create a living space that positively impacts your well-being.

The Need for Digital Detox

While technology can aid mindfulness, it can also be a significant distraction. Designate tech-free times to practice mindfulness without interruptions.

Keep Learning

Lifelong Learning

The process of learning doesn’t stop when we leave school or university; it’s a lifelong journey. Continuous learning challenges our brain, keeps us engaged, and improves our self-esteem.

E-Learning Platforms

Online courses, webinars, and educational apps make learning more accessible than ever. Whether you want to pick up a new hobby, learn a new language, or even pursue a new career, the resources are at your fingertips.

The Balance

While it’s easy to get lost in the sea of information, remember to balance learning with other aspects of well-being.


The Joy of Giving

Giving doesn’t necessarily mean material gifts. Time, attention, and emotional support are just as valuable. Acts of kindness not only benefit the receiver but also improve the well-being of the giver.

Technology for Good

Crowdfunding platforms and social media campaigns can amplify acts of giving. Virtual volunteering opportunities also allow you to give back to the community from your home.

The Takeaway

While giving is beneficial, it should not come at the expense of your well-being. It’s essential to know your limits.