Good news: you're not born with it.

Running taught me valuable lessons. In cross-country competition, training counted more than intrinsic ability, and I could compensate for a lack of natural aptitude with diligence and discipline. I applied this in everything I did.

-Nelson Mandela 

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Many of us envy those who seem naturally brilliant or beautiful or inherited tons of money. We think that, if only we were more like them, we too would be living an amazing life. While it’s true that our inherited genes and how we are raised affect our being in some ways, the harsh yet empowering reality is that most of our success and happiness is our responsibility. 


Tom Brady is a well-known testament to the power of hard work and discipline over “natural talent.” He did not play as a freshman in high school, and it took him years to earn the starting spot in college. He was drafted in the sixth round of the NFL draft and again had to work his way up - this time up from fourth-string quarterback. He didn’t have the most physical talent, but he did have incredible discipline and persistence. Even down to his stict anti-inflammatory diet, he worked hard to achieve unprecedented career longevity and success. 


We cannot control our inherited genes, but we can control our mindset and habits. The greatest humans are not natural-born athletes, leaders or entrepreneurs. Instead, they wake up every day and choose to be great. They don’t lay in bed all day or act like a jerk because they didn’t sleep well. They don’t drink alcohol or smoke weed everyday when they know they could be spending that time and money on bettering themselves and helping others. They don’t let other people tell them they aren’t good enough because they have an intrinsic sense of worth. 

How to cultivate discipline & hard work to set you up for success: 


Set goals and stick to them.

Every time you set a goal and follow through with it, you reinforce success. Every time you set a goal and give up, you reinforce failure. So set attainable goals and commit to reasonable habits, then stick to them. 

Remember: it’s never too late to learn something new. In fact, lifelong learning enhances our self-confidence and the way we perceive the world around us. It keeps you young by improving brain health and evoking curiosity. So, whether you are 20 or 80, do not underestimate the value of learning something new or challenging your current paradigms. 

  • Example 1 (new habit/routine): If you want to start meditating daily, start with three minutes every morning. If you start with 20 minutes and stop one week later when you have a busy morning, you will increase the likelihood for future failure when setting new habits. Once you stick to your three-minute meditation for a month, you will feel momentum to make other positive changes and can then decide to increase the time or add an evening session. 

  • Example 2 (long-term goal): You want to learn Spanish...great! Instead of simply diving into online learning materials, write out a plan. Ask other people who have self-taught a foreign language how long it took them to do so - then add two months. Aim to practice a certain number of hours each week (rather than each day), since life will inevitably get in the way. Announce your plan to your friend group or on social media so that you have some accountability. To really raise the stakes, you can plan a trip at the end of your estimated learning time so you have a tangible reason to stick to the timeline. If you have no fluency by the time the trip comes around, you have to cancel it. 

  • Example 3 (quitting something): You want to stop smoking cigarettes. Do not decide one night and then go cold turkey the next. Give yourself a month to quit from the day you decide to do so because, if you fail the first time, you are much more likely to fail on your second and third tries and potentially be a smoker for life. If you make a “tapering” schedule over the next month and cut back slowly (i.e. first to one a day, then to one every other day, the weekends only, then none), you are setting yourself up for success. 

Do every task with integrity. 

If you are constantly complaining about your day job, waiting for the day you finally launch your own business or land that gig as a NatGeo photographer, you are setting yourself up for a lifetime of disappointment. Successful people do every task with presence and integrity. This includes menial tasks like washing the dishes or sending an email. Are you messy? Are you present? How you do anything is how you do everything. So take pride in your work and chores, even if you want them to look differently someday. 


Do not make excuses. 

Excuses are for complacent people who will stay stuck in patterns for a lifetime and die without accomplishing their dreams. If purpose and accomplish are not important to you, there’s nothing wrong with that; in fact, it might result in more stability and “normalcy.” But, for those of us who crave meaning and progress, we need to stop making excuses - because it will set us up for a life in which we always feel stuck. 

You think your lack of money or health or success is your parents’ fault? Not true. Some of the most successful people of all time came from traumatic childhoods. I used to blame my “sensitive stomach” on the fact that my mother was unable to deliver me vaginally or breast feed me. That kept me stuck in a victim mindset where I resented her for no fair reason. I had to own the reality that my diet and lifestyle was a huge contributor to my gut issues. Once I took action to resolve these gut issues, I felt empowered to make other positive changes in my life.


It’s not your parents’ or your boss’s fault that you are broke or sick or depressed. With emerging research on epigenetics, we now know that lifestyle is much greater determinant than inherited genes on gene expression. In fact, only an estimated 25 percent of the variation in human lifespan is determined by genetics. That means you have control over your health and likelihood of disease. 

This is great news and translates to control over your overall success and happiness as well! Just because your parents were not athletic or creative or adventurous, that doesn’t have to mean the same for you. If you decide you want to be smarter, healthier or wealthier, it’s absolutely possible with (1) belief in yourself and (2) commitment. You can’t have one without the other because, like every great athlete or creative knows, visualization and affirmations are only a complement to hard work. You must stay focused and disciplined to achieve your dreams. However, if these dreams are truly important to you, it probably won’t feel like much of a sacrifice. When living an authentic and purposeful life, you will attract others doing the same. Best of all, you will be able to love these people on a whole new level because you will have already established your own values and sense of worth.



What to do during a stock market crash

Disclaimer: I am not a financial adviser and this does not constitute as financial advice.

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Eerily reminiscent to the real COVID-19 pandemic which contributed to the stock market crash, Warren Buffett described fear and greed as super-contagions diseases that infect investors.

"The timing of these epidemics will be unpredictable," said Buffett. "And the market aberrations produced by them will be equally unpredictable, both as to duration and degree. Therefore, we never try to anticipate the arrival or departure of either disease. Our goal is more modest: We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful."

Most of my money is invested in stocks and has been for over ten years. During the crash, I watched my portfolio drop by tens of thousands of dollars. Meanwhile, my whole life was in transition logistically and emotionally. I am grieving a six-year relationship and all of the love, routines, and physical security that came along with that. Shortly after, the coronavirus pandemic induced widespread societal fear. I had already been vagabounding for a month and, when I was finally settling into a new place in Austin, my roommate got very sick. With no firm diagnosis, she and I both decided I should get out of the house. So, I am once again sleeping on a different bed every few nights, working full-time remotely from all sorts of places. I simply could not handle keeping up with the fear-inducing news and crashing market amid it all.

So, I stopped watching the news and the market today. I committed to a six-month market and news hiatus and gave my brokerage account login and password to my mom so she could keep an eye on it for me. This hiatus includes setting boundaries with people stuck in a perpetual fear mindest. 

Then, I took a deep breath and thought of the positives. One, we should expect stock market crashes: they are simply a part of investing. Personally, I believe only in long-term stock market investing (unless you are a psychic, in which case you probably have better things to do anyway). Over time, the stock market has always gone up. If it crashed completely, we have much bigger problems than our own personal retirement age. 

Overall, I still definitely have net gains in the stock market. (It’s hard to say how much since I’ve moved my money around some, but I’ve focused on passive investing since age 15, and the overall market has gone up pretty steadily since then.) The crash came after investing about 15% of my savings in real estate property, which offers some diversification. Also, because interest rates are now so low, I feel that buying my own house within the next year is much more likely. Finally, because of dividend reinvestments and my company 401k, I will be getting cheap stocks throughout this economic slump. 

Most importantly, losing some money now has ZERO impact on my quality of life today. So, if I let it affect my mood or how I interact with others, it’s irrational and even selfish. 

A week from now, I will have no idea if the market is up or down. I already have very little awareness as to the current state of the coronavirus pandemic. I truly don’t care if you call me naive or selfish or whatever. Me staying aware of these things was not helping anyone else and was only causing me to suffer. It was also causing those around me to suffer because then I am stuck in my head, stuck in fear - rather than being present with them. 

Want to help during this time when the world feels heavy? Turn off the news, and go learn a new skill or volunteer. If you’re concerned about leaving the home, there are ways to volunteer online

I am grateful that spring is coming this week, which will bring a fresh start emotionally as well as globally. It’s time to shed the fear that this pandemic has caused and, instead, use this time to realize what’s really important.


WHAT TO DO DURING A STOCK MARKET CRASH: 

Do not sell stocks or constantly check status of market. This is especially true if you are under the age of 30 and will not need your investments for over ten years. Now is not the time to sell (see above). Stay the course, stay calm, and get back to work or play. The market is an investment tool, so don’t let it own you by checking it daily. If you are too stressed during recessions, consider changing up your investment strategy AFTER it has rebounded. Look into bonds, dollar-cost averaging, and diversification. Personally, I will not check the market for at least nine months. My mom will check my potfolio periodically during my market hiatus and make minor trades or adjustments if needed (this could also be a trusted partner or personal assistant - someone who has your best interests in mind and knows what they are doing). I have given her permission to do so without consulting or informing me. What the market does from here is completely out of my control, so there’s no sense in me losing precious time or sleep worrying about it. Because most of my stocks are invested in IRAs, I won’t be taking it out for another 30 years anyway. 


Focus on saving cash. Experts recommend having three to six month in living expenses in cash at all times. If you don’t have this, now is a great time to start saving. Personally, I am focusing on saving extra cash so I can potentially purchase a house within the next year while interest rates are low.


Remember what’s truly important. I am very privileged in that I don’t have to worry about where my next meal is coming from and, in all likelihood, never will. If you’re reading this, the same is probably true for you. During times like these, it’s very egotistical for me to waste energy worrying when there are people who are truly struggling. So, I am focusing on being present with those I love and helping others when I can. I have my health, my family, and a bright future ahead. Everyone is affected by this current pandemic in some way. Some people are sick and even dying from this new disease; small business owners are closing shop; and hard-working grandparents are pushing back their retirement date. Stop feeling sorry for yourself.


This advice is coming from a 28-year-old single woman who has invested from a very young age. I have seen my money grow a lot but have also already been through downturns (though this is certainly the most severe I’ve seen). While my experience is most relevant to those under 30 who don’t have a family to support, I still encourage you to consider points above no matter your situation. I spent time with my parents and aunt over the weekend - all of which are retired and have most of their money invested in the stock market. They were not worried about their personal financial wellbeing but rather societal health. We stayed positive. We hugged, cooked, laughed, cried, and danced. We did not fearfully liquidate our stocks. Instead, we focused our time on loving each other. 


We will get through this. Stay the course.