Hey Friend, 

I hear the same few questions over and over again, and and people don’t even realize how terrible they are:

• “Should I buy this stock?”

• "What's the best investment?"

• “How do I make more money?"

• "How do I retire early?"

Vague questions = vague answers.

If you want better results in life, it starts with asking better questions. 

So in today’s newsletter I’m going to give you the #1 question for learning from 2025 and winning big in 2026.

MAIN FEATURE

The Question That Changes Everything

Here's the question:

"If I kept reliving the last 3 years over and over again, what would my life look like at 80?"

Sit with that for a second.

Not "What do I WANT my life to look like?" Not "What's my dream scenario?"

What does it ACTUALLY look like based on how you've been living?

If your habits don't change. If your priorities don't shift. If your systems stay the same.

What's the trajectory?

Why This Question Works

Most people lie to themselves.

They say: "Yeah, I'm going to start working out next month." "I'll learn that skill eventually." "I'll get serious about my finances soon."

But "eventually" never comes.

This question forces you to confront the truth: Your current path IS your future.

If you don't like where it's headed, you need to change direction NOW. Not next quarter. Not next year. Now.

The Gratitude + Discontent Formula

Most people think you're either:

• Grateful (and therefore complacent), OR

• Discontented (and therefore miserable)

Wrong.

The wealthy live in BOTH states simultaneously.

They're grateful for where they are. AND they're discontented with staying there.

That tension (that creative friction) is what drives growth.

If you're only grateful, you stagnate.

If you're only discontented, you burn out.

But if you hold BOTH? You grow.

How to Use This Question

Step 1: Answer honestly.

If your last 3 years repeat for the next 50, what happens?

• Health: Are you getting stronger or weaker?

• Wealth: Are you compounding or treading water?

• Relationships: Are you deepening connections or drifting apart?

• Time: Are you reclaiming it or losing it?

Step 2: Identify what needs to change.

What's ONE thing you need to engineer differently in 2026?

• A system that's draining time?

• A habit that's killing energy?

• A financial structure that's leaving money on the table?

• A relationship that's one-sided?

Step 3: Reverse-engineer the path.

If you want a DIFFERENT outcome at 80, what has to change THIS WEEK?

Not "someday." This week.

If you want help figuring out exact action steps, that’s exactly what we’re going to be talking about in my upcoming Wealth OS live event. It’s all about accelerating your wealth creation in 2026. You can learn about it here.

Wealth Is Not Earned… It's Engineered.

Wealth isn’t measured by income. It’s measured by what you build with it. January 7–9, 2026, I’m hosting a live 3-day virtual workshop where you’ll build your complete Wealth Operating System from the ground up. Hands-on tools. Custom worksheets. Real-time coaching.

Start 2026 with a plan that actually makes you wealthier.

TODAY'S GRAPHIC

How Many MOMENTS Do You Have Left?

If you have a spouse/kids, study this graphic...

This Christmas I had one recurring thought…

I only have a couple Christmases left with my daughter at home. 

So often we think about years. But we don’t think about how many actual moments we have in those years. 

Only a handful of holidays. Only a dwindling number of weekends. 

I’m determined to squeeze every last drop out of the moments I have with my wife and kids. And I encourage you to do the same.

THOUGHT OF THE DAY

My 2025 Productivity Epiphany 

I used to think I was bad at staying organized.

I'd build a system, stick to it for a few weeks, then fall back into chaos. And I'd beat myself up about it.

But here's what I realized this year: disorder is not the mistake. It's the default.

The universe trends toward entropy. Your business trends toward disorder. Your calendar trends toward chaos.

It's not a character flaw. It's physics.

Here's the question I've been asking myself lately: instead of "Why can't I stay organized?" I ask: "What system can I build that requires the least maintenance to keep running?"

That's the shift for 2026.

This Week's Challenge: Stop treating disorder as failure. Build a system that expects entropy and compensates for it.

TODAY'S LIST

3 Questions to Ask Yourself This Week

I gave you my #1 question above. Here are three more to change the trajectory of your year…

1. What am I tolerating that I shouldn't?

Think: bad relationships, inefficient systems, time leaks, tax inefficiencies.

If you wouldn't START it today, why are you CONTINUING it?

2. What would I do if I had 10 more hours per week?

Most people say: "I don't have time."

Wrong. You have 168 hours. You're just spending them poorly.

If you reclaimed 10 hours, what would you BUILD with them?

3. What's ONE skill I could master in 2026 that compounds for 20 years?

Examples: Tax optimization. Negotiation. Velocity banking. Systems thinking.

Pick ONE. Go deep. Master it by December 31.

In 20 years, that ONE skill will be worth millions.

Closing Thought

Before you close this email, do this:

Grab a piece of paper. Write down the question: "If I kept reliving the last 3 years, what does my life look like at 80?"

Answer it honestly.

Then write down ONE thing that needs to change in 2026.

That's your starting line.

To your wealth,

P.S. This is a new style of email. I’d love it if you hit reply and tell me what you liked, what you didn’t, and what you want to see more of.