💥 How to Become Rich

The Truth of Wealth (It's Not What You Think)

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And thank you for joining 99,000 members reading our newsletter which is dedicated to helping you get smarter with money!

📬 In today’s issue, you’ll learn the truth about wealth. We’ll discuss:

PART I:
1. The Science of Wealth
2. The Path to True Wealth
3. Building Wealth
4. Overcoming the Challenges
5. Long-Term Benefits
6. Frameworks for Your Wealth Journey
7. Beginning The Journey
8. Final Thoughts

PART II:
9. Important Points to Remember
10. Actionable Advice
11. Commonly Asked Questions

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My friend Rich finally bought the luxury watch he'd aways wanted. It cost more than his first car. That same week, he visited his dad in the hospital, expecting him to admire the watch.

His father, fighting cancer, looked at it and said weakly, "Nice." Then he pointed to his plastic hospital clock and added, "You know what I'd give for that watch of yours? Nothing. But I'd trade everything I own for more time."

Three weeks later, his dad passed away.

At the funeral, Rich realized something important: his expensive watch hadn't added a single second with his father. In fact, the overtime he worked to afford it had stolen precious hours they could have shared.

This is the trap of material wealth. We work longer hours to buy things we don't need, to impress people we don't care about, while missing moments with those we love that we can never get back.

Studies show that once your basic needs are met, more money brings surprisingly little extra happiness. Yet we keep chasing it, thinking the next purchase will be the one that finally makes us feel complete.

When you think about being rich, what comes to mind? A mansion with an ocean view? A garage full of sports cars? Private jets and fancy watches?

Most people think wealth means having expensive things. But that's actually backward. True wealth has little to do with what you own and everything to do with how you live.

Warren Buffett, worth over $100 billion, still lives in the same modest house he bought in 1958 for $31,500. When asked why he hasn't moved to a mansion, he said simply: "How would I be happier? I'm already happy. Would a bigger house make me twice as happy? No."

Science backs him up.

An 80-year Harvard study found that good relationships—not money, fame, or endless work—keep us happier, healthier, and help us live longer. Yet most of us keep chasing the wrong things.

🤔How much is “enough” for you?

1. The Science of Wealth

Researchers studying "Blue Zones"—places where people routinely live past 100 in good health—found something surprising. In regions like Okinawa, Japan; Sardinia, Italy; and Ikaria, Greece, people live long, happy lives not because of material wealth but because of strong social connections and purpose.

These communities have modest incomes but rich social lives. In Okinawa, they practice "moai"—lifelong circles of friends who support each other through life's challenges.

When researchers interviewed centenarians about their secrets to long life, almost none mentioned money or possessions. Instead, they talked about daily walks with friends, family meals, and community celebrations.

Science tells us that what makes us truly happy is:

1. Strong relationships with family and friends

2. Good health that lets us enjoy each day

3. Time freedom to do what matters most

4. Meaning and purpose that makes life feel worthwhile

Notice that fancy cars and big houses aren't on the list? That's because they don't actually make us happier in any lasting way.

2. The Path to True Wealth

Simple living isn't about going backward—it's a giant leap forward. When you simplify your life, you clear away the clutter—both physical and mental—and make room for what truly matters.

Think of simplicity as addition by subtraction. By removing what doesn't add value, you create space for authentic joy.

Here's what you gain with a simpler lifestyle:

• Less stress: Fewer possessions and commitments mean a calmer mind

• More time: When you're not busy chasing and maintaining stuff, you have hours to spend with loved ones

• Better health: Simple living often means better eating habits, more exercise, and less stress

• Financial freedom: Spending less on unnecessary items frees up money for experiences and security

• Greater self-awareness: With fewer distractions, you have time to think, reflect, and grow

A friend of mine recently downsized from a 3,000-square-foot house to a small apartment last year. At first, he worried he'd feel deprived. Instead, he told me, "I feel like I've been let out of prison. No more weekends spent on house maintenance. No more rooms full of stuff I never use. I have more money, more time, and I sleep better at night."

Simple living isn't about sacrifice—it's about gaining what matters most.

3. Building Wealth

Ready to create your own wealth of experiences? Here's a simple roadmap to help you start today:

Step 1: Define What True Wealth Means to You

Before you can build real wealth, you need to know what it means to you personally.

Ask yourself: When do I feel richest in life? Is it during a quiet morning? While hiking with friends? Playing with your kids or grandkids?

Make a list of moments when you feel truly wealthy—not in money, but in life satisfaction. These become your wealth targets.

Step 2: Declutter Your Life

Real wealth starts with removing what doesn't matter to make room for what does.

Start with physical clutter. Choose one small area—a drawer, a shelf, a corner of a room. Keep only items that add real value to your life. Donate or sell the rest.

Next, tackle time clutter. Look at your weekly schedule. Which activities drain your energy without adding joy or meaning? Can you eliminate some of them? Even cutting one unnecessary commitment can free up hours for what truly matters.

Step 3: Invest in Relationships, Not Things

Strong connections with others are the foundation of true wealth.

Plan regular family dinners where everyone sits together without phones or TV. Use this time to share stories and connect with each other.

Reach out to old friends you've lost touch with. A simple text saying, "I was thinking about you today" can restart meaningful connections.

Join a community group based on shared interests. Whether it's a book club, hiking group, or volunteer organization, shared activities build lasting friendships.

Remember my friend Rich’s father from earlier? In his final days, he didn't wish for a nicer car or bigger house. He wished for more time with loved ones.

Step 4: Create Daily Wealth Rituals

Small daily practices can make you feel rich in ways money never could.

Morning gratitude: Before checking your phone, name three things you're thankful for. This trains your brain to notice the abundance already in your life.

Evening reflection: End each day by asking, "What was the richest moment today?" This helps you recognize and appreciate real wealth as it happens.

Weekly nature time: Spend at least 30 minutes in nature each week. Research shows that time outdoors reduces stress and increases feelings of well-being—even more than shopping does!

Digital sunset: Turn off screens at least one hour before bed. Use this time for reading, conversation, or simply being present with your thoughts.

Step 5: Learn the Art of Savoring

One of the secrets of truly wealthy people is their ability to fully enjoy simple pleasures.

Enjoy beautiful moments. When you're watching a sunset or listening to music you love, give it your full attention. Notice every detail. Let yourself be fully present rather than thinking about what's next.

Celebrate small wins with the same enthusiasm you'd give to big achievements. Finishing a good book deserves recognition just as much as a promotion at work.

4. Overcoming The Challenges

Changing how you think about wealth isn't always easy. Let's address some common challenges:

Challenge #1: Breaking the Habit of "More"

Our society constantly tells us that more is better. Breaking this habit takes awareness and practice.

Try this exercise: For one week, before buying anything non-essential, ask yourself, "Will this add real wealth to my life?" If the honest answer is no, save your money for experiences that will.

Remember: Every purchase costs more than money—it costs time. If you need to work five hours to afford something, ask if it's worth five hours of your life.

Challenge #2: Dealing with Society's Pressure

Friends, family, and colleagues might not understand your new definition of wealth. You might feel pressure to keep up with their material standards.

Stand firm in your values. When someone questions your choices, explain that you're prioritizing experiences over possessions. Most people respect authenticity, even if they make different choices.

Challenge #3: Maintaining Consistency

It's easy to fall back into old patterns, especially during stress or major life changes.

Create visual reminders of what true wealth means to you. A photo of a special moment with loved ones on your desk can remind you what you're really working for.

Schedule regular check-ins with yourself. Every month, ask: "Am I investing in real wealth or getting distracted by false wealth?"

Celebrate your progress. Notice how your life feels richer as you focus on what truly matters.

5. Long-Term Benefits

When you redefine wealth on your own terms, you'll experience benefits that compound over time:

Deeper Happiness That Lasts

Unlike the quick hit of buying something new, the happiness from experiences and relationships grows stronger over time. Each memory becomes part of your personal wealth portfolio, paying "happiness dividends" for years.

Freedom from Comparison

When your wealth is measured in moments rather than money, you escape the endless cycle of comparing yourself to others. You no longer need to keep up with the Joneses because you're playing an entirely different game.

A Legacy That Matters

What will you leave behind that truly matters? When you build wealth in relationships and experiences, your legacy lives on in the hearts of those you've touched, not just in the things you've accumulated.

Peace of Mind Now and Later

Financial planning matters, but real wealth includes preparing for a life well-lived at every stage. By building rich relationships and meaningful activities now, you create a support system and purpose that will sustain you through all of life's seasons.

6. Frameworks for Your Wealth Journey

To help you stay on track with your new understanding of wealth, here are some practical tools:

The R.I.C.H. Life Assessment

Rate yourself from 1-10 in each of these areas:

• R- Relationships: How strong are your connections with family and friends?

• I- Inner peace: How often do you feel calm and content?

• C- Contribution: Are you making a difference in ways that matter to you?

• H- Health: Do you have the energy and wellness to enjoy each day?

Your lowest scores show where to focus first. Set one small goal to improve in that area this week.

The 5-5-5 Wealth Perspective

When making decisions, consider how they'll affect your life at three levels:

• How will I feel about this in 5 days?

• How will I feel about this in 5 months?

• How will I feel about this in 5 years?

This simple check prevents short-term thinking that can undermine true wealth.

The Weekly Wealth Tracker

Each Sunday, answer these three questions:

1. What moment today made me feel richest?

2. What did I do this week to invest in my relationships?

3. How did I use my time in ways aligned with my true values?

This builds awareness of real wealth as it happens in your everyday life.

The SIMPLIFY Framework

Use the acronym SIMPLIFY to remember key steps:

• S- Select what matters (list your core values).

• I- Identify clutter (physical and mental).

• M- Minimize commitments (say no to excess).

• P- Prioritize relationships (schedule quality time).

• L- Learn gratitude (start a journal).

• I- Integrate mindfulness (practice daily relaxation).

• F- Focus on experiences (plan outings).

• Y- Yield time for yourself (set boundaries).

7. Beginning The Journey

This week, take one small step toward true wealth.

It might be scheduling a family dinner with no phones allowed. It could be sitting outside to watch the sunset with full attention. Perhaps it's finally letting go of something you've been keeping "just in case."

Whatever you choose, notice how it feels. Does it add a sense of richness to your day? That feeling is true wealth beginning to grow in your life.

Then tomorrow, take another small step. And the next day, another.

Over time, these small choices create a life that feels truly rich—not because of what you own, but because of how you live.

Remember the words of the philosopher Epictetus: "Wealth consists not in having great possessions, but in having few wants."

Or as Warren Buffett puts it more bluntly: "Success is getting what you want. Happiness is wanting what you get."

The choice is yours. Will you chase material wealth that never quite satisfies? Or will you build a life rich in moments, connections, and meaning?

I hope you'll choose true wealth. Your future self will thank you.

8. Final Thoughts

Steve Jobs, the founder of Apple, was worth over $10 billion when he died in 2011. In his final days, he wrote: "At this moment, lying on my bed, sick and remembering my life, I realize all my recognition and wealth are meaningless in the face of death."

He concluded: "As we get older, we must distinguish between the memory of wealth and the wealth of memory."

This painful realization comes too late for many successful people. They climb the ladder only to find it was leaning against the wrong wall.

Research from Cornell University found that people on their deathbeds rarely wish they’d worked more or bought fancier things. Their regrets center on not spending enough time with family and friends, and living someone else’s version of success rather than their own.

The science is clear: 47% of our happiness comes from meaningful relationships according to a 2017 Harvard study. Only 10% comes from our financial situation. Yet we often spend 90% of our energy chasing that 10% while neglecting what matters most.

The Japanese have this concept of “ikigai” from Okinawa—one of the world's Blue Zones. This concept represents the intersection of what you love, what you’re good at, what the world needs, and what you can be rewarded for. Unlike Western notions of success that often emphasize financial achievement alone, ikigai represents a balanced prosperity.

True wealth isn't something you can buy—it's something you create through how you choose to live each day. It's found in quiet mornings, in conversations that stretch into the evening, in the feeling of your child's hand in yours, in moments of quiet awe at a beautiful sunset.

Start building your true wealth today. Because in the end, the richest people aren't those with the most money—they're those with the most life.

“Wealth is the ability to fully experience life.” – Henry David Thoreau

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9. Important Points to Remember

• True wealth is about freedom and experiences, not possessions. Real wealth means spending time with loved ones and having freedom to use your time as you choose.

• Material wealth often creates an empty feeling. Many people work longer hours to buy things they don't need, missing precious moments with those they love that they can never get back.

• Science confirms relationships matter most. An 80-year Harvard study found that good relationships—not money or fame—keep us happier, healthier, and help us live longer.

• Blue Zone research reveals the secret to longevity. People who live past 100 in good health don't credit their long lives to money but to strong social connections and purpose.

• Simple living adds more than it takes away. By removing what doesn't add value, you create space for authentic joy, leading to less stress, more time, better health, and greater self-awareness.

• Small daily practices create lasting wealth. Morning gratitude, evening reflection, weekly nature time, and digital sunsets are simple ways to feel rich regardless of your bank balance.

• The art of savoring turns ordinary moments into extraordinary treasures. Learning to fully enjoy simple pleasures multiplies your wealth experience without spending a dime.

• Your wealth should be measured in moments, not money. When you build wealth in relationships and experiences, your legacy lives on in the hearts of those you've touched.

• Happiness from experiences grows stronger over time. Unlike the quick hit of buying something new, memories become part of your personal wealth portfolio, paying "happiness dividends" for years.

• True wealth is something you create, not something you buy. It comes from how you choose to live each day and the meaning you create through your choices.

10. Actionable Advice

1. Break the "More Is Better" Habit

• Before buying anything non-essential, ask: "Will this add real wealth to my life?"

• Calculate purchases in terms of life energy: If you need to work 5 hours to afford something, ask if it's worth 5 hours of your life.

• Try a 30-day spending fast on everything except necessities.

• Create a "maybe later" list for impulse buys; revisit after 30 days to see if you still want them.

2. Redefine What Wealth Means to You

• Make a list of 5 moments when you felt truly wealthy in life satisfaction (not money).

• Set "wealth targets" based on experiences rather than purchases.

• Ask yourself daily: "Did I spend my time and money on what truly matters today?"

3. Invest in Your Relationships

• Plan weekly family dinners with no digital distractions.

• Reach out to one old friend each month with a simple "I was thinking of you" message.

• Create a relationship budget—time and money specifically for building connections.

• Join a community group based on shared interests.

4. Create Weekly Wealth Rituals

• Before checking your phone each morning, name three things you're thankful for.

• End each day by asking, "What was the richest moment today?"

• Spend at least 30 minutes in nature each week.

• Turn off all screens at least one hour before bed.

5. Track Your Wealth Progress

• Use the RICH Life Assessment monthly to track your growth in Relationships, Inner peace, Contribution, and Health.

• Start a daily wealth journal, noting moments that made you feel truly rich.

• Apply the 5-5-5 Wealth Perspective to major decisions: How will you feel about this in 5 days, 5 months, and 5 years?

• Schedule quarterly "wealth reviews" to assess your progress and adjust your approach.

6. Master the Art of Savoring

• When experiencing something beautiful, give it your full attention for at least 60 seconds.

• Celebrate small wins with the same enthusiasm you'd give to big achievements.

• Take photos of simple moments that make you feel rich, not just special occasions.

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11. Commonly Asked Questions

What is true wealth and how is it different from money?

True wealth is about having freedom, meaningful experiences, and strong relationships rather than just accumulating money or possessions. While financial resources are important for basic needs, true wealth encompasses having the freedom to wake up naturally, spend quality time with loved ones, and do things that bring you joy.

Research shows that once our basic needs are met (around $75,000 annual income in the US according to Princeton research), additional money brings diminishing returns on happiness. What matters more is how we spend our time and with whom we spend it.

Why don't expensive things make us as happy as we expect?

This happens because of a psychological phenomenon called hedonic adaptation – our tendency to quickly return to a baseline level of happiness despite positive or negative changes.

When we buy something expensive, we experience a brief happiness spike, but within weeks or even days, we adapt and return to our previous happiness level. Studies show that material purchases provide shorter happiness boosts than experiences.

Another reason is that material things often create what psychologists call a "hedonic treadmill" where we constantly need newer, better, or more expensive items to maintain the same level of satisfaction.

How can I start building true wealth if I have limited financial resources?

True wealth is available to everyone regardless of financial status. Here are ways to start:

• Strengthen relationships by scheduling regular time with loved ones

• Practice gratitude daily by noting three things you're thankful for

• Spend time in nature, which research shows boosts wellbeing

• Learn the art of savoring simple pleasures like food, music, or sunsets

• Declutter your home to create mental space and reduce stress

• Develop skills that bring you joy and satisfaction

Remember, many of the richest experiences in life cost little or nothing: conversations with friends, watching a sunset, or reading a library book.

How can I explain my new wealth values to friends and family who still focus on material wealth?

This can be challenging since consumer culture is deeply ingrained. Try these approaches:

• Lead by example rather than preaching. Let your lifestyle and happiness speak for themselves.

• Share the science when appropriate. Many people respond to research showing that experiences bring more happiness than possessions.

• Use "I" statements like "I've found I'm happier when I focus on experiences rather than things" instead of judging others' choices.

• Invite them to join you in experience-rich activities so they can feel the difference firsthand.

• Be patient and respect differences. Everyone must find their own path to what wealth means to them.

Won't I miss out on the finer things in life if I focus less on material wealth?

The irony is that by focusing less on material wealth, you often end up experiencing more of life's truly fine things.

When you're not working extra hours to afford luxury items, you have time to watch beautiful sunsets, have deep conversations, learn new skills, and travel at a pace that lets you truly connect with places and cultures.

Studies of regret consistently show that people rarely wish they'd bought more things at the end of life—they wish they'd spent more time with loved ones and pursued meaningful experiences.

Additionally, by being selective about material possessions, you can choose high-quality items that truly enhance your life rather than accumulating many things that bring little joy.

How does simple living lead to greater freedom?

Simple living creates freedom in multiple ways:

• Financial freedom: Spending less means you need less income, creating options to work less or change careers.

• Time freedom: Fewer possessions mean less time spent maintaining, organizing, and worrying about stuff.

• Mental freedom: A simpler schedule and environment reduce mental load and decision fatigue.

• Emotional freedom: Breaking free from comparison and status anxiety leads to greater contentment.

Research shows that people who voluntarily simplify their lives report lower stress levels and higher life satisfaction. By needing less, you ultimately gain more of what truly matters.

How do I maintain my new wealth mindset when I'm constantly bombarded with advertisements?

It's challenging but possible with these strategies:

• Reduce exposure by using ad blockers, unsubscribing from marketing emails, and limiting social media.

• Practice mindful consumption by asking "Will this add real wealth to my life?" before purchases.

• Wait 48 hours before making non-essential purchases to overcome the impulse buying urge.

• Find a community of like-minded people who share your values, whether online or in person.

• Keep a gratitude journal to regularly remind yourself of the wealth you already have.

Remember that advertisers spend billions specifically to make you feel discontent with what you have. Awareness of this fact helps create resistance to these messages.

What's the science behind relationships being so important to happiness?

The research is overwhelming:

• The famous 80-year Harvard Study of Adult Development found that close relationships protect against mental and physical decline and are better predictors of happiness than wealth, fame, or social class.

• Neuroscience research shows that positive social interactions release oxytocin, which reduces anxiety and improves mood.

• Studies of the world's Blue Zones (where people commonly live past 100) consistently find strong social bonds as a key factor in longevity.

• Brain scans show that social rejection activates the same areas as physical pain, underlining our fundamental need for connection.

Our brains are literally wired to make human connection essential to our wellbeing. This is why investing in relationships yields such high returns in terms of life satisfaction.

How can I tell if I'm making progress toward true wealth?

Look for these signs of progress:

• You feel less stressed about maintaining appearances or keeping up with trends

• You enjoy simple pleasures more deeply and find yourself naturally practicing mindfulness

• Your relationships are deeper and more meaningful

• You worry less about money while paradoxically making better financial decisions

• You no longer feel the "Sunday night dread" or live just for weekends

• You feel content more often than restless or dissatisfied

• You make decisions based on what truly matters to you, not external expectations

True wealth shows up as a sense of "enough-ness" in your life—feeling that what you have and who you are is sufficient.

Can pursuing true wealth help with my financial situation too?

Yes, ironically, pursuing true wealth often improves your financial health as well. When you stop buying things to impress others or fill emotional voids, you naturally spend less and save more.

The principles of true wealth lead to:

• Reduced impulse spending as you become more mindful about purchases

• Lower housing and transportation costs as you realize you don't need as much space or status

• Less debt from lifestyle inflation and keeping up with trends

• Better financial decisions based on long-term wellbeing rather than short-term gratification

• More money for experiences that bring lasting joy and memories

According to financial experts, people who define success in non-monetary terms tend to make better long-term financial decisions because they're less susceptible to lifestyle inflation.

How can I help my children understand true wealth in a materialistic world?

This is crucial since values form early. Try these approaches:

• Model the behavior you want to see. Children learn more from what you do than what you say.

• Create family rituals that emphasize connection, like device-free dinners or nature outings.

• Talk openly about advertising and how it's designed to make people feel inadequate.

• Celebrate non-material accomplishments like kindness, creativity, or perseverance.

• Give experiences as gifts rather than more toys or gadgets.

• Involve children in giving to others through volunteering or donations.

• Share stories of people who found meaning beyond material success.

Research shows that children who are raised with an emphasis on intrinsic values (relationships, personal growth) rather than extrinsic values (money, appearance) report higher wellbeing as adults.

What role does gratitude play in building true wealth?

Gratitude is perhaps the most powerful tool for cultivating true wealth because:

• It shifts attention from what's missing to what's present in your life.

• Neurological studies show that regular gratitude practices actually rewire your brain to notice positive things more readily.

• It creates a sense of abundance regardless of material circumstances.

• It strengthens social bonds when expressed to others.

• It reduces materialistic tendencies by creating satisfaction with what you have.

Research from UC Davis found that people who practiced gratitude consistently for 10 weeks reported 25% higher life satisfaction than those who didn't.

The simplest practice is to write down three things you're grateful for each day, being specific about why they matter to you.

How do I find my purpose as part of building true wealth?

Purpose is a key component of true wealth because it gives life meaning beyond material success. To discover yours:

• Reflect on when you lose track of time – what activities create a sense of flow?

• Consider what problems you feel drawn to solve in your community or world.

• Ask what you'd do if money were no object but you still had to contribute somehow.

• Think about compliments you frequently receive – they often point to your natural gifts.

• Try the Japanese concept of "ikigai" – finding the intersection of what you love, what you're good at, what the world needs, and what you can be rewarded for.

Research shows that having a sense of purpose correlates with up to 7 years of additional life expectancy according to studies at Rush University Medical Center.

Remember that purpose can evolve throughout your life and often comes from contributing to others' wellbeing.

What's the relationship between time and true wealth?

Time is the ultimate currency of true wealth. Unlike money, which can be earned back if lost, time passes irreversibly. True wealth means:

• Having autonomy over your time rather than selling most of it for a paycheck

• Being fully present during important moments rather than distracted

• Investing time in relationships that bring meaning and support

• Having margins in your schedule rather than being constantly rushed

• Spending time in alignment with your values rather than others' expectations

Time researcher Ashley Whillans from Harvard Business School found that people who value time over money report significantly higher life satisfaction, even controlling for income.

Consider tracking how you spend your time for a week to see if it aligns with what truly matters to you.

How can mindfulness help me experience greater wealth?

Mindfulness—the practice of bringing full attention to the present moment—is a powerful wealth-building tool because:

• It interrupts the hedonic treadmill by helping you fully appreciate what you already have

• It reduces stress and improves both mental and physical health

• It enhances relationships by improving your ability to listen and connect

• It helps overcome consumer impulses by creating space between desire and action

• It increases enjoyment of simple pleasures through full engagement

Research from Brown University shows that mindfulness practitioners report greater psychological well-being and less reactivity to stressors.

Simple mindfulness practices include taking three conscious breaths before meals, fully focusing on one task at a time, or taking a mindful walk where you notice sensations, sounds, and sights.

What's the most important first step toward true wealth?

The most important first step is awareness—recognizing that the conventional definition of wealth may not be serving you.

From there, start with something small but meaningful:

• Track your "wealth moments" for one week, noting times when you feel genuinely rich in experience or connection

• Have one meaningful conversation with someone you care about

• Clear one small space in your home of items that don't add value

• Spend 10 minutes in nature with your full attention

• Practice gratitude for what you already have

Remember that true wealth is built through consistent small actions rather than dramatic changes. Start where you are, with what you have, and build from there.

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💬 What would you add? Please share your thoughts below!

• What would your 80-year-old self tell your current self about what matters most?

• If you could press a button and add 2 extra hours to every day, how would you spend that time?

• How has your definition of wealth changed as you've gotten older?

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