Adopt a time weekly time to discuss a positive vision for your

9 min readDec 8, 2020

First of all, you shouldn’t be investing until you’ve established your financial foundation — such as a life fund and an emergency fund. Otherwise, you risk jeopardizing your stability and sanity.If Doctor Dan earns $500,000 a year but suffers from lifestyle creep — buying an expensive house, driving luxurious cars, and living an extravagant day-to-day life — he’s far from financial stability. Why? Because his income is tied up by car payments, mortgage payments, expensive trips, and whatever else he throws his money at.Hug it out and find ways to show physical affection. It has been proven that hugging your partner for even thirty seconds a day actually increases your intimacy and passion. According to author Dr. Kory Floyd, physical contact releases feel good hormones. Holding hands, hugging, touching, and making out can release oxytocin (the bonding hormone) that reduces pain and causes a calming sensation. Studies show that it’s released during sexual orgasm as well. Physical affection also reduces stress hormones — lowering daily levels of the stress hormone cortisol.

In 2019, the average household income — which considers families and single individuals — was $68,703. That doesn’t account for taxes, but we’ll conservatively assume you’re left with $50,000 after paying Uncle Sam. So, on a monthly basis, the typical person makes around $4,167.

At this point, you are ready to familiarize yourself with a few matrix decompositions. If you think about it for a second, what type of matrices are the best from a computational perspective? Diagonal matrices! If a linear transformation has a diagonal matrix, it is trivial to compute its value on an arbitrary vector.

Historically, the average annual return of the S&P 500 is roughly 10%. Using the Rule of 72, that means an investment in an S&P 500 index fund should double in value every 7.2 years. Obviously, that return and growth can’t be precisely predicted or guaranteed, but it’s a reasonable assumption.

Most special forms aim to decompose a matrix A to a product of matrices, where preferably at least one is diagonal. Singular Value Decomposition, or SVD in short, the most famous one, states that there are special matrices U, V, and a diagonal matrix Σ such that

Compound interest is the idea of earning interest on interest. When applied to the stock market, it’s the ongoing reinvestment of your capital gains, which creates a compounding effect — so your gains produce even more gains.

On the other side, Teacher Tom is thrifty and knows how to live a modest lifestyle. He saves more than he spends, which helps him build wealth at the exact same rate as Doctor Dan.

Creating daily or weekly rituals will enable you to spend quality time together. Carve out time to be with your partner so you don’t become “two ships passing in the night.” Focus on spending time doing enjoyable activities that bring you both pleasure. Dr. John Gottman suggests that couples make a commitment to spend a magic five hours a week together. Taking time to process your dreams can bring you closer and strengthen your marriage.

Never underestimate the power of having a great time with your partner. Doing silly things like singing in the shower together or body surfing at the beach can bring joy and laughter. Telling jokes, watching funny movies, or anything else that brings you both pleasure can ignite passion and keep you connected.

Find time for physical exercise and excitement each day. Try to power walk around the neighborhood or on a hiking trail or bike path. Add a little novelty and excitement by trying kayaking in the summer or cross country skiing in the winter months. Studies show that sharing an exciting experience can bring couples closer together.

If you want to pragmatically invest your way to seven-figure wealth, you need to adopt a long-term investment strategy. The good news is you don’t need an extensive financial background or a ridiculous amount of money to start your wealth journey.

In simpler terms, it’s a proven way to generate and exponentially increase wealth. And, again, you don’t need millions of dollars or a fancy degree to take advantage of compound interest. Even a simple, recurring investment in the general stock market can be lucrative down the road.
Write down your shared vision and prioritize: Don’t sweat the small stuff and keep the focus on spending time together alone and with your kids. For instance, in our house we have pizza on Tuesday nights and eat at a restaurant twice a month. This gives us six nights a month to spend more time together when we aren’t so focused on cooking and cleaning up.
The most straightforward way to achieving wealth is by living within your means. That’s how school teachers can outpace doctors and lawyers in terms of wealth generation and financial stability.

Adopt a time weekly time to discuss a positive vision for your

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