Author: anticodeguy

  • The Subconscious Goal System: How Your Brain Works on Goals While You Sleep [Part 5]

    The Subconscious Goal System: How Your Brain Works on Goals While You Sleep [Part 5]

    The Manager You Can’t Control

    In previous articles, we built the foundation: authentic goals backed by psychological readiness, reinforced by both emotional truth and logical structure. You have solid motivation architecture.

    1. Why Most Goal-Setting Advice Fails (And the Neuroscience-Backed Framework That Actually Works) [Part 1]
    2. [Part 2]
    3. The Goal-Setting Framework That Combines Logic and Emotion (And Why You Need Both) [Part 3]
    4. [Part 4]

    Now here’s where most people get stuck.

    They have the goal, they understand their reasons, they feel motivated. And then they sit down to work on it and… nothing happens. Or they make progress for a while through sheer willpower, but it feels like constantly pushing a boulder uphill. Every action requires enormous conscious effort.

    This is the problem: your conscious mind set the goal, but your subconscious mind controls most of your actual behavior.

    And here’s the interesting part – you can’t directly command your subconscious. You can’t just tell it “work on this goal” and expect compliance. It doesn’t work that way.

    But you can influence what information it receives. You can program it, indirectly, by controlling the inputs. And when you do this correctly, something remarkable happens: the goal starts working on itself. Decisions that used to require willpower become automatic. Opportunities you would have missed suddenly become visible. The path toward your goal starts feeling like the natural direction rather than the difficult one.

    This is how your brain actually works. And understanding this system is the difference between goals that require constant conscious effort and goals that seem to achieve themselves.

    Let me show you how this works.

    How Your Subconscious Operates

    The System That Runs Your Life

    Your subconscious mind is doing most of the heavy lifting in your daily life. It’s managing your breathing, your heartbeat, your digestion, controlling hormone release – adrenaline when you’re in danger, cortisol when you’re stressed, dopamine when you encounter reward-predicting cues.

    It is also managing most of your behavioral responses. When you jerk your hand away from something hot, that’s not a conscious decision. The subconscious receives sensory input (heat receptors firing), processes it instantly, and sends the motor command to pull away – all before your conscious mind even registers what happened.

    This happens constantly with less dramatic examples too. You drive home on autopilot while thinking about something else, you navigate a familiar environment without consciously planning each step, you respond to social cues without deliberate analysis.

    According to neuroscience research, the brain’s goal-pursuit machinery involves three interconnected systems working together. The prefrontal cortex serves as the command center, with the dorsolateral PFC representing action policies and working memory, while the ventromedial PFC and orbitofrontal cortex assign value to different options during choice.

    As Miller and Cohen established in their foundational 2001 paper:

    “Cognitive control stems from the active maintenance of patterns of activity in the prefrontal cortex that represent goals and the means to achieve them”.

    In simpler terms: your prefrontal cortex holds the goal consciously, but achieving it requires the whole brain system working together – including parts you can’t consciously access.

    The Black Box You Can Influence

    I think about the subconscious as a black box system. You know the concept from systems analysis (btw I have an article about that concept): you can’t see inside the box, you don’t directly control what happens inside, but you can control the inputs and observe the outputs.

    Simple diagram of a black box system showing input and output arrows, representing the essence of black box systems thinking

    Input goes in → processing happens (hidden) → output comes out

    For goal achievement, this means:

    • Input: The information, images, reminders, and focus you give your subconscious
    • Processing: Whatever your subconscious does with that information (you can’t directly control or observe this)
    • Output: Your actual behaviors, attention patterns, and decisions

    You can’t command your subconscious to achieve the goal. But you can consistently feed it the right information, and trust the system to process it.

    This is liberating once you accept it. You’re not trying to micromanage every mental process. You’re setting up the right conditions and letting the system do what it naturally does.

    Slow Influence vs. Instant Reflexes

    Here’s an important distinction: the subconscious handles both immediate reflexes and gradual goal pursuit, but they work on completely different timescales.

    The hand-in-fire reflex is instant. Sensory input → immediate response. This evolved for survival – you can’t afford to consciously deliberate when something is actively harming you.

    Goal pursuit works much slower. You can’t achieve “build a successful business” or “get in great shape” by sleeping on it for one night. These require sustained behavior change over weeks, months, or years.

    But the subconscious is working on them the whole time, just gradually. It’s directing your attention toward goal-relevant information, making goal-aligned choices feel more natural and appealing, and filtering your environment for opportunities that serve the goal.

    This is what research on unconscious goal pursuit has demonstrated. John Bargh and colleagues at Yale have shown that

    “actions are initiated even though we are unconscious of the goals to be attained or their motivating effect on our behavior”.

    The key word there is “unconscious.” You’re not deliberately thinking “this choice serves my goal” every time. The subconscious is nudging behavior in the background non-stop.

    But this only works if you’ve properly programmed the subconscious with the goal in the first place.

    Vision Boards: Science vs. Myth

    My Vision Board Success Story

    Let me tell you something that happened to me that I didn’t even realize until years later.

    When I lived in a different city, in a different country, I created a vision board. This was around five years ago. I’d been watching a lot of videos from a YouTuber named Enes Yilmazer who tours luxury real estate – modern mansions in Beverly Hills, contemporary villas in Dubai, houses worth millions or tens of millions of dollars.

    One image stuck with me: a beautiful modern house with a pool. I put it on my vision board along with other aspirational images. At the time, living in a house with a pool felt impossibly distant. I was nowhere near that financially or practically.

    Then I moved to Thailand. I found a house to rent. And one day, months after moving in, I suddenly remembered that vision board I’d created years earlier.

    The house I was living in – the one I’d chosen without consciously thinking about my old vision board – matched that image not exactly, it’s not a multi-million dollar house. But it’s freshly built and it has a private pool. The specific aesthetic I’d visualized.

    I hadn’t deliberately searched for “house matching my vision board.” I’d just looked for places that felt right, that appealed to me. And somehow, without conscious awareness, I’d gravitated toward exactly what I’d visualized years earlier.

    Now, this is just one anecdote. And anecdotes aren’t data. But it illustrates something important about how visualization might work when it works.

    The Real-World Case Studies

    My experience isn’t unique. There are several famous examples of this pattern.

    black-and-white portrait of John Assaraf, often cited in discussions about vision boards and visualization

    John Assaraf’s Exact House: John Assaraf, an entrepreneur and author, created a vision board in 1995 with images of things he desired, including an extravagant house. He routinely visualized already living that life.

    Years later, in 2000, Assaraf purchased a new home in California. While unpacking, his young son found the old vision board. To Assaraf’s shock, the image of the house on the board was the exact house he had bought – down to unique architectural details.

    He had subconsciously been drawn to what he had vividly imagined. By keeping his goal in sight (literally), Assaraf arguably primed himself to recognize and seize the opportunity when it arose.

    black-and-white portrait of Jim Carrey, associated with visualization and vision board success stories

    Jim Carrey’s $10 Million Check: Before Jim Carrey was a famous actor, he was an unknown, struggling comedian in the late 1980s. During this period, Carrey wrote himself a post-dated check for $10,000,000 for “acting services rendered,” dated Thanksgiving 1995, and carried it in his wallet.

    He would take it out periodically and visualize being a successful, highly-paid actor. In 1994 – almost exactly matching the date on the check – Carrey landed the role in Dumb and Dumber that earned him about $10 million.

    He publicly shared this story, crediting his focused intention and belief for helping him persevere and attract opportunities.

    These stories are compelling. They seem to prove that visualization works. But we need to be more precise about what they actually demonstrate.

    What Science Actually Says About Visualization

    Here’s where we separate myth from reality.

    The popular claim about visualization is that if you vividly imagine your goal, the universe will somehow manifest it for you. Or your subconscious will “attract” opportunities through some mystical mechanism.

    That’s not what’s happening.

    What actually happens is more subtle but more real: visualization changes your attention patterns and decision-making in ways that make goal-relevant opportunities more visible and goal-aligned choices more appealing.

    Research by Gabriele Oettingen at NYU has shown: positive visualization alone can actually decrease motivation. When you indulge in fantasies about achieving your goal, your brain gets a hit of satisfaction from the fantasy itself. This can reduce the energy to actually pursue the goal, because you’ve already gotten the reward (mentally).

    In one of Oettingen’s studies, people who positively visualized their goals spent 8 hours less studying than those who visualized the process of studying. The outcome-focused visualization actually hurt performance.

    So what does work?

    Oettingen developed a technique called “mental contrasting” – visualizing success and simultaneously visualizing obstacles. This combination is far more effective than positive fantasy alone. You imagine what achieving the goal would be like, but you also imagine what might get in your way and how you’ll handle it.

    This creates what researchers call implementation intentions – specific if-then plans that help bridge the gap between goal and action.

    The Athlete Research: What Actually Works

    The best evidence for visualization comes from athletic performance research.

    A 2024 meta-analysis examined 86 studies involving 3,593 athletes. The findings showed statistically significant enhancement in performance from mental imagery, with optimal effects from approximately 10 minutes per session, 3 times weekly, over 100 days. The effect size was g = 0.75 – a substantial impact.

    But here’s the critical detail: this was mental imagery combined with actual practice. The athletes weren’t just visualizing. They were doing the physical training and using visualization to enhance it.

    Mental rehearsal of specific movements activates similar brain regions as actually performing those movements. Pearson’s 2019 review in Nature Reviews Neuroscience established that visual mental imagery involves networks from frontal cortex to sensory areas, with representations resembling perceptual images as early as primary visual cortex.

    Motor imagery studies show that just 10 minutes of training boosts motor imagery patterns in the premotor cortex and supplementary motor area.

    So visualization works by creating neural activation patterns similar to actual performance, which then enhances actual performance when you do the practice. It’s a performance enhancer, not a replacement for action.

    The Reticular Activating System Explanation

    You’ve probably heard the claim that vision boards work by programming your Reticular Activating System (RAS) – the brain’s attention filter.

    The theory goes: your RAS filters the massive amount of sensory information hitting your brain every second, allowing only relevant information through to conscious awareness. By visualizing your goals, you tell your RAS what’s relevant, so it starts noticing goal-related opportunities you would have otherwise missed.

    This has theoretical plausibility. Your brain absolutely does filter attention based on current goals and priorities. This is well-established in cognitive neuroscience.

    But the direct link between “looking at vision board” and “RAS programming” is less scientifically established than the popular explanations suggest. The RAS explanation is a plausible mechanism, but it’s not directly proven in controlled studies.

    The more accurate framing is this: vision boards and visual reminders may help maintain goal awareness and direct attention toward goal-relevant information. They work through attention priming – making the goal more salient so your brain treats related information as more important.

    This is real and useful. But it requires combination with actual action planning and execution.

    What My Vision Board Story Actually Proves

    So what really happened with my house-with-pool experience?

    Probably this: By repeatedly exposing myself to images of that aesthetic – modern architecture, private pool, specific design elements – I created a visual template in my brain of what “appealing home” looks like.

    Then, when I was actually looking for a place to live in Thailand, my attention was unconsciously drawn to properties matching that template. I didn’t think “does this match my vision board?” I just thought “this feels right, I like this.”

    The vision board influenced my preferences and attention patterns. It didn’t magically manifest the house. It shaped what I found appealing, which influenced where I chose to live.

    That’s still powerful. But it’s a psychological mechanism, not a mystical one.

    And it only worked because I was actually taking action – actually relocating to a different country, actually looking for a place, actually making a decision. The vision board alone, without action, would have accomplished nothing.

    We’re not done yet, so wait for the next chapter, where we will dive deeper into the science and practice of the subconscious mind and how you can use it in your favor.

  • The Goal-Setting Framework That Combines Logic and Emotion (And Why You Need Both) [Part 4]

    The Goal-Setting Framework That Combines Logic and Emotion (And Why You Need Both) [Part 4]

    We’re going very deep into this topic and this is part 4 of the series. I won’t recite previous articles here, but it’s better to read them first to understand the context:

    1. Why Most Goal-Setting Advice Fails (And the Neuroscience-Backed Framework That Actually Works) [Part 1]
    2. Why Most Goal-Setting Advice Fails (And the Neuroscience-Backed Framework That Actually Works) [Part 2]
    3. The Goal-Setting Framework That Combines Logic and Emotion (And Why You Need Both) [Part 3]

    Building Your Rational Chain

    The Multi-Layered Logical Explanation Method

    For analytical minds, building a robust logical chain is essential. This is my personal method, refined over years of trying to make goals stick.

    The process works like this: I start with the goal and ask “why?” Then I answer it. And then I ask “why?” about that answer. I keep going until I hit something fundamental – one of those five core drivers (health, wealth, relationships, happiness, spirituality) or a core value that feels bedrock.

    Let me give you an example with a simple goal: “I want to build a personal brand.”

    1. Why? Because it will create opportunities for me professionally.
    2. Why do I want professional opportunities? Because they lead to income and career growth.
    3. Why do I want income and career growth? Because financial security gives me freedom and options.
    4. Why do I want freedom and options? Because I value autonomy – the ability to make decisions about my life without being controlled by financial constraints or other people’s demands.
    5. Why do I value autonomy? Because throughout my life, my happiest and most fulfilling moments have been when I felt in control of my choices and direction. The times I felt most miserable were when I was constrained by others’ expectations or financial necessity.

    Now I’ve hit bedrock. Autonomy connects to my fundamental experience of well-being and life satisfaction. This is touching emotional truth. But I got there through logic.

    This chain now becomes my rationalization. When building a personal brand feels hard or pointless, I can trace back through the chain: this action → professional opportunities → income and growth → freedom and options → autonomy → my fundamental well-being.

    Each link is logically sound. The whole chain is emotionally grounded. Both working together.

    Making Borrowed Goals Your Own

    You can use it to transform borrowed goals into authentic ones.

    Remember from the first article: when you see someone else’s goal and think “I want that too,” your brain often rejects it as not yours. But if you can build your own logical chain from that goal back to your fundamental drivers, it can become authentically yours.

    Let’s say you see someone who’s built a successful YouTube channel, and you think “I want to do that.” Your brain immediately flags this: “That’s their goal, not yours.”

    But now you apply the method.

    1. Why do you want a YouTube channel?
    2. Not because they have one. That’s not a real reason. Go deeper.
    3. Maybe: Because I have knowledge I want to share, and YouTube is an effective distribution platform.
    4. Why do you want to share knowledge? Because I find fulfillment in helping others understand things I’ve figured out, and because it establishes expertise that creates opportunities.
    5. Why does that matter? Because career opportunities that align with my strengths would make work feel less like obligation and more like expression.
    6. Why does that matter? Because I’ve spent too much of my life doing work that feels disconnected from who I am, and I’m done with that.

    Now you’ve connected “build a YouTube channel” to something deeply personal. It’s no longer borrowed, but yours, arrived at through your own reasoning process, grounded in your own experience and values.

    This is how you take external inspiration and transmute it into internal motivation.

    When the Chain Is Complete

    You’ll know the rational chain is complete when it feels inevitable. When the goal feels like the obvious next step rather than something you’re forcing yourself toward.

    For me, this happens when I can’t find any holes in the reasoning. When my analytical brain, which loves finding flaws, can’t dismantle the logic. When the chain is so robust that it can withstand my own skepticism.

    This might take days or weeks. You might need to write it out multiple times, each time refining the connections. You might need to test it by arguing against yourself – deliberately trying to find weak links.

    But when it’s solid, you’ll feel it. The goal stops feeling like somthing external.

    Anchoring to Emotional Truth

    Identifying the Core

    While rational chains are powerful, you can’t ignore the emotional foundation entirely. Even the most analytical person has emotional drivers underneath their logic.

    The question is: what’s the emotional core of your goal?

    For some goals, this is obvious. You want to lose weight because you feel ashamed of your body. You want to get out of debt because financial stress creates constant anxiety. You want to change careers because your current job makes you miserable every Monday morning.

    The emotion is right there, visible and visceral.

    For other goals, the emotional core is buried deeper. You might rationally know you want something, but when you dig into why, you discover emotions you weren’t fully aware of: fear of mediocrity, desire for respect, need for security, craving for freedom, hunger for meaning.

    This excavation process matters because emotional anchors – when you find the real ones – are incredibly powerful for sustaining motivation.

    Here’s how to identify them: keep asking “why does that matter to me?” until you hit something that generates physical sensation. Not just intellectual understanding, but actual feeling in your body. That’s usually where the real emotional core lives.

    Creating Emotional Touchpoints

    Once you’ve identified the emotional core, you need ways to reconnect with it when motivation dips.

    Some people do this through journaling – writing about why the goal matters, how achieving it will feel, what failure would mean. The physical act of writing, combined with reflection, reactivates the emotional connection.

    Others use video. Record yourself explaining your goal and why it matters. Future you, when motivation is low, can watch past you expressing that emotional truth. It’s effective because you can see and hear the genuine emotion in your own voice and face.

    Still others use environmental anchors. A photo from a time when you felt the emotion strongly. An object that represents what you’re moving toward or away from. A place you go to reconnect with your reasons.

    The specific technique matters less than the principle: you need reliable ways to reactivate emotional connection when logic alone isn’t enough.

    When Both Align

    This is the goal state: when emotional truth and logical structure interlock so completely that they become indistinguishable.

    When you can feel the emotion and explain the logic simultaneously. When the rational chain activates the emotion, and the emotion reinforces the logic. When questioning the goal from either direction – emotional or logical – leads you back to the same solid foundation.

    This is rare. Most goals lean more heavily on one side or the other. But when you achieve this alignment, the goal becomes practically unstoppable.

    I’ve experienced this with my autonomy goal. The emotional core – that deep-seated need for freedom from constraint – is always accessible to me. I can feel it physically when I think about it. And I have a complete rational framework explaining why autonomy matters, how it connects to well-being, and what specific actions lead toward it.

    When I’m tired and don’t feel like working on my personal brand (a sub-goal serving autonomy), I can access either the emotion or the logic:

    • Emotional path: “Remember how trapped you felt working for that boss who controlled every minute of your day? You never want to feel that way again. This action moves you away from that.”
    • Logical path: “Building personal brand → professional independence → financial stability not tied to single employer → autonomy in life decisions. This action is a clear link in that chain.”

    Both paths lead to the same conclusion: do the work. And because I have both paths available, it’s much harder for my brain to find excuses.

    This is what you’re building toward.

    Individual Differences in Motivation Architecture

    Why Vision Boards Work for Some and Not Others

    Now we need to address one more thing: people are different (surprise-surpise). Their brains work differently. What creates powerful motivation for one person might be completely ineffective for another.

    Vision boards are a perfect example.

    For some people, visual representation of their goals is incredibly powerful. They put images on a board, look at it regularly, and it genuinely helps keep goals salient and motivating. The visual stimulus activates emotional response and reminds them what they’re working toward.

    For other people, vision boards feel silly. The images don’t create emotional resonance. The whole exercise feels forced and artificial. It just doesn’t work for how their brain operates.

    This isn’t a failure of vision boards or a failure of the person, but a simple mismatch between technique and cognitive style.

    Research on personality and goal pursuit confirms this. Studies on Goal Orientation show some people are more motivated by mastery (learning for its own sake) while others are motivated by performance outcomes. Different personality types benefit from different goal-setting strategies.

    Gretchen Rubin’s framework of the Four Tendencies describes how people respond differently to expectations.

    1. Obligers need external accountability.
    2. Questioners need internal justification.
    3. Rebels resist all expectations and need to feel autonomous.
    4. Upholders respond well to both internal and external expectations.

    These differences matter enormously for building motivation architecture.

    Finding Your Motivation Style

    So how do you determine what works for your brain?

    Start by looking at past successes. When you actually achieved a goal, what factors were present?

    • Did you have external accountability (telling friends, hiring a coach)?
    • Did you have a detailed written plan?
    • Did you have strong emotional reasons?
    • Did you create visual reminders?

    Notice what actually changed behavior for you, not what sounds good theoretically.

    Also notice your default cognitive style:

    • If you’re highly analytical and skeptical, you probably need robust logical chains. Vision boards and affirmations will likely feel hollow unless backed by solid reasoning.
    • If you’re emotionally intuitive and experiential, you probably need strong emotional anchors and sensory reminders. Pure logic might feel sterile.
    • If you’re socially motivated, you might need external accountability and community support. Internal motivation alone might not generate enough push.
    • If you’re creative and imaginative, you might respond well to visualization and storytelling around your goals. Spreadsheets and systems might feel constraining.

    There’s no right answer. The question is: what works for how your specific brain operates?

    The Danger of Force-Fitting Techniques

    This is crucial: trying to force yourself to use motivation techniques that don’t fit your cognitive style creates resistance and often backfires.

    • If you’re analytical and you try to motivate yourself purely through emotional visualization, you’ll likely feel frustrated and fake. Your brain will reject it.
    • If you’re intuitive and emotional, and you try to motivate yourself through detailed logical analysis, you might feel paralyzed by overthinking.

    The goal is authenticity to your cognitive style, not following someone else’s system because it worked for them.

    black-and-white portrait of psychologist Edward Deci, whose research underpins intrinsic motivation in goal setting

    As Edward Deci noted:

    “There are no techniques that will motivate people… When people are really ready to change for their own personal reasons… then various techniques may be useful”.

    The technique serves the motivation, not the other way around. First you need genuine readiness (read in the first article) and solid architecture (this one). Then you choose techniques that fit how you actually think and feel.

    Building Your Personal Motivation Architecture

    Let me collect this into practical guidance.

    Step 1: Identify Your Emotional Core

    Spend time with these questions:

    • What does achieving this goal mean to me emotionally?
    • What am I moving away from (fear, pain, constraint)?
    • What am I moving toward (desire, freedom, fulfillment)?
    • Where do I feel this physically in my body?

    Don’t settle for surface answers. Keep digging until you hit something that generates actual feeling.

    Step 2: Build Your Logical Chain

    Starting from your goal, ask “why does this matter?” repeatedly until you hit bedrock – a core value or fundamental need.

    Write this chain out. Make each link explicit and logically sound.

    Test it by arguing against yourself. Can you find holes? If so, strengthen those links.

    The chain is ready when your analytical mind accepts it as inevitable.

    Step 3: Integrate Them Together

    Find ways to connect emotional truth with logical structure:

    • When you feel the emotion, articulate the logic: “I feel trapped by this job (emotion). This is why building financial independence is my top priority (logic).”
    • When you’re working through the logic, touch the emotion: “This action leads to autonomy (logic). Remember what freedom feels like (emotion).”

    Practice moving between both perspectives. They’re not separate – they’re different angles on the same thing.

    Step 4: Choose Your FightersTechniques

    Now select specific tools based on your cognitive style:

    Analytical types might need:

    • Written goal statements with supporting logic
    • Regular review of the rational chain
    • Data tracking to see objective progress
    • Clear if-then implementation plans

    Emotional types might need:

    • Vision boards or visual anchors
    • Journaling about feelings and experiences
    • Regular emotional check-ins
    • Community or accountability partners

    Most people need some combination. The key is honest self-assessment about what actually generates motivation for you, not what should theoretically work.

    Step 5: Maintain Your Goals

    Motivation architecture requires maintenance. Both emotional connection and logical clarity can degrade over time if not reinforced.

    Create routines for reconnecting with both:

    • Weekly goal review (touching both emotion and logic)
    • Monthly deep reflection (is this still authentic? Do I need to adjust?)
    • Regular exposure to environmental anchors
    • Periodic re-reading of your written rationale

    This is an ongoing practice, often times for years and decades.

    What We’ve Built

    Let’s recap the architecture you’re constructing:

    1. You have an authentic goal backed by psychological readiness. It’s genuinely yours, not borrowed. You’ve internalized it through your unique cognitive style.
    2. You’ve built two-way reinforcement between emotion and logic. You have both the spark (emotion) and the fuel (logic). They support each other, creating stability that neither alone could provide.

    This is the complete motivation architecture. Authentic foundation + dual-channel reinforcement.

    But we’re not done yet.

    Having solid architecture is crucial, but it doesn’t answer the practical question: how does this abstract goal that might be years away actually influence what you do today? How do you bridge the gap between “I want to achieve X eventually” and “what should I do right now”?

    That’s where most people get stuck. They have the goal, they have the motivation, but the goal feels disconnected from daily life. It sits there as an abstract aspiration while their actual behavior continues unchanged.

    What Comes Next

    In the next article, we’re diving into something fascinating: your subconscious mind’s role in goal achievement.

    Here’s a question most people never consider: Once you’ve set an authentic goal with solid motivation architecture, who’s actually working on achieving it? You might think it’s your conscious, deliberate self – the part making plans and tracking progress.

    But I encourage you to suggest something more interesting. Your subconscious mind – the system managing your attention, your habitual behaviors, your automatic responses – plays a massive role. And you can influence it.

    We’ll explore:

    • How your subconscious actually processes and works toward goals (backed by neuroscience research, not woo-woo stuff like wishful thinking)
    • What vision boards actually do in your brain (and why the popular explanation is wrong)
    • The real science behind visualization – what works, what’s myth, and what the athlete research actually shows
    • How authentic goals become automatic decision-making filters
    • Why some goals seem to “achieve themselves” while others require constant willpower

    This is where motivation architecture meets daily life. Where abstract goals start influencing concrete choices. Where the system you’ve built starts producing actual behavior change.

    And this is where it gets really interesting.

  • The Goal-Setting Framework That Combines Logic and Emotion (And Why You Need Both) [Part 3]

    The Goal-Setting Framework That Combines Logic and Emotion (And Why You Need Both) [Part 3]

    The Architecture Your Goals Are Missing

    In the first two articles, we established the foundation: psychological readiness, authentic goals, and proper internalization. You understand now why borrowed goals fail and why your brain rejects anything that isn’t genuinely yours:

    1. Part 1
    2. Part 2

    But here’s the problem most people encounter next.

    • You have a goal that’s authentically yours.
    • You’ve verified your readiness to change.
    • You’ve connected it to one of your fundamental drivers.

    And then… the motivation disappears anyway.

    Maybe it happens after a week, maybe a month. But that initial fire that made the goal feel inevitable and exciting – it fades. And you’re left wondering why something that felt so right now feels like just another obligation.

    The answer is that authentic goals still need architecture. They need both rational justification and emotional power, working together in two-way reinforcement. Most people rely on one or the other. And both approaches, when used alone, eventually fail.

    Let me explain why, and then show you how to build goals that don’t collapse.

    Why Emotion Alone Creates Goals That Evaporate

    The Motivation Spike That Disappears Overnight

    I’ve experienced this countless times. Something triggers an emotional response – maybe I watch an inspiring video, or I see someone achieve something impressive, or I have a moment of clarity about what I want. And in that moment, the goal feels absolutely real. I’m fired up and ready to change everything starting tomorrow.

    And then tomorrow comes.

    The emotional spike is gone. The goal that felt so compelling yesterday now feels… optional. Distant. Like someone else’s idea that somehow got into my head. Within days, I’ve completely forgotten about it, buried under the normal flow of daily life.

    This is a structural problem with emotion-based goal-setting.

    Fear-based motivation works the same way. You get a health scare, and suddenly you’re committed to exercising and eating right. For about two weeks. Then the fear fades, and you’re back to old patterns. The emotional trigger is gone, so the motivation disappears with it.

    You see this pattern everywhere with New Year’s resolutions. The emotional energy of a fresh start, the cultural momentum of everyone setting goals together, the symbolic clean slate of a new year – it all creates a powerful emotional spike. And then February arrives, and approximately 80% of those resolutions have already failed (real stats data, btw).

    The emotion was real and the goal felt authentic in that moment. But emotion alone is a terrible foundation for sustained action.

    What Neuroscience Tells Us About Emotional Motivation

    Here’s what’s actually happening in your brain when you experience that motivational spike.

    dopamine molecule diagram on a dark background illustrating the neuroscience of goal setting psychology

    Dopamine – the neurotransmitter everyone associates with pleasure and reward – is firing based on prediction errors. This is the groundbreaking research by Wolfram Schultz that won him a Nobel Prize. Dopamine neurons fire when outcomes exceed expectations and depress their activity when results disappoint.

    Dopamine responses transfer from rewards themselves to reward-predicting cues during learning. The anticipation becomes rewarding, not just the achievement.

    This is why goals themselves can become motivating before you achieve them. Your brain learns to associate the goal with potential reward, and that association triggers dopamine. You feel excited thinking about the goal.

    But this system is designed for immediate feedback loops.

    • Touch hot stove → pain → learn not to touch.
    • See food → eat → satisfaction → remember that food source.

    The emotional system evolved for short-term survival decisions, not for goals that take months or years to achieve.

    black-and-white portrait of Andrew Huberman, referenced in discussions of dopamine and goal setting psychology

    As Stanford neuroscientist Andrew Huberman (you know him, right?) explains:

    “Dopamine is a currency involved in movement initiation en route to goals… it’s really not about the sense of pleasure or reward, but converting desire into physical and cognitive effort”.

    When the emotional spike fades – and it always does – you lose that dopamine-driven push toward action. The goal doesn’t disappear, but your brain stops treating it as urgent. Other dopamine sources (checking your phone, eating something tasty, watching another video) provide more immediate hits.

    This is why pure emotional motivation, no matter how powerful initially, tends to collapse.

    The Pattern You’ve Probably Experienced

    Let me describe a scenario you’ve probably lived.

    0. You watch a documentary about someone who achieved something remarkable through discipline and consistency and you feel inspired. Your thoughts: “That’s exactly what I need to do. Starting Monday, I’m going to…”

      1. Monday arrives. You follow through. Maybe even for the whole week. You feel good about yourself. The emotional energy is still there, carrying you forward.
      2. Week two: The novelty is wearing off, but you’re still committed. You’ve told people about your new goal. You don’t want to be the person who quits after one week.
      3. Week three: You miss a day. Life got busy. It’s fine, you’ll make it up tomorrow. But tomorrow you’re tired. You miss another day. The emotional connection to the goal is now completely gone. It feels like work with no reward.
      4. Week four: The goal is effectively dead. You might still think about it occasionally, but there’s no actual behavior change happening.

      This is the pattern of emotion-driven goal-setting. Initial spike, gradual decline, eventual abandonment. Studies on motivated reasoning show that passion (affect) directs our initial attention, but it’s not sufficient for sustained pursuit over time.

      Why Logic Alone Creates Goals That Feel Hollow

      The Analytical Paralysis Problem

      Now let’s look at the opposite approach – purely logical goal-setting.

      This is the spreadsheet approach to life. It’s when you analyze what you should do based on optimal outcomes. You create rational arguments for why the goal makes sense, build systems and frameworks. Everything is structured, planned, reasonable. Sounds about right to me!

      And it feels completely cold.

      I’m naturally analytical. My brain constantly wants logical explanations for everything. So you’d think pure logic would work perfectly for me. But here’s what I discovered: logical goal-setting without emotional grounding lacks visceral pull.

      You can rationally know that you should exercise and list all the benefits: better health, more energy, longer lifespan, improved mood. Calculations show that investing 30 minutes daily yields enormous returns. The logic is airtight.

      But when the moment comes to actually go to the gym, all that logic doesn’t generate the physical impulse to move. You stay on the couch. Not because you’ve rejected the logical reasoning, but because logic alone doesn’t activate approach motivation.

      Research consistently shows that emotion is more powerful than logic in triggering action,

      Emotion > Logic

      People often decide based on feelings and then justify with logic afterwards. Logic supports our emotions and is used to justify our decisions, but we usually apply logic only after we’ve made our emotional decisions.

      This is why purely analytical goal-setting often leads to perfect plans that never get executed. Does this sound familiar, my fellow wannapreneurs?

      When Logic Becomes the Enemy

      Here’s the more insidious problem with pure logic: a rational brain can rationalize anything.

      Imagine that you set a logical goal and have good reasons for it. Everything makes sense. And then life throws you a curveball – some unexpected challenge or competing priority. And your rational brain, the same one that built the original argument, now builds an equally logical argument for why you should abandon or modify the goal.

      • “Given these new circumstances, it no longer makes logical sense to pursue this.”
      • “The cost-benefit analysis has changed.”
      • “This goal was based on assumptions that are no longer valid.”

      The logic sounds completely reasonable. And you abandon the goal, not out of weakness, but out of what feels like rational reassessment.

      I’ve done this countless times. Built an airtight logical case for a goal, then built an equally airtight logical case for abandoning it when things got difficult. Both felt completely justified in the moment.

      This is why some personality types – especially highly analytical people – can struggle with goal achievement despite being intelligent and capable. The same analytical capacity that sets goals can dismantle them.

      Without emotional grounding, logic becomes unstable. It can justify anything depending on current circumstances and mood.

      The Two-Way Reinforcement System

      When Emotion and Logic Support Each Other

      So if emotion alone fades and logic alone is cold, what works?

      The answer is both, working together in two-way reinforcement. The emotion provides the spark that initiates action. The logic provides the fuel that sustains it after the initial excitement wears off. They reinforce each other, creating something more stable than either alone.

      Let’s say someone has a health scare – maybe chest pains or a concerning diagnosis. That’s pure emotion: fear, urgency, the visceral realization of mortality. This emotional shock can create immediate behavior change. They start exercising, change their diet, take health seriously.

      But if they rely only on that fear, it will fade. The human brain is terrible at maintaining fear of abstract future consequences. After a few months, the emotional intensity decreases, and old patterns creep back.

      Now add the rational component: a detailed understanding of how cardiovascular health works, the statistical risk reduction from specific behaviors, the logical plan for sustainable diet and exercise. This rational structure provides something to fall back on when the emotional fear fades.

      The rational understanding can reactivate the emotional concern when needed. Looking at the data reminds you why this matters. And the emotional concern makes the rational plan feel important rather than arbitrary.

      They reinforce each other. Two-way flow.

      This is what neuroscience research on decision-making suggests: effective long-term decisions engage both cognitive control and affective reward systems. You need both the prefrontal cortex (analytical planning) and the limbic system (emotional drive) working together.

      My Personal Experience: When Both Align

      For me, the strongest motivation I’ve ever experienced has been when both rational and emotional streams aligned perfectly. When I could build a complete logical explanation for why something mattered, and that explanation was backed by genuine emotional resonance.

      This happened with my autonomy goal (which I’ll discuss in depth in the following article). The emotional component: years of feeling constrained by bosses, schedules, other people’s demands. A deep-seated desire for freedom dating back to childhood. The visceral discomfort of having someone else control my time.

      The rational component: a clear understanding of how financial independence, personal branding, and specific career moves would lead to autonomy. Logical chains connecting daily actions to that ultimate goal. A framework explaining why autonomy matters for well-being, creativity, and life satisfaction.

      When both aligned, the goal became unshakeable. Even when emotional energy dipped, I could lean on the logical structure. And when logic felt dry, I could reconnect with the emotional truth underneath. They supported each other.

      This is what you’re aiming for: goals where rational and emotional justification interlock so completely that they become one unified structure.

      Research Support for Combined Motivation

      Studies on self-concordant goals show that the most successful goal pursuit happens when people have both identified regulation (conscious valuing of the goal – rational) and intrinsic motivation (inherent interest and enjoyment – emotional).

      Research in psychology distinguishes between different types of motivation on a continuum. At one end is purely external motivation (doing something only for rewards or to avoid punishment). At the other end is intrinsic motivation (doing something because it’s inherently satisfying).

      But in the middle are several important categories:

      • Introjected regulation: You do it because you’d feel guilty or ashamed if you didn’t (emotional but not healthy)
      • Identified regulation: You do it because you consciously value it and see it as important (rational buy-in)
      • Integrated regulation: The goal is fully integrated with your sense of self and values (emotional + rational harmony)

      The research consistently shows that identified and integrated regulation – where you both rationally understand and emotionally connect with the goal – produce the best outcomes.

      This is the architecture we’re building. And this is exactly what we will discuss in the next article. So stay tuned for that.

    1. Why Most Goal-Setting Advice Fails (And the Neuroscience-Backed Framework That Actually Works) [Part 2]

      Why Most Goal-Setting Advice Fails (And the Neuroscience-Backed Framework That Actually Works) [Part 2]

      This is the continuation of my previous article, where we started to discover the concept of goal setting from various angles, because it’s not as easy as it might seem. We all know what goals are for; we use them, but a lot of times they just don’t work. So in this series of articles, I’m trying to extract my thought process around goals and how I approach them. The beginning of that is here, read it first: https://anticodeguy.com/articles/why-most-goal-setting-advice-fails-and-the-neuroscience-backed-framework-that-actually-works-part-1/.

      The Flow State of Goal Pursuit

      Let’s examine what goals actually do and why we’re even analyzing all of this. Because again, goals are this thing everyone talks about, but they don’t quite explain what they’re for. They say, if you don’t have a goal, there’s no point doing anything. But actually, that’s not true. However, a goal is something that very effectively sets the direction of movement.

      What’s its meaning? Its meaning is that if you have this picture that you see before you, that you imagine, that you’ve rationalized for yourself emotionally or logically or both ways – for you this becomes the answer to the question: why am I doing exactly these actions and not others? Why am I acting exactly this way and not otherwise?

      That is, a goal is such a guiding star or lighthouse that allows you to direct your actions one way or another. What does this mean?

      When you make decisions – remember the decision-making system, even at this lowest level – the everyday decisions we make, say, when deciding what to eat for breakfast. If you don’t have a goal related to what food you put in your body, then it’ll be whatever’s in the fridge and what I can, for example, cook, what I can make faster or according to my desire.

      If you have this picture about exercising, about an athletic figure, then breakfast will contain, for example, a large amount of protein, won’t contain carbs, or whatever else athletes do – I’m not an expert in this, if this is familiar to you, you know better than me.

      Goals Direct Decisions

      That is, this decision will be backed by that very vision you have, or that very goal. And here’s where that same aspect surfaces again – if this goal is real, authentic, constantly spinning in your background, then the decisions you make will be reinforced from this point of view by it. Or if not, if this goal isn’t important to you, if it doesn’t come to the forefront, then your brain will make a decision to go the path of least resistance – what’s simpler, what’s faster, what’s safer from the brain’s point of view.

      Because the brain always strives for safety – it’s its natural evolutionary instinctive function, and staying in the comfort zone is instinctively safe, so this will be striving number one.

      According to goal-setting theory developed by Edwin Locke and Gary Latham, specific, challenging goals direct attention and effort toward goal-relevant activities. Essentially, a salient goal filters your choices. In their research spanning 35 years with more than 40,000 participants across eight countries, they found that specific, difficult goals consistently outperform vague “do your best” instructions, with effect sizes ranging from d = 0.42 to 0.80.

      That’s a dramatic difference in performance and achievement.

      Goals as Automatic Decision Filters

      And correspondingly, all actions that lead to violation of this comfort zone, where it’s unsafe for it to be, will be rejected if you don’t have this reinforcement that allows you to pull the blanket to your side. This is what a goal actually is. For a very long time I lacked this explanation, because for me a goal was some kind of thing I wrote on paper and then forgot about.

      If it doesn’t have this internal reinforcement using those aspects of the brain that can actually influence my behavior, then this goal is absolutely useless – it really just appears as an inscription on a piece of paper.

      Now, why is it important to write it down or not write it down – actually here it’s just a technique that helps you explain it one way or another. Because I noticed that for me, for example, writing down the goal doesn’t really work that much, and what works is the deep explanation and rationalization of the reason.

      That if I understand why I’m doing this emotionally and rationally, then I don’t necessarily need to write it down – I already have this deposited deep in my brain’s subcortex, and I won’t need to invent justifications for my actions. I already have this understanding of why I’m doing it and how I need to direct my actions.

      Know How You Think

      But this very strongly depends on how your thinking is structured, because for someone it depends on what state your brain is in, your thinking is in. Because if, say, it’s very heavily packed with many layers of other things that don’t allow you to remember in time, for example in the moment, that you have some big guiding star, or something blocks your vision, obscures it with such fog or makes it blurry – then naturally this will lead to this layering outweighing your goal, it won’t be visible to you. You need to wipe this windshield that’s now covered with snow or flooded with water that just blocks all visibility.

      And for many people, very useful tools are precisely such things as writing down the goal and, for example, visualizing it. That is, building a picture, for example a mood board or vision board – a board of your vision that shows various aspects of, for example, your goal that was set, and basically reflects that very target vision.

      But the writing works because it forces articulation. It makes you clarify your “why” and your “what.” For people whose brains are cluttered with competing priorities, external reminders serve a critical function. For people like me whose rational chains stay firmly embedded, writing becomes optional – though still potentially useful.

      The point is this: find the method that keeps your authentic goal active in your decision-making process.

      • For some that’s daily journal review.
      • For others it’s visual reminders.
      • For still others it’s a robust logical framework that needs no external prompting.

      There’s no universal approach. The only requirement is that your method keeps the goal from being buried under the mental noise of daily life.

      The Foundation Is Everything

      Let me bring this back to where we started (with the previous article). Goals feel artificial and synthetic when they lack foundation. And that foundation consists of three elements:

      1. Psychological readiness. The genuine desire to change combined with the willingness to question your current state. Without both, goal-setting is intellectual masturbation – interesting to think about but pointless.
      2. Authentic motivation. The goal must be genuinely yours, connected to your actual internal drivers (health, wealth, relationships, happiness, spirituality), not borrowed from someone else’s highlight reel. As the West Point study showed, external motivations not only fail to help – they can actively undermine your internal drive.
      3. Internalization through your cognitive style. Whether through emotional anchoring, rational chains, visual reminders, or some combination – you must process the goal in a way that makes it feel inevitable and obvious to your particular brain.

      When all three elements align, goal-setting stops being a forced exercise and becomes almost automatic. The goal flows naturally from your justified need. Writing it down becomes optional because you already have deep understanding of why you’re pursuing it.

      And this is when goals actually start working. Not because you’re using the right productivity app or the perfect vision board template. But because the goal is authentically yours, backed by both readiness and rationalization, processed in a way your specific brain accepts.

      Most goal-setting advice skips straight to tactics – SMART goals, tracking systems, accountability partners. All of that can be useful. But without the foundation, it’s just sophisticated procrastination. You’re building a house on sand.

      black-and-white portrait of psychologist Edward Deci, whose research underpins intrinsic motivation in goal setting

      As Edward Deci put it:

      “A deep personal desire to change must come first. Then perhaps, a technique can give a little help”.

      What Comes Next

      We’ve established the foundation – the prerequisites, the authenticity requirement, the internalization process. You now understand why most goals fail before they even begin. They lack psychological readiness, they’re borrowed rather than authentic, or they’re never properly internalized through the person’s natural cognitive style.

      But here’s where it gets interesting.

      Even authentic goals need architecture. They need both rational justification AND emotional power. Emotion alone fades when the initial spike wears off. Logic alone feels sterile and fails to activate approach motivation. You need both, working together, creating that two-way reinforcement.

      In the next article, we’ll explore why emotion-driven goals collapse after the initial excitement wears off. Why purely logical goals get rationalized away when things get difficult. And how to build the motivation architecture that combines both into something unstoppable.

      We’ll examine the neuroscience of how dopamine actually works in goal pursuit (hint: it’s not what most people think). We’ll look at why some personality types need completely different approaches to rationalization. And I’ll share the specific process I use to build logical chains so robust that my analytical brain can’t find excuses to quit.

      The foundation you’ve built here is critical. But foundation alone doesn’t build the house. That comes next.

    2. Why Most Goal-Setting Advice Fails (And the Neuroscience-Backed Framework That Actually Works) [Part 1]

      Why Most Goal-Setting Advice Fails (And the Neuroscience-Backed Framework That Actually Works) [Part 1]

      Part 1: The Foundation Crisis

      The Problem with Goals That Feel Like Lies

      Goals. Every productivity guru, every self-development course, every piece of advice about improving your life – they all start with one thing. The end goal. What you’re working toward. What all your actions should be directed at. Why you’re doing what you’re about to do to improve yourself.

      And everywhere you look, the internet is packed with this stuff. Anyone even remotely interested in self-development knows the drill. Write down your goals. Make them SMART. Visualize your success. Track your progress.

      But here’s my problem with all of it.

      Whenever I set a goal following this standard advice, it always felt artificial. Unnatural. Like some synthetic concept I invented that never really worked because I didn’t feel any internal response to it. I was just checking a box. Okay, fine, I set a goal. I wrote it down like you taught me. Now what?

      I’ve never liked standard approaches to anything, mostly because I’ve noticed they don’t work. My brain thinks rationally, constantly inventing excuses for why any particular method won’t work for me. So for every aspect of life, I need to create my own system – one backed by my own explanation, my own rationalization of why I’m doing things this way and not another.

      Goal-setting is no exception.

      And only now, as I started creating content and sharing it, did I begin to properly formulate these principles for myself. I’m sharing them with you because if they help me, maybe they’ll help you rationalize these concepts for yourself too.

      Prerequisites

      Acknowledge The Fact

      To even begin changing anything in your life, you need to be motivated somehow. You need, first of all, to ask yourself a question: why is this happening this way and not differently? And the follow-up question: how can I do something differently, how can I fix this?

      And if that question isn’t backed by a desire to change, it’s completely pointless. Without that desire, you can ask the question as much as you want, but it’ll be rhetorical.

      Let me give you an example. Someone wants to lose weight. How does this happen? They see a picture in the mirror or a number on the scale they don’t like, they see they have excess weight, they realize it and ask themselves: why do I look like this and not like an athletic person, not like a Greek Apollo?

      Many people stop right there. They do nothing about it and continue their life in the same way, changing nothing.

      You know these people. The constant complainers. They’re always complaining about what’s happening to them but doing nothing about it. Their entire life happens in a mode of constant complaints about life, about this or that aspect of life that seems simple and obvious to someone with a different perspective. If you don’t want this in your life, okay, change it. Change something you have the leverage to control, and you can change that aspect that doesn’t suit you.

      But the ability to ask those questions alone isn’t enough here.

      Desire To Change

      The second prerequisite you need is precisely the desire and readiness for change. Okay, I see my body and my weight on the scale, and I understand that I’m ready to change, I want to do this. What is this desire? It’s some internal reason – usually different for each person – but directed at one of the key needs.

      According to research on behavioral change, this is what’s called psychological readiness. The Transtheoretical Model of Change, developed by Prochaska and DiClemente, identifies specific stages:

      1. Pre-contemplation (not ready),
      2. Contemplation (getting ready),
      3. Preparation (ready),
      4. Action, and Maintenance.

      If someone is in the “not ready” stage – not truly dissatisfied or not believing change is needed – then forcing goal-setting is likely to fizzle out.

      The statistics back this up. Approximately 91% of people don’t succeed with their New Year’s resolutions. According to a 2016 study, of the 41% of Americans who make resolutions, only 9% felt successful at year’s end. About 80% of resolutions fail by February.

      Why? Because they skipped the prerequisites. They set goals without genuine desire to change and without questioning their current state.

      Everyone Has A Different Reason Why

      Everyone justifies the need for these changes differently. This is an individual case, but the point is that a person finds an explanation for themselves in one of these eternal aspects of human needs. Either health, or wealth, or relationships, or happiness, or spirituality.

      For instance, someone can’t start a relationship because the opposite sex considers them unattractive. But honestly, that’s rarely the actual reason. Usually it’s an internal feeling of insecurity that arises because you know you have, say, an unattractive body, and therefore you’re not charismatic enough to approach a girl or guy, start a conversation with them, or attract their attention.

      For some people this becomes important. For some it plays the role of actual trauma. Maybe it comes from childhood, maybe it’s something more current, but that’s not the point. Maybe someone was teased in school, and this grew into trauma that then pursues a person through life until they either change or work with their psyche somehow (which is also change, just from a mental rather than physical perspective).

      Insecurity From Within

      Or take another person who might think that if they don’t have a beautiful, attractive body, opportunities are closed to them. And in most cases this is actually true. Look at the circle of young millionaires, businesspeople, entrepreneurs today – healthy lifestyle, sports, taking care of yourself, all these things are valued. If you end up in such a crowd, in such society, you’ll feel uncomfortable if you have excess weight where everyone is slim, toned, beautiful, with healthy skin, looking good – and you’re there with your excess weight and unattractive appearance.

      This will work against you just like psychological insecurity – or rather, it will become its cause. Because of this you’ll feel less charismatic and like someone who’ll ultimately get fewer opportunities, because few people will want to build dialogue with you or make a deal. These opportunities are precisely opportunities to, for example, get rich, make a profitable deal or partnership, and so on.

      No Tech Will Work Without It

      I think the picture is clear. You can continue like this for each of these aspects, and in most cases it’s not just one – it’s their combination. That reason or combination of reasons that exists and fills you from the inside. This question is key: why and what for do I need to change?

      For some people this happens consciously – they really understand that this is one of the reasons, and if I change, something in my life will change, including in this direction. For this you probably need another aspect of awareness, which might also make sense to add to the decision-making system map. This is self-awareness. It’s probably even first, above questions and awareness.

      black-and-white portrait of psychologist Edward Deci, whose research underpins intrinsic motivation in goal setting

      As psychologist Edward Deci noted:

      “There are no techniques that will motivate people. Motivation must come from within, not from techniques. It comes from people deciding they are ready to take responsibility for themselves”.

      Without personally important reasons, no goal-setting technique will stick.

      This is how this internal motivational package forms, which allows you to explain to yourself or rationalize for yourself the necessity of changes.

      When Goals Aren’t Really Yours

      Internal Mobile Motivator

      When the necessity of changes is internally justified – let’s say it has a reason, this strict “why,” and then a clear explanation of why a person wants to change and why they can’t remain in the same place where they were before – everything becomes much simpler. And the goal starts to flow from this in a natural way.

      That is, setting a goal in the case of having such an internal mobile motivator is already just a formality. Okay, if I can explain to myself and internally arrange it like this, for what I need to do this, then here you go, my goal – for instance, it consists of me losing weight. What happens next?

      If a person has such a goal, then their further actions are very easily directed toward achieving this goal. How does this happen? You start, for example, going to the gym. And if you have this goal before your eyes, this healthy body without excess weight or the figure of Apollo, then it won’t even be a question for you whether you want to go to the gym today or maybe it’s better to sit on the couch and eat pizza. You won’t even have such a question.

      Borrowed Goals Die

      But here’s what I’ve noticed in my life – this generally only happens when the goal is authentic, internal, real. That is, one that comes directly from inside. One that’s called internal motivation.

      Or it’s a goal that you, for example, spotted somewhere in someone else, but it’s not yours. Again, you might have exactly the same goal, but here’s my personal problem – if I see or read or hear about some other person’s goal, I often like it, I want to have such a goal myself. But since my brain is trained to constantly ask the question “why and what for and is this even necessary to do?” – it understands that this is someone else’s goal, and the natural question that arises in the brain is: do you need this goal, because it’s not yours. And that’s it, basically. No other justifications, even if I try to invent them and layer them on top, won’t work anyway.

      This is where the science becomes fascinating. Research on what’s called “self-concordant goals” – goals that are consistent with your genuine interests and values – shows they’re dramatically more likely to be achieved than goals adopted from external pressure or imitation.

      The West Point Study: When External Motivation Backfires

      One of the most compelling studies on this comes from the U.S. Military Academy at West Point. Researchers conducted a longitudinal study examining why cadets joined West Point and how that related to their success. Cadets join for different reasons – some feel a calling to lead and serve (intrinsic motivation), others are drawn by a free education or prestige (extrinsic motivation), and some have both motives.

      West Point cadets with intrinsic motivation for goal setting

      The findings were remarkable.

      Cadets with strong internal motives were more likely to graduate, become officers, and receive early promotions than those motivated primarily by external factors. They were about 20% more likely to succeed in their careers.

      But cadets who had both internal and external motivations actually fared worse in their career outcomes than those with pure internal motivation. External rewards seemed to undermine the effect of internal drive.

      This aligns perfectly with Self-Determination Theory, developed by psychologists Edward Deci and Richard Ryan. They’ve found that when people focus on extrinsic goals like money or fame, it correlates with lower well-being – higher anxiety and depression. Meanwhile, prioritizing intrinsic goals like personal growth, relationships, and contribution predicts greater vitality and mental health.

      In other words, pursuing self-chosen goals that resonate with your core values tends to yield more success and satisfaction than chasing goals imposed by others or by societal pressure. Even business authors warn about this. As one put it:

      “Life is short. Don’t make the mistake of chasing someone else’s dreams”.

      The framework’s emphasis on authentic internal goals is well-founded in research. Your brain literally won’t let you pursue a goal that isn’t genuinely yours – at least not with any sustained motivation.

      Making Goals Your Own

      So it’s important to understand before this moment that in this case you need to act differently. For example, for me this approach works, which I’m now describing – to rationalize for myself precisely the identification of this reason somehow. I need to articulate it for myself, I need to build some chain of logical reasoning that ultimately leads to me needing this goal, in such a way that it turns out to be at minimum my own, not someone else’s.

      And this already leads to me being able to use this goal without qualms, and my brain stops, for example, telling me that this isn’t your goal and you don’t need it. No, this all goes into the background, and I start perceiving this goal as my own.

      Here, naturally, you need to understand quite deeply how your psyche works, how your thinking operates. Because mine, for example, is always geared toward rationalization – I need a logical explanation for why it’s this way and not otherwise, every time. And emotional switches, for example, work poorly for me. If it’s backed by emotions for me, then usually when that emotional moment passes, I immediately forget that it happened.

      Find Your Own Reasoning

      Well, unless it’s some strongly traumatic event that’s then also reinforced by rationalization from this logical thinking side. In that case, it works in two directions, and here two flows – rational and emotional – reinforce each other. And for me this is the strongest rationalization. And, for example, setting goals for things that live in me, I don’t know, as some kind of trauma that’s connected to the emotional side of the question, and it’s also reinforced by the rational – I managed to explain to myself why it needs to be exactly this way and not otherwise. This is the strongest, absolutely strongest of possible motivators for me.

      Different brains work differently.

      • For highly analytical people like me, a multi-layered logical chain is essential.
      • For others, a vision board or a sticky note on the fridge might work.
      • For some, an emotional anchor from a powerful experience provides the foundation.

      You must find the method that makes the goal authentically yours. Not because someone told you to want it, or because it sounds good. But because you’ve internalized it through your unique cognitive process.

      And this takes time. It can take weeks or months of reflection, writing, questioning, and refining. There’s no shortcut here. The goal must survive your brain’s attempts to reject it as foreign.

      This is only the beginning of our journey into the fog of elusive goals and how to navigate through it. Stick with me, we’ll continue the discussion in new articles.

    3. Crypto: Investing or Gambling And What Assets Can Truly Generate Wealth

      Crypto: Investing or Gambling And What Assets Can Truly Generate Wealth

      Alright, time for the controversial part. The part where some of you are going to get mad at me.

      If you aren’t following the topic, there were two articles that precede the current one, I encourage you to read them first:

      1. The Time-for-Money Trap: Why Business Ownership Is the Only Path for Building Wealth and Financial Freedom
      2. Building Wealth Through Investing: Real Estate and Index Funds

      Okay, ready?

      Cryptocurrency is not investing. It’s gambling.

      I don’t care how many YouTube videos you’ve watched, how many X threads promised you’d “make it,” or how sophisticated the blockchain technology sounds. For the vast majority of people, putting money into crypto is pure speculation at best and getting scammed at worst.

      The fundamental principle of investing is that you’re buying an asset with intrinsic value – something that produces cash flow, earnings, or utility.

      When you buy stock in Apple, you own a piece of a company that makes products, generates revenue, and distributes profits. When you buy real estate, you own property that can be used or rented for income. There’s underlying economic value.

      When you buy a shitcoin, what do you actually own? A string of code that doesn’t produce anything, doesn’t generate cash flow, doesn’t have earnings. Its only value is what the next person is willing to pay you for it.

      That’s called the “greater fool theory” – you’re hoping a greater fool than you will buy it at a higher price.

      What Buffet And Stats Say

      black and white portrait of Warren Buffett representing disciplined wealth-building through business ownership

      Warren Buffett has been brutally clear about this:

      “Cryptocurrencies basically have no value and they don’t produce anything… In terms of value: zero”.

      His longtime partner Charlie Munger has called it “rat poison squared” and even compared it to a “venereal disease”. These aren’t just random old guys yelling at clouds – these are literally the most successful investors in human history.

      But forget their opinions. Let’s look at the data.

      A 2022 study by the Bank for International Settlements analyzed global crypto exchange data and found that 73-81% of retail cryptocurrency investors lost money.

      Read that again: three-quarters of people who bought crypto ended up with less money than they started with.

      The pattern is predictable: prices surge, media hype builds, new users jump in late to the rally, then the crash comes, and the majority are left holding massive losses.

      Another study found that three-quarters of Bitcoin purchasers worldwide have not made a profit. Despite all the hype, most people who bought Bitcoin are underwater.

      Let’s Look At The Examples

      But wait, what about the people who made millions? Yes, some people did. Just like some people win at the casino. But for every winner, there are multiple losers – because crypto is a zero-sum game (actually negative-sum when you factor in exchange fees and energy costs).

      Let me tell you a composite story that represents thousands of real experiences:

      “Bitcoin Bob” is a tech-savvy 30-something who sees Bitcoin hitting $60,000+ in late 2021. Everyone’s talking about crypto gains. His friend bought a new car with Ethereum profits. Hello FOMO!

      Bob puts $50,000 of his savings into various cryptocurrencies. Initially, his portfolio jumps to $75,000. He feels like a genius. He’s calculating when he’ll become a millionaire.

      Then 2022 hits: Bitcoin crashes over 70% from its peak. Most altcoins drop 90%. Some platforms where he held crypto freeze withdrawals – Celsius and Voyager go bankrupt. His $75,000 is now worth $20,000.

      Panicked, he sells to cut his losses. He’s effectively gambled away $30,000 of his savings.

      This happened to tens of thousands of people.

      Compare Bob to “Lucky Lucy” – she bought Dogecoin as a joke with $1,000. It skyrocketed 100x during an Elon Musk-fueled mania. She cashed out $100,000.

      Lucy got lucky. That’s it. Her success wasn’t based on analysis, fundamental value, or any repeatable strategy. It was pure timing and luck – like winning a hand at the casino.

      If Lucy keeps “investing” in hype coins, eventually she’ll lose. The house always wins in gambling.

      Does It Hold Any Value?

      Christine Lagarde, president of the European Central Bank, warned in 2022 that crypto assets are “based on nothing” and “worth nothing” in terms of intrinsic value, telling people to be prepared to lose all the money they invest.

      Here’s the philosophical problem I have with calling crypto “investing”: you have no certain knowledge that any particular coin will go up. If it goes 10x today, it could crash to zero tomorrow. There’s no rational basis for valuation because there are no earnings, no cash flows, no fundamental metrics to analyze.

      With the S&P 500, you can reasonably expect that over 10-20 years, the economy will likely grow, companies will generate profits, and your investment will probably increase in value. With real estate, you can analyze rental markets, local development, property conditions.

      With crypto prices move on sentiment, tweets, momentum, and manipulation. It’s not investing based on fundamentals – it’s speculation based on hoping you can sell to someone else for more.

      Be Aware Of Fraud

      The crypto world has also been plagued by outright fraud: the Mt. Gox collapse in 2014, the FTX implosion in 2022 where billions disappeared, countless pump-and-dump schemes on small tokens.

      I know someone’s going to argue “but blockchain technology is revolutionary” or “Bitcoin is digital gold.” Maybe. Time will tell. But that doesn’t mean it’s a good investment right now for regular people.

      Even if blockchain transforms finance someday, that doesn’t mean any current cryptocurrency will be the winner. Betting on crypto is like investing in internet companies in 1999 – sure, the internet was revolutionary, but most of those companies went to zero.

      Look, if you want to gamble 1-5% of your portfolio on crypto for fun, fine. Treat it like a lottery ticket. But don’t confuse it with investing, and don’t bet money you can’t afford to lose completely.

      The uncomfortable truth is that crypto has become a wealth transfer mechanism from late adopters to early adopters, from retail investors to exchanges and whales, from the hopeful to the ruthless.

      The Two Ingredients Your Money Needs to Multiply

      Let’s bring this back to the fundamentals of real investing.

      Whether you’re talking about index funds or real estate (read the previous article for details), legitimate investing requires two essential ingredients: capital and time.

      Capital is obvious – you need money to invest. You can’t buy property or stocks with empty pockets.

      But the amount of capital matters enormously.

      If you invest $1 in the S&P 500 earning 5% annually, that’s 5 cents per year. Completely meaningless. Even after 50 years of compounding, it won’t materially change your life.

      But if you invest $1 million at 5% annually, that’s $50,000 per year. That’s a livable income. You could live on just the dividends without ever touching the principal.

      Charlie Munger, Warren Buffett’s business partner, famously said you need to earn your first $100,000 – then your first million – “any way you can,” because after that, investing becomes a completely different game.

      Why? Because once you have substantial capital, you have access to real assets:

      • Commercial real estate that generates serious cash flow
      • Enough stock holdings that your dividends actually matter
      • The ability to diversify meaningfully across asset classes
      • Financial cushion to ride out market volatility without panic-selling

      This is why I emphasized in the first article that business is how you build that initial million. You need entrepreneurship and business ownership to accumulate the capital. Then you use investing to multiply and protect it.

      For me personally, earning my first million is my main focus right now. Once I hit that milestone, investing becomes a different game entirely – one where compound returns actually move the needle on my life.

      Useful Resources

      If you’re interested in business models and startup ideas to build that first million, I highly recommend the podcast “My First Million”. It’s the best business podcast out there – I’ve listened to every episode from beginning to current. They break down different business models and ideas that regular people have used to hit seven figures.

      The FIRE (Financial Independence, Retire Early) movement has popularized this concept: earn aggressively through work or business, save an extremely high percentage of your income (often 50-70%), invest it consistently, and reach financial independence much faster than traditional retirement timelines.

      For example, the Johnsons (a composite of many real FIRE stories): a dual-income couple in their 30s making a combined $120,000. Instead of lifestyle inflation, they keep expenses low and save 50% of their income. They invest heavily in index funds and buy a couple of rental properties.

      By age 45, through consistent investing and compound returns, their portfolio (including home equity, retirement accounts, and rentals) grows to around $1.5 million. Using the “4% safe withdrawal rule,” that’s $60,000 per year – enough to cover their frugal living expenses.

      They quit their jobs. Not to sit on a beach forever necessarily, but because they no longer need to work for money. They have the freedom to pursue passion projects, spend time with family, volunteer, or just choose how to spend their days.

      They traded consumption in their 20s and 30s (smaller home, older cars, fewer fancy dinners) for total time freedom in their 40s onward.

      That’s the power of combining business/career income with disciplined investing over time.

      But again: you need both ingredients. Capital without time doesn’t compound enough. Time without sufficient capital doesn’t generate meaningful returns.

      Patience is absolutely essential. Anyone promising 1000% returns quickly is selling you gambling or fraud, not investing.

      Freedom Isn’t Just Money – It’s Buying Back Your Time

      Let me wrap this up by bringing everything together.

      Real wealth isn’t about having fancy things or impressive bank account numbers. Real wealth is control over your time.

      high-contrast black-and-white portrait of Morgan Housel referenced in the article within the theme of building wealth through investing

      Morgan Housel, author of “The Psychology of Money,” nailed it:

      “The highest form of wealth is the ability to wake up every morning and say, ‘I can do whatever I want today’”.

      That’s what all of this is actually about. That’s why we’re talking about business ownership and investing in the first place.

      The progression looks like this:

      1. Business builds your initial capital (that first hundred thousand, then first million)
      2. Investing multiplies that capital and generates “passive” income
      3. When “passive” income exceeds your expenses, you achieve financial independence
      4. Financial independence means you’ve bought back your time – work becomes optional

      Financial independence doesn’t mean you stop working necessarily. Many people who reach it continue working because they love what they do. The difference is choice.

      If you’re financially free, you might still work hard on something you care about, but it’s on your terms, not because you’ll default on rent without next week’s paycheck.

      Naval Ravikant calls “ownership of your time” the real status symbol. Not the car you drive or the watch you wear, but whether you control your own schedule.

      A 2021 study found that well-being continues to rise with income, but it also showed that time stress diminishes happiness. The study found that people who spend money to save time (like outsourcing chores) report higher life satisfaction than those who have money but no time.

      Another study showed that beyond a certain comfortable income level, additional money has diminishing returns for happiness – but having more control over your schedule increases life satisfaction substantially.

      The Most Valuable Asset Of Yours

      This is why I keep hammering on the time-for-money trap. Your time is literally the most valuable, non-renewable resource you have. Every hour you trade for money is an hour of your life you’ll never get back.

      There’s no single magical path that works for everyone. Some people build businesses, some climb corporate ladders while investing aggressively, some focus on real estate, some do combinations of all three.

      But here’s the common thread among people who achieve financial freedom: they build assets that generate income without requiring their constant effort.

      They don’t rely solely on active income – trading hours for dollars. They create or acquire assets (businesses, stock portfolios, rental properties) that work for them even while they sleep.

      The balanced strategy most self-made wealthy people use:

      1. Earn income (through business or high-value career)
      2. Live significantly below their means
      3. Invest the surplus consistently
      4. Build multiple income streams over time
      5. Eventually passive income exceeds expenses
      6. Time freedom achieved

      One more crucial point: there’s a huge difference between calculated risks and foolish risks.

      • Calculated risks: Starting a well-researched business, investing in diversified index funds, buying rental property in a growing area – these have positive expected value based on historical data and fundamental analysis.
      • Foolish risks: Dumping your savings into a random shitcoin because someone on X said it’ll “moon,” day trading without experience, investing in things you don’t understand – these are gambling.

      Warren Buffett’s first rule of investing: “Never lose money.” His second rule: “Never forget rule number one”.

      That doesn’t mean avoid all risk – it means understand the difference between investing based on fundamentals versus speculation based on hope and hype.

      Choose Your Path

      Remember Ronald Read, the janitor who died with $8 million? He didn’t have a high income, or special insider knowledge, but he just invested consistently in solid companies and waited.

      Remember the crypto investors? 73-81% lost money chasing quick gains.

      One group was patient and disciplined. The other was impatient and speculative.

      Look, I get it. Index funds returning 7% annually sounds boring compared to crypto promising 10x gains. Real estate taking 20-30 years to build serious wealth sounds slow.

      But boring and slow is what actually works. Exciting and fast is usually how you lose everything.

      Your time is the ultimate non-renewable resource. Every year you spend trapped in the time-for-money cycle is a year of your life you’ll never get back.

      But the path exists.

      • Business ownership to build capital.
      • Smart investing to multiply it.
      • Patience to let compound returns work their magic.

      Eventually, passive income exceeds expenses, and you’ve bought back your time.

      No lottery ticket required, no inheritance needed. Just intentional choices, discipline, and patience.

      Stop renting out your time. Start buying it back.

      The S&P 500 has been there for 70 years, quietly compounding at 10% annually. Real estate has created countless millionaires through rental income and appreciation. These aren’t secrets – they’re just not exciting enough for social media.

      But they work. Proven, reliable, boring, and effective.

      Meanwhile, cryptocurrency continues to transfer wealth from the hopeful to the early adopters, from retail investors to exchanges, from those seeking freedom to those already free.

      Choose your path wisely. Your future self is depending on the decisions you make today.

    4. Building Wealth Through Investing: Real Estate and Index Funds

      Building Wealth Through Investing: Real Estate and Index Funds

      In the previous article, I talked about business and how this is the only (legal) way to get to financial freedom. There’s the second one, which is investing. But there’s a caveat: to invest, you need some money first. So there’s no point in discussing investing before we have a tangible sum for that. But let’s be creative and imagine that scenario.

      So, let’s say you’ve built your first chunk of capital through business. Maybe it’s $100,000, maybe it’s $500,000, maybe you’ve hit that magical first million. Congratulations – seriously. You’ve done what most people never will.

      But here’s where most people completely screw up: they have no idea what to do with that money once they have it.

      Some stick it in a savings account earning 0.5% interest while inflation eats away 3-4% of its value every year. Others see some crypto bro on Twitter showing off a Lamborghini and think “that could be me” – then proceed to lose everything chasing the next pump-and-dump scheme.

      Investing vs. Gambling

      There’s a massive difference between investing and gambling, but in today’s world, those lines have been deliberately blurred by scammers who want your money.

      • Real investing has two essential ingredients: capital and time. You put money into assets that have a reasonable expectation of growing in value based on actual economic productivity. Then you wait – years, sometimes decades – while compound returns do their magic.
      • Gambling, on the other hand, is when you put money into something with no intrinsic value, no cash flow, no fundamental basis for valuation, and you just hope that someone else will pay you more for it tomorrow than you paid today.
      black and white portrait of Benjamin Graham representing value investing principles and disciplined wealth creation

      Benjamin Graham, the father of value investing, defined it this way:

      “An investment operation is one which, upon thorough analysis, promises safety of principal and a satisfactory return. Operations not meeting these requirements are speculative”.

      By that definition, here’s the uncomfortable truth: most people who think they’re “investing” are actually just gambling.

      Let me show you what real investing looks like – and what it absolutely doesn’t.

      The Index Fund That Beat 90% of Wall Street Experts

      Let’s start with the simplest, most boring, most reliable wealth-building tool: the S&P 500 index fund.

      The S&P 500 tracks the 500 largest publicly traded companies in the United States. When you invest in an S&P 500 index fund, you’re basically buying a tiny piece of the entire U.S. economy – Apple, Microsoft, Amazon, Tesla, Johnson & Johnson, all of them.

      It’s not sexy. Nobody’s going to brag about their S&P 500 holdings at parties. But here’s what it does: it makes money, consistently, over time.

      Since 1957, when the S&P 500 took its current form, it has delivered an average annual total return of about 10.5%. After adjusting for inflation, that’s roughly 6.7% real growth per year.

      Let me put that in concrete terms so you understand what compound returns actually mean:

      If you had invested $100 in the S&P 500 in 1957, by 2025 it would have grown to over $96,000 in nominal terms – that’s about $8,300 in inflation-adjusted purchasing power.

      That’s not from trading, picking hot stocks, or any genius moves. Just buying the index and holding it through every crash, every recession, every bear market, every moment of panic.

      Now: the stock market isn’t a straight line up. There have been drops – the 2008 financial crisis saw declines of over 50% in some cases. The 2020 COVID crash happened so fast it made people’s heads spin.

      But every single decline has been followed by a recovery to new highs, given enough time.

      This is why time is the second essential ingredient for investing. You need the patience to ride out the volatility. If you “invested” money you need next month into the stock market, you’re gambling that it won’t crash before you need the cash.

      Let’s Do Some Public Math

      Warren Buffett, who is worth about $160 billion and is widely considered one of the greatest investors ever, has repeatedly said that for most people, an S&P 500 index fund is the best investment.

      He even made a public bet in 2007: he wagered that an S&P 500 index fund would outperform a selection of hedge funds over 10 years. The hedge funds had all the fancy strategies, the expert managers, the complicated algorithms. The index fund won by a huge margin.

      Here’s another mind-blowing stat: over any given 15-year period, over 90% of actively managed stock mutual funds underperform the S&P 500 index after fees.

      Think about that. Professional fund managers, with teams of analysts and millions of dollars in research budgets, can’t beat the simple strategy of “buy everything and hold it.”

      black and white portrait of Jack Bogle symbolizing long-term wealth building through index funds

      Jack Bogle, the guy who popularized the index fund, said:

      “The stock market is a device for transferring money from the impatient to the patient”.

      But you need time. Compounding a 5-10% annual return doesn’t change your life overnight.

      If you invest $1,000 and it grows at 8% annually:

      • After 10 years: $2,160 (decent, not life-changing)
      • After 30 years: $10,000 (now we’re talking)
      • After 50 years: $46,000 (substantial wealth from one initial investment)

      This is why index fund investing works best as a long-term wealth builder, not a get-rich-quick scheme. You’re literally investing in the productive capacity of the entire economy and collecting your share of that growth.

      The key principle: your investment return must exceed inflation, or you’re losing money in real terms. The S&P 500 has cleared that hurdle with room to spare for seven decades.

      How a Vermont Janitor Died Wealthier Than Most Doctors

      Let me tell you a story about Ronald Read.

      Ronald worked as a gas station attendant and later as a janitor in Vermont. Not glamorous jobs. Not high-paying. He lived in a modest house, drove an old car, wore the same jacket for years.

      black and white portrait of Ronald Read representing how compound returns build wealth over decades

      When he died at age 92, people in his town were shocked to discover he had accumulated an $8 million portfolio.

      How did a janitor become a multimillionaire?

      He bought shares in solid, dividend-paying companies – blue-chip stocks that you’ve heard of, held them for decades, and reinvested the dividends, while lived below his means so he could keep buying more shares. And he waited.

      That’s it. No secret formula, insider information, or complicated trading strategies.

      Just patience, discipline, and the power of compound returns over time.

      There Was a Secretary

      There’s a similar story about Grace Groner, a secretary who in 1935 invested $180 in shares of Abbott Labs (her employer). She held that investment, reinvested dividends, and never sold. When she died in 2010, that initial $180 had grown to $7 million.

      black and white portrait of Grace Groner representing wealth achieved through patient, long-term investing

      These aren’t isolated cases. A 2019 study by Ramsey Solutions found that many millionaires were engineers, accountants, teachers, and other steady professions – not hedge fund managers or tech entrepreneurs. They built wealth through consistent saving and disciplined investing over decades.

      The common thread between them is that they became investors while remaining employees. They didn’t rely solely on their salary – they made their money work for them in the markets.

      They also shared another critical trait: they kept their expenses modest, didn’t upgrade to a bigger house every time they got a raise, didn’t buy new cars every few years, didn’t try to look rich – they actually became rich by investing the difference.

      Compare these real stories to the crypto traders who made millions in 2021 buying Lamborghinis and luxury watches, only to lose it all in the 2022 crash. One group was investing based on economic fundamentals and patience. The other was gambling on momentum and hype.

      Real Estate: The 90% Solution Nobody Talks About

      Here’s a stat that should make you pay attention: approximately 95% of U.S. millionaires own real estate – either their primary home or investment properties – and nearly half own investment real estate or land.

      black and white portrait of Andrew Carnegie symbolizing wealth through real estate ownership

      Andrew Carnegie, one of the richest industrialists in history, once said:

      “90% of millionaires become so through owning real estate”.

      So why is real estate such a powerful wealth-builder?

      The model is actually pretty straightforward: you buy property (residential or commercial), you rent it out for monthly income, and over time the property value appreciates. You’re getting two returns – rental yield (like a dividend) plus property value growth.

      Historically, housing prices in the U.S. have increased at about 4-5% annually in nominal terms – roughly 1-2% above inflation on average. Not as high as stocks, but more stable with less volatility.

      But here’s where real estate gets really interesting: leverage.

      When you buy stocks, you typically pay cash for the full amount. But with real estate, you can put down 20% and borrow the rest with a mortgage. If the property value goes up, you earn appreciation on the full value, not just your down payment.

      Let me make this concrete:

      You buy a $500,000 property with $100,000 down (20%) and a $400,000 mortgage. Your tenants pay rent that covers your mortgage payment, property taxes, and maintenance. After 20 years, the property is worth $800,000 and the mortgage is paid off.

      You invested $100,000 initially (plus costs over time, sure), but you now own an $800,000 asset. The tenants essentially paid off your mortgage for you while you built equity.

      This is the time-tested formula that has created millions of ordinary millionaires: buy rental properties, hold them for 20-30 years, let rents and appreciation do the work, end up owning valuable assets outright.

      Real Examples of Real Estate Wealth

      Carl and Mindy Jensen used a strategy called “live-in flips.” They’d buy houses that needed work, live in them for a couple of years while fixing them up, then sell for a profit – taking advantage of a U.S. tax law that exempts capital gains on primary residences up to $500,000 for couples. They repeated this multiple times, rolling profits into the next property, and built significant wealth relatively quickly.

      Ryan Pineda started by flipping couches for small profits, then flipped his first house with a $25,000 gain. He rapidly scaled to flipping dozens of homes per year, turning those profits into a multi-million dollar real estate portfolio by his late twenties.

      Even more common: the schoolteacher and postal worker couple who buy a duplex, live in one unit, rent out the other (house hacking). After a few years, they use savings and equity to buy another rental. They repeat this a few times over 30 years. By retirement, their properties are paid off, have quadrupled in value, and produce steady passive income.

      These aren’t billionaires of course. But these are regular people who understood real estate’s wealth-building power.

      Fly In The Ointment

      Now, I’m not going to pretend real estate is perfect. The 2008 housing crash proved that property values can decline. Properties come with costs: maintenance, property taxes, insurance, potential vacancy periods, and they’re not liquid – you can’t sell half a house if you need cash quickly.

      It’s also more hands-on than buying an index fund. You’re dealing with tenants, repairs, property management. Unless you hire a property manager, which eats into your returns.

      And of course the real estate market conditions vary from country to country.

      But here’s why many people gravitate toward real estate: it’s tangible. You can see it, touch it, drive by it. It feels more “real” than numbers on a brokerage statement. And historically, it generally appreciates over time while providing cash flow along the way.

      Real estate also serves as an inflation hedge – when prices in general rise, rents and property values tend to rise too. Your mortgage payment stays fixed while your rental income increases.

      For passive investors who don’t want to manage properties directly, there are REITs (Real Estate Investment Trusts) – basically mutual funds for real estate that you can buy like stocks.

      The bottom line: real estate is a proven, legitimate wealth-building asset class. It requires more capital upfront than stock investing, more active management, and isn’t as liquid. But for those willing to learn the game, it’s created more millionaires than probably any other asset class.

      To Be Continued

      The last part I want to talk about is crypto and my relationships with it. And also I talked about two ingredients of successful investing: money and time, so I want to expand on that topic as well. I gathered a lot of examples from the Internet that will help us be more specific and real. But all that is material for the next article.

      In the meantime let’s quickly recap all we have to say about finding your path to financial freedom. There are two fundamental ways for that: business and investing. Investing requires time and money, which not all of us have at the beginning. But we have to consider this path as soon as we start making any money, because of the compound effect. And for making money we have to build a business, there’s no other way.

      As for me personally, I started some tangible investments while having my last job: all the bonuses I got I invested in some crypto assets and commercial real estate. We will discuss crypto in the next piece, but real estate already brought me dividends after two years of passive waiting. So it’s the first time I can say on my personal example this works.

      As for business, I’m currently providing web-development services for my clients at anticode.net and building my own products: some of them related to my personal brand and I mention them a lot in my writings, and some are yet to be announced, so stay tuned for that.

      And let me know in the comments what type of investing you personally experienced and want to try.

    5. The Time-for-Money Trap: Why Business Ownership Is the Only Path for Building Wealth and Financial Freedom

      The Time-for-Money Trap: Why Business Ownership Is the Only Path for Building Wealth and Financial Freedom

      The Three Doors to Wealth (And Why Two of Them Are Locked)

      There are really only a few ways you can make money in our current economic system. And most of them are complete garbage.

      You can win the lottery. You can be born into a wealthy family where every need is covered before you even think about it. Congratulations if that’s you – seriously, use that advantage. But for the rest of us it’s not that simple. We’re stuck figuring it out ourselves.

      Most people default to the same path without even questioning it: get a job, trade your time for money, work 8-12 hours a day (sometimes more), and hope that somehow, someday, this will lead to freedom and wealth.

      Spoiler: it won’t.

      I’ve said this before and I’ll keep saying it – business ownership is the only viable path I see to real freedom and wealth in today’s world. The math simply doesn’t work any other way.

      According to recent research, approximately 88% of millionaires are business owners. Let that sink in for a second. If you want to join the millionaire club, the overwhelming probability is that you need to own a business, not work for one.

      Here’s an even crazier stat: entrepreneurs make up only about 8.7% of households in the United States, yet they hold roughly 39% of total wealth. Think about that ratio. Less than 9% of people control nearly 40% of the money. That’s not a coincidence.

      black and white portrait of Warren Buffett representing disciplined wealth-building through business ownership

      Warren Buffett, one of the richest humans on the planet, put it:

      “If you don’t find a way to make money while you sleep, you will work until you die”.

      So let’s break down why your job – no matter how good it seems – is probably a cage you don’t even realize you’re in.

      Why Your Paycheck Has a Ceiling (And Your Boss’s Doesn’t)

      Here’s the fundamental problem with employment: you’re exchanging your time for money. Sounds obvious, right? But most people never really think through what this means.

      You have 24 hours in a day. You can realistically work maybe 8-12 of those hours. That’s your absolute ceiling. You literally cannot sell more time than exists.

      Now, let’s say you’re making $25 an hour. You work 40 hours a week. That’s $1,000 per week, roughly $52,000 per year. Want to double that? You have exactly two options:

      1. Work 80 hours a week (good luck maintaining that without destroying your health)
      2. Somehow double your hourly rate, which might take years of promotions, skill development, or job-hopping

      There’s no third option. Your income is fundamentally capped by the hours you can physically work and the rate someone is willing to pay you.

      Compare this to business ownership. If your business doubles its sales, your profit can double – or even more than double if you’ve built good margins. You’re not limited by your personal hours because you’re leveraging other people’s time, other people’s money, and systems that work without you.

      Naval Ravikant portrait symbolizing leverage and transformation to creator career path

      Naval Ravikant, a legendary angel investor, nailed it:

      “You’re not going to get rich renting out your time. You must own equity – a piece of a business – to gain your financial freedom”.

      But here’s what really gets me. When you work a job, you’re not just capped by time. You’re also getting a fraction of the value you create.

      Companies don’t hire people out of charity. They hire you because you generate more value than they pay you. That’s literally how business works. If you bring in $200,000 worth of value to the company, they might pay you $70,000. The rest is the profit that goes to the business owner.

      Business Owners Have More Leverage

      I’m not saying this is evil or wrong – it’s just reality. But you need to understand which side of the equation you’re on.

      Research by finance professor Vincenzo Quadrini found that entrepreneurs don’t just earn more income than employees – they also tend to save and reinvest a much larger fraction of their earnings, which accelerates wealth accumulation even further.

      And let’s talk about taxes for a second. Your salary gets hammered with ordinary income tax – the highest tax rate for most people. Business owners can structure their income as dividends, capital gains, and business expenses, often paying significantly less in taxes on the same amount of money.

      Even the highest-paid employees – specialist physicians making around $230,000 in the US – are making an order of magnitude less than what successful entrepreneurs can earn if their businesses grow. And those doctors are trapped in the same time-for-money cycle. They stop working, the money stops flowing.

      There’s also the autonomy factor that nobody talks about enough. Even if you’re a highly-paid employee, you still have a boss. You still need to show up when they tell you to. You can still get fired. The Kaufman Foundation surveyed entrepreneurs and found that “being your own boss” and “pursuing your own idea” were the top reasons people chose to start businesses.

      Freedom isn’t just about money, but also about controlling your time and decisions.

      You’re Building Someone Else’s Fortune

      Let me make this really concrete for you.

      When you work for a company, you create value. Let’s say you’re a software developer and you build a feature that helps the company close $500,000 in new sales. The company pays you your $100,000 salary. They pocket the remaining $400,000 (minus other costs, sure, but you get the point).

      You worked for that $100,000. The owner made money off your work without doing the actual coding.

      Now flip the equation. What if you owned the business? What if those $400,000 in profits went to you instead?

      This is why the richest person in any company is almost always the owner or major shareholder – not the hardest worker, not the most talented employee. The owner.

      Black-and-white portrait of Robert Kiyosaki representing modern financial freedom and cashflow quadrant ideas

      Robert Kiyosaki, love him or hate him, said something that stuck with me:

      “The poor and the middle class work for money. The rich have money work for them”.

      When you own a business, you’re no longer in the time-for-money trap. You can hire 10 employees, effectively harnessing 10 person-hours for every one hour you work. You can build systems and products that generate income whether you’re at your desk or on a beach.

      An employee working one hour can only leverage that one hour of time. Unless you’re managing a team – but even then, your compensation is still not proportional to the total output of your team. Your boss is taking that cut.

      From Wall Street VP to World’s Richest: The Jeff Bezos Story

      In 1994, Jeff Bezos was a senior vice president at D.E. Shaw, a Wall Street investment firm. This wasn’t some entry-level job – he was making serious money. The kind of salary most people would kill for. Stable income, prestigious position, clear career trajectory.

      And he quit.

      He walked away from that comfortable, high-paying job to start an online bookstore in his garage. People thought he was insane. Why would you leave a VP position to sell books on this new “internet” thing?

      Here’s the thing though – Bezos understood something that most employees never figure out. He understood that his upside was capped at D.E. Shaw. Sure, he might make partner, might get bonuses, might climb to the very top. But he’d always be an employee. His wealth would always be limited by the salary structure and his personal hours worked.

      By starting Amazon, he switched sides of the equation. He went from being the person who makes money for the company to being the person who owns the company.

      Within a few years, Amazon’s success made Bezos one of the richest people on Earth – with a net worth that eventually exceeded $100 billion (and many more today).

      Could he have ever approached that wealth by staying an employee, even a very well-paid one? Absolutely not. Not even close.

      Maybe He Is an Exception?

      This isn’t just a Bezos thing. Look at the Forbes billionaire list – it’s dominated by founders of companies. Tech entrepreneurs, industrialists, people who built businesses. You don’t see many career employees on that list, no matter how high they climbed in someone else’s company.

      Even high-level executives who make millions in salary rarely accumulate the wealth that top entrepreneurs do – unless they have significant equity stakes, which again, is business ownership.

      Ownership of equity scales exponentially. Salaries scale linearly, if they scale at all.

      According to IRS data in the United States, for the top 0.1% of earners, the majority of their income comes from investments and business ownership, not from salaries. Meanwhile, the bottom 90% rely mostly on wages.

      This is the game we’re all playing. Most people just don’t realize they’re playing it on the losing side.

      The Two Types of Business (And Why One Still Traps You)

      Okay, so you’re convinced that business ownership is the path. But here’s where it gets nuanced, and this is something a lot of people miss.

      Not all business ownership is created equal.

      I want to make a distinction here between entrepreneurship and business. Yes, technically any business owner is an entrepreneur. But hear me out, because this difference matters.

      Entrepreneurship

      Entrepreneurship means you’re actively, directly involved in the day-to-day work of your business. You’re still trading your time for money, just in a different package.

      Examples:

      • You’re a freelancer selling your coding skills. You stop coding, you stop making money.
      • You run an agency, but you’re personally managing every client relationship and sale. You take a vacation, sales pipeline dries up.
      • You’re a consultant, and every dollar you earn requires you to show up and deliver the consulting yourself.

      This is better than traditional employment in a lot of ways – you have more freedom from a boss, you control your rates, you choose your clients. But you’re still fundamentally limited by your personal time and energy.

      I know this personally because this is how I’ve operated my web development studio. I sell my system analysis and development skills. Good money, yes. But if I’m not working, the business isn’t generating revenue. That’s entrepreneurship, not business.

      Business

      Business, on the other hand, is a system that works without you. Your participation isn’t required for it to generate income – or at least, your participation is minimal and strategic rather than operational.

      Examples:

      • A software product that customers pay for monthly, and a team handles support
      • Rental properties that generate income whether you’re involved or not
      • A company with a CEO and team running operations while you make quarterly strategic decisions

      The difference is leverage and freedom.

      Paul Graham once pointed out that you can’t get wealthy by “renting out your time” because there’s a cap on what others will pay per hour, and you can’t get rich “while you sleep” unless you break that direct time-income connection.

      This is the difference between residual income and active income. As an employee or active entrepreneur, when you stop working, income stops. There’s usually no residual benefit from past effort – you get paid for the hour or the project, then it’s done.

      But when you own assets – a company that runs systematically, properties that generate rent, products that sell automatically – those continue producing income even when you’re not personally present.

      Naval Ravikant defined wealth perfectly:

      “Wealth is having assets that earn while you sleep. Money is how we transfer time and wealth”.

      By that definition, a salary isn’t wealth – it’s a temporary transfer of your time for money. Real wealth is what keeps generating after you stop working.

      Your First Million Won’t Come From a Timecard

      Let me bring this all together.

      The employment model is fundamentally broken if your goal is wealth and freedom. You’re trading the most valuable non-renewable resource you have – your time – for a capped income that someone else controls.

      Even the best employment situations – six-figure salaries, great benefits, interesting work – still trap you in the time-for-money cycle. You stop showing up, the money stops coming. That’s not freedom, that’s just a nicer-looking cage.

      Business ownership offers something completely different:

      • Scalability: Your income isn’t limited by your hours
      • Leverage: You use other people’s time, skills, and capital
      • Equity growth: The value of what you own can multiply exponentially
      • Autonomy: You make the decisions about your time and direction

      Now, I’m not going to lie to you and say business is risk-free. It’s not. Tons of businesses fail. Plenty of entrepreneurs go bankrupt. The risk is real.

      But here’s the risk-reward calculation that makes sense to me: If you invest $10,000 into starting a business, the worst case is you lose $10,000. In the best case you could make 10x, 100x, or even more. The upside is disproportionately huge compared to the downside.

      Compare that to employment: Your upside is basically capped at your salary plus maybe bonuses. Your downside is job loss, but you’re not risking capital – just your time and opportunity cost.

      Independence Matters

      black and white portrait of Charlie Munger symbolizing wisdom in investing and independence

      Charlie Munger, Warren Buffett’s longtime business partner, put it simply:

      “I did not intend to get rich. I just wanted to get independent”.

      That’s what this is really about. Independence. The ability to wake up and decide how you’ll spend your day based on what matters to you, not what your boss needs from you.

      Can you achieve some level of financial security through a job? Sure. Some people do. They earn good salaries, live below their means, invest the difference, and eventually build wealth. I respect that path.

      But if you want to build serious wealth – the kind that buys back your time, that gives you real freedom – business ownership is the most proven, most reliable path.

      The math is simple: 88% of millionaires own businesses. The wealthiest people in any company are the owners, not the employees. Entrepreneurs holding just 9% of households control 39% of total wealth.

      You can keep trading your time for money, hoping that someday it adds up to freedom. Or you can flip the equation and start building something that generates value beyond your personal hours.

      Beyond The Business Side

      Building your first million through business is just the beginning. Because once you have capital, a whole new game opens up – one where your money works for you instead of you working for money.

      That’s where investing comes in. Real investing, not gambling. The difference between putting your money into assets that compound over decades versus throwing it at speculative bets that evaporate overnight.

      In the next article, we’ll break down the three main paths for making your money multiply:

      1. index funds like the S&P 500 that have returned 10% annually for 70 years,
      2. real estate that’s made more millionaires than any other asset class,
      3. and cryptocurrency – which I’m going to argue isn’t investing at all, but pure gambling dressed up in tech language.

      We’ll look at the janitor who died with $8 million in his portfolio, the exact strategies that 95% of millionaires use with real estate, and the data showing why three-quarters of crypto investors lost money.

      Your time is the ultimate non-renewable resource.

      Stop renting it out.

      Start buying it back.

    6. How to Become AI-First Before Your Job Disappears: 7 Steps Anyone Can Follow

      How to Become AI-First Before Your Job Disappears: 7 Steps Anyone Can Follow

      In the first article, we established an uncomfortable reality: AI is replacing knowledge workers right now, not in some distant future. CEOs from Fiverr to IBM are publicly stating they’re automating jobs. Research shows 80% of workers will see at least 10% of their tasks affected by AI. The displacement is already here.

      But of course it’s not that bad, and you’re not powerless.

      While AI threatens to replace workers who ignore it, it offers an unprecedented superpower to those who embrace it. The same technology that could eliminate your job can also make you 10x more productive, open entirely new career paths, and even let you build a one-person business that would have required a full team just a few years ago.

      The critical window is right now. We’re at a unique moment where AI is powerful and accessible, but mass adoption hasn’t happened yet. Most people are still in denial or waiting for someone to teach them. Companies are warning employees but haven’t started mass layoffs because they’re still figuring out implementation.

      This window won’t last forever.

      The question isn’t whether you should adapt – the research makes clear that adaptation is essential. The question is how. What specific steps do you take, starting from zero AI experience, to position yourself as someone who leverages AI rather than competes against it?

      That’s what this article delivers: a practical, actionable framework anyone can follow, regardless of technical background.

      The Two Strategies That Actually Protect You

      Before we dive into the step-by-step framework, you need to understand the two fundamental approaches to surviving the AI revolution. You can pursue one or both simultaneously, but you need at least one.

      Strategy 1: Become an AI Adapter

      This is about transforming yourself into an “AI First” professional – someone who actively uses AI tools to amplify their capabilities and output.

      Remember Fiverr CEO Micha Kaufman’s statement: he won’t hire anyone who isn’t already using AI. Shopify requires teams to prove AI can’t do a job before approving new hires. IBM is reskilling employees to work alongside AI rather than simply laying them off.

      black and white portrait of AI pioneer Andrew Ng discussing the rise of machine learning in modern work

      Companies increasingly value workers who know how to leverage AI. As Andrew Ng put it,

      “People that use AI will replace people that don’t.”

      But you don’t need to become a programmer or AI engineer. Just try to identify how AI can make you better at your existing job. How it can handle the tedious, time-consuming tasks that drain your energy so you can focus on higher-value work that requires human judgment, creativity, and relationship-building.

      Early adopters are already seeing massive advantages. A study from MIT in February 2023 found that customer support agents using a GPT assistant increased their issue resolution speed by 14% on average – equivalent to months of traditional training gains. Junior agents, who benefited most from AI guidance, saw even larger improvements.

      GitHub’s Copilot tool helps developers code 55% faster on certain tasks. Legal professionals using AI for document review and research save hours per week on routine work, allowing them to take on more cases or focus on complex strategy.

      These are transformative productivity improvements that create a widening gap between AI users and non-users.

      Strategy 2: Fire Yourself First

      The second strategy is more radical but increasingly viable: quit your job before your employer fires you, and build a one-person business powered by AI.

      I know how that sounds. Reckless. Irresponsible. Easier said than done.

      black and white portrait of Sam Altman representing leadership in AI advancement

      But consider this: Sam Altman, CEO of OpenAI, revealed there’s a “betting pool” among tech CEOs predicting what year we’ll see the first one-person, billion-dollar company.

      “It would have been unimaginable without AI – and now it will happen.”

      We already have historical precedents that show how technology enables massive value creation with minimal staff. Instagram had just 13 employees when Facebook acquired it for $1 billion – roughly $77 million value per employee. WhatsApp had 55 employees when it sold for $19 billion – about $345 million per employee.

      With AI agents that can code, design, write marketing copy, handle customer service, and analyze data, the barriers to starting a business have collapsed. You don’t need to hire a team. You need to know how to orchestrate AI tools.

      But Don’t Fall into a Trap

      In 2024, an entrepreneur named Jackson Fall ran an experiment he called “HustleGPT.” He used ChatGPT for business strategy and copywriting, DALL-E for design and graphics, and off-the-shelf AI tools to automate a Shopify dropshipping store. Product research, supplier outreach via AI-written emails, ad generation, website building – virtually every aspect was AI-assisted or entirely AI-executed.

      Fall described his role as “CEO and AI orchestrator,” focusing on guiding the AIs and making final decisions. Within a few months, the business reached over $100,000 in revenue with zero employees. Or did it?…

      At least it was the appeal in media. In reality the project failed in public and the guy went silent for a couple of years. So again, it’s not so simple and don’t expect AI will do all the work for you. The prompt “make me a million dollars, don’t make mistakes” will not work.

      Now, is every solo AI business going to become a unicorn? Of course not. Business fundamentals still apply – market fit, customer acquisition, execution. But the point is this: what used to require a team of specialists can now be done by one person who knows how to leverage AI effectively.

      And Don’t Quit You Job

      At a World Economic Forum panel in Davos in January 2025, venture investor Mitchell Green noted that after smartphones appeared, entirely new businesses like Uber and Airbnb emerged – now $100+ billion firms.

      “New jobs will crop up in the longer term – we just don’t know what they are yet,”

      he said.

      black and white portrait of Richard Socher representing AI innovation and human learning synergy

      Richard Socher, CEO of You.com and former Salesforce Chief Scientist, put it this way:

      “Every employee is going to become a manager of AIs. And in that sense, everyone is going to become kind of an entrepreneur.”

      I’m not advocating that everyone immediately quit their jobs. That would be irresponsible without preparation and a safety net. But I am saying this: if you have entrepreneurial ambitions, AI has lowered the barrier to entry more dramatically than any previous technology. And even if you stay employed, building AI skills and side projects creates options and security that relying solely on a traditional job no longer provides.

      The 7 Steps to Become AI Native

      Now let’s get practical. Here’s the step-by-step framework for becoming AI First, regardless of your current experience level. Start at Level 1 and progress through each stage.

      Level 1: Get Acquainted With AI

      Your first task is simple: understand what AI actually is and meet the major players.

      You don’t need technical knowledge, you don’t need to understand machine learning algorithms or neural networks, instead you just need basic familiarity with the tools available.

      Start with these two:

      ChatGPT (by OpenAI) – The most well-known AI assistant, capable of conversation, writing, coding, analysis, and creative tasks. Available at chatgpt.com.

      Claude (by Anthropic) – Another powerful AI assistant, often praised for more nuanced conversation and detailed analysis. Available at claude.ai.

      Both offer free tiers that are more than sufficient for learning. Both are LLMs – Large Language Models – trained on vast amounts of text data to understand and generate human-like responses.

      Your goal at this level: create an account with at least one of these tools and spend 15 minutes exploring the interface. That’s it. No pressure to accomplish anything specific. Just get comfortable with the idea of conversing with AI.

      Level 2: Test the Waters

      Now that you’ve met AI, it’s time to interact with it.

      Try different models if you created accounts with multiple services. Ask basic questions. Get a feel for how they respond. Most importantly, ask this exact question:

      “How can you help me?”

      Then, to get a more personalized response, tell the AI something about yourself – your profession, your daily challenges, what you’re trying to accomplish. Don’t be afraid to share. These conversations aren’t monitored by humans, and you’re not being judged.

      Treat AI as a coach, teacher, or virtual friend. The psychological barrier many people face is viewing AI as “other” – something alien or robotic. But modern AI conversation is remarkably natural. Voice chat features (available in ChatGPT and other tools) make it feel even more like talking to a person.

      Some people use AI as virtual boyfriends or girlfriends – there are entire AI companion apps that have attracted millions of users. Virtual influencers powered by AI have hundreds of thousands of followers on social media. These examples show how far conversational AI has come.

      Your goal at this level: have at least three separate conversations with AI on different topics per day. Ask about something you’re curious about. Request advice on a problem you’re facing. See how it responds.

      Level 3: Start Simple With Daily Tasks

      This is where AI starts becoming genuinely useful in your life.

      Identify simple, practical applications. Here are proven starting points:

      Use AI as a language tutor. If you’re learning a language, ask AI to be your teacher. Request explanations of grammar rules, vocabulary practice, conversation exercises. Many AI models support voice chat, so you can have actual spoken conversations for language practice.

      According to research cited by educational publications, AI tutors can provide learning gains for structured tasks like vocabulary practice and grammar drills that rival human tutoring in specific contexts. Over 700,000 students and teachers were using Khan Academy’s “Khanmigo” AI tutor by late 2024, up from 68,000 earlier that year.

      Replace Google searches with AI conversations. This is a big one. Instead of typing keywords into a search engine and sifting through results, ask AI your question in natural language.

      At first, you’ll probably phrase questions like Google queries – short, keyword-focused. That’s fine. But over time, you’ll start providing context and asking follow-up questions. You’ll realize AI understands conversation in a way Google never could.

      Google searches a database and returns relevant matches based on keywords. AI generates answers based on understanding your intent. The difference becomes obvious quickly.

      Ask AI for advice on personal topics. Existential questions, career dilemmas, everyday problems. See how it responds. The quality of advice often surprises people.

      Your goal at this level: use AI at least once per day for a full week on tasks you’d normally do another way. Build the habit of reaching for AI as a tool.

      Level 4: Integrate AI Into Your Work

      This is where you start seeing productivity gains that actually matter for your career and income.

      Think about your typical workday. What tasks do you find tedious, time-consuming, or mentally draining? What decisions leave you stuck, unsure how to proceed?

      Those are AI opportunities.

      When you hit a roadblock, ask AI for help. Stuck on how to structure a document? Ask AI to outline it. Need to analyze data but aren’t sure what metrics matter? Describe your situation to AI and get guidance. Facing a technical problem outside your expertise? Request that AI become an expert in that domain and advise you.

      The key is being specific. Don’t just say “I need help with marketing.” Say “I’m launching a software product for small business accounting. My target customers are solo entrepreneurs who currently use spreadsheets. I have a limited budget (be specific, give it numbers). What marketing channels should I prioritize and why?”

      See the difference? Context, constraints, specifics. The more information you provide, the more useful the response.

      Ask AI to break down unfamiliar tasks. If you’re assigned something you’ve never done before, ask AI to explain the process step-by-step. Request that it identify which parts it can help with directly. Then actually use it for those parts.

      The goal is experimentation. Try AI on different types of work. Some applications will feel natural and save enormous time. Others might not fit your workflow. That’s fine. You’re discovering what works for you.

      Your goal at this level: integrate AI into at least one substantial work task per week for a month. Track the time saved and quality of output.

      Level 5: Learn New Skills With AI

      This level transforms AI from assistant to personal tutor.

      When you need to acquire new knowledge or skills, don’t just passively consume information – engage AI as an active learning partner.

      Let’s say you need to learn SQL for database queries at work. Instead of watching tutorial videos or reading documentation alone, do this:

      “I need to learn SQL for my job. I have no prior experience with databases. Act as my SQL tutor. Create a learning plan with progressive lessons. After each lesson, give me exercises to practice. Check my work and explain mistakes.”

      AI will create a structured curriculum, provide practice problems, review your attempts, and explain concepts in different ways if you don’t understand. It’s like having a patient, infinitely available teacher who never gets frustrated with repeated questions.

      Ask for explanations “like I’m five years old” if technical language is confusing. Request metaphors and analogies. Have AI quiz you to test retention.

      This approach works for virtually any skill: public speaking, data analysis, project management, design principles, financial modeling. AI can’t physically demonstrate things, but it can guide, explain, and provide feedback on your practice.

      Your goal at this level: use AI to learn one new skill relevant to your career over 30 days. Document what you learned and how AI accelerated the process.

      Level 6: Summarization and Synthesis

      Now you’re ready for more sophisticated uses that create serious leverage.

      Document and video summarization. Found a 50-page research report you need to understand? Upload it to AI (Claude handles long documents particularly well) and ask for a summary highlighting key findings relevant to your needs.

      Discovered a 6.5-hour video course from an expert like Alex Hormozi on building a personal brand? Many AI tools can process video transcripts. Feed the transcript to AI and request a structured guide extracting the frameworks and actionable advice.

      This is incredibly powerful. You’re compressing hours of content into minutes of focused insight.

      But go further: once you’ve extracted that knowledge, use it as context for ongoing coaching.

      Upload that Alex Hormozi guide you created and say: “Using these frameworks as your knowledge base, become my personal brand coach. I’ll describe my situation, and you advise me based on this methodology.”

      Now you have a personalized advisor emulating an expert’s approach, available 24/7 for $20 per month instead of thousands of dollars for actual consulting.

      Feed AI entire books. Many tools accept book-length uploads. Provide context about what you’re trying to accomplish, then ask questions that help you apply the book’s principles to your specific situation.

      Your goal at this level: use AI to synthesize at least three long-form resources (articles, videos, reports, books) and create a personal knowledge base or coaching system around them.

      You can also synthesize the content for your brand, personal or corporate. You can create your own system, or just grab a ready-to-use one, like my own ANTIghostwriter. It’s a set of prompts with detailed instructions that converts your rough notes and thoughts into 76+ content pieces weekly, including long-form articles, threads, social posts in different formats, and video scripts. I use it personally, so you might have use for it as well. And it’s still on Black Friday sale, check it out: ANTIghostwriter.

      Level 7: Build AI Agents for Automation

      The final level moves beyond chat-based interaction to autonomous agents – AI that works continuously in the background without constant prompting.

      An AI agent is a tool that makes decisions independently and executes cyclical tasks without your intervention.

      Examples:

      • Email sorting agent: Automatically categorizes incoming emails into folders based on content and context
      • Weekly report generator: Pulls data from your task manager and creates a formatted report for your manager every Friday
      • Social media monitor: Tracks mentions of your company or keywords and flags important conversations requiring response

      This level requires more technical setup – often involving tools like n8n, Zapier or Make to connect AI to your apps, or using specialized platforms designed for AI automation.

      The possibilities extend to anything you can do on a computer: scheduling meetings, updating spreadsheets, generating routine content, monitoring data for anomalies, conducting research on specific topics.

      At a practical level, this is how you start building that one-person business. AI agents handle operations while you focus on strategy, customer relationships, and growth.

      Your goal at this level: identify one repetitive task in your workflow and research how to automate it with AI agents. Start simple – even saving 30 minutes per week compounds over time.

      The Tip: Why AI Isn’t Like Google

      Before we wrap up, I need to address the single biggest mistake people make when starting with AI: treating it like a search engine.

      With Google, shorter is better. If you search “Italian restaurants Boston,” you get results. If you search “Please help me find Italian restaurants in Boston that serve gluten-free pasta and have outdoor seating for a date night,” you probably get worse results because you’ve made the query too specific for keyword matching.

      Google has an indexed database. It finds pages that match your keywords and ranks them by relevance. The simpler your query, the more matches it finds.

      AI works completely differently.

      AI generates responses based on understanding your task and context. It doesn’t search a database – it creates an answer tailored to your situation. The more context you provide, the more accurate and useful the response.

      How To Prompt AI

      Compare these prompts:

      Bad (Google-style): “marketing strategy”

      Good (AI-style): “I run a B2B software company selling accounting tools to small businesses. We have 200 existing customers, mostly from referrals. We want to scale to 1,000 customers in 18 months. Our main competitor spends heavily on Google ads, but we have a limited budget of $15,000. Based on this context, what marketing channels should we prioritize and why? What metrics should we track?”

      See the difference? The second prompt gives AI everything it needs to provide genuinely useful, specific advice rather than generic platitudes.

      For simple, unambiguous questions – “What’s 2+2?” or “When was the Declaration of Independence signed?” – context doesn’t matter. But for real work tasks, context is everything.

      Describe your system. What tools are you using? What’s the current state?

      Explain your constraints. Budget limits, time restrictions, skill gaps, organizational politics.

      Clarify your goal. What does success look like? What are you trying to accomplish?

      AI doesn’t know these things until you communicate them. But once you do, the quality of responses can be surprisingly close to what a human expert would provide – often better than what you’d achieve after hours of independent research.

      Don’t Wait for Permission

      We’re at a remarkable moment in history. AI is powerful, accessible, and improving rapidly – but mass adoption hasn’t happened yet.

      Companies are warning employees but haven’t started widespread layoffs because they’re still uncertain about implementation. The technology exists, but organizational inertia, regulatory questions, and cultural resistance create a lag.

      This lag is your window of opportunity.

      In a year or two, being “AI First” might be table stakes – the minimum requirement rather than a competitive advantage. But right now, today, simply being willing to use AI seriously puts you ahead of the vast majority of workers.

      I’m not saying AI will always make perfect decisions. It won’t. Humans remain essential for judgment, creativity, ethics, and relationship-building. AI is a tool, not a replacement for human intelligence.

      Don’t limit yourself

      AI won’t cook you a dinner from the products in your fridge, but it can suggest you a recipe if you provide it with a photo of it, and calculate nutrients on top. It can become your personal trainer, psychologist, coach, financial adviser, skill teacher, language tutor, sparring-partner, co-founder, colleague for brainstorming ideas. Heck, it could even be your girlfriend or boyfriend – very popular application.

      But refusing to use this tool – pretending it doesn’t exist or hoping it goes away – is spectacularly short-sighted.

      The Industrial Revolution happened. Factory workers who adapted survived. Those who smashed machines and clung to old methods lost everything.

      The AI revolution is happening right now, just faster. Knowledge workers who adapt will thrive. Those who bury their heads in the sand will find themselves unemployed and unprepared.

      You have a choice. You always have a choice.

      Start today. Pick one task – just one – and try completing it with AI assistance. See what happens. Then tomorrow, try another.

      Build the habit. Develop the skill. Position yourself as someone who amplifies AI’s capabilities rather than competes against them.

      Because remember what Andrew Ng said: “People that use AI will replace people that don’t.”

      Make sure you’re on the right side of that equation.

    7. AI Will Replace Your Job Sooner Than You Think: The Threat To Knowledge Workers

      AI Will Replace Your Job Sooner Than You Think: The Threat To Knowledge Workers

      The Letter Every Freelancer Dreads Reading

      AI will replace you. Likely sooner rather than later.

      black and white portrait of Fiverr CEO Micha Kaufman warning freelancers about AI disruption

      That’s not my prediction. That’s what the CEO of Fiverr told his employees and freelancers in an internal memo that went public last year. Micha Kaufman didn’t sugarcoat it:

      “AI is coming for your jobs. Heck, it’s coming for my job too. This is a wake-up call.”

      The memo sent shockwaves through the freelance community, but here’s what really matters – Kaufman wasn’t theorizing about some distant future. He was describing what’s already happening on his platform. Within six months, searches for “AI Agent” services on Fiverr exploded by 18,347%. New job categories that didn’t exist a year ago – AI vibe coder, AI agent trainer, ComfyUI consultant – are now among the top-earning gigs.

      And Fiverr isn’t alone. IBM, Shopify, Duolingo, Klarna – major companies across every sector are publicly stating they’re replacing human workers with AI. Not planning to. Replacing. Right now.

      This is the knowledge worker’s Industrial Revolution moment. Except unlike the 1760s transition from manual to machine labor that took 80 years, the AI revolution is happening in weeks. ChatGPT reached 100 million users in under two months – the fastest technology adoption in human history. New AI models launch monthly. Companies roll out automation systems that can do the work of entire teams.

      I know what you’re thinking. You’ve heard AI hype before. Maybe you’re skeptical. Maybe you’re hoping this will blow over like so many other bubbles.

      But I’m going to ask you to stay open to what’s actually happening in the world right now, because this isn’t coming from me – it’s coming from people smarter, richer, and more successful than either of us. And they’re all saying the same thing in one unified voice.

      When Machines Came for Factory Workers: What History Actually Shows

      Before we talk about what’s happening today, we need to understand what happened last time machines came for human jobs.

      The First Industrial Revolution began in Great Britain around 1760 and lasted until roughly 1840 – about 80 years of transformation. It started with textile manufacturing. Water-powered looms and steam engines replaced skilled weavers who had spent years mastering their craft. The pattern repeated across industry after industry: machines doing what human hands had done for centuries.

      historical depiction of factory workers during the Industrial Revolution symbolizing automation’s roots

      People panicked. And rightfully so.

      Workers calling themselves Luddites broke into factories and smashed the machines they believed were stealing their livelihoods. The British government responded by making machine-breaking a capital offense. They weren’t wrong to resist – the transition was brutal. Factory conditions were horrific: 12 to 14-hour workdays, dangerous machinery, child labor. In 1800, about 20% of Britain’s population lived in cities. By 1850, that number hit 50% as displaced rural workers flooded into urban factory jobs.

      Traditional crafts collapsed. Indian textile workers who had sustained their families for generations found themselves unable to compete with British factory output. Colonial powers intensified their extraction of raw materials to feed the industrial machine. Inequality exploded even as overall wealth increased.

      But here’s what also happened: society adapted.

      The Industrial Revolution didn’t end humanity, but rather transformed it. New professions emerged that nobody in 1760 could have imagined – mechanical engineers, factory managers, railroad conductors, industrial chemists. Workers transitioned from physical labor to intellectual work. Educational systems evolved. Labor laws eventually addressed the worst abuses. Standards of living rose like crazy over the long term.

      The apocalypse everyone feared didn’t arrive. But the transition period was genuinely painful for millions of people who lost their livelihoods and had to completely reinvent themselves.

      The Unprecedented Speed of AI Disruption

      Now here’s the critical difference between then and now: speed.

      The First Industrial Revolution took 80 years. The Second Industrial Revolution – electricity, steel, mass production – took from the 1870s to 1914, about 44 years. Each major technological shift has accelerated, but nothing compares to what’s happening with AI.

      According to a Goldman Sachs analysis, approximately 300 million full-time jobs worldwide could be affected by generative AI automation. Their research found that roughly two-thirds of U.S. occupations are exposed to some degree of AI automation, with 25 to 50% of tasks in those jobs potentially replaceable by AI.

      Let that sink in. Not 25 to 50% of jobs – 25 to 50% of the tasks within jobs that are exposed. Which means most roles won’t disappear entirely, but they’ll be unrecognazibly transformed.

      An OpenAI study with researchers from the University of Pennsylvania calculated that approximately 80% of the U.S. workforce could have at least 10% of their tasks influenced by AI, particularly GPT-like models. About 19% of workers might see 50% or more of their tasks impacted. Dozens of occupations – mathematicians, writers, accountants, programmers – were labeled “fully exposed,” meaning AI could significantly speed up the majority of their tasks.

      Waymo operates commercial autonomous ride-hailing in Phoenix, San Francisco, Los Angeles, and Austin right now. Tesla vehicles drive themselves off factory lines, with no human behind the wheel. AI systems are already diagnosing diseases, writing legal briefs, generating marketing campaigns, and coding software.

      The pace is blistering. Updates and breakthroughs are measured in weeks. If you’re not paying attention to the velocity of change right now, you’re at serious risk of being left behind.

      The CEOs Who Are Actually Replacing You Right Now

      Let me be clear about something: this isn’t fearmongering or speculation. Major companies are explicitly, publicly stating they’re replacing human workers with AI. Not “considering it,” not “exploring the possibility.” Doing it. Let’s look at the recent examples.

      Fiverr

      Micha Kaufman’s memo to Fiverr employees didn’t mince words.

      “If you don’t make that move [to adopt AI], you’re going to be out of work,” he wrote. “There’s not going to be a demand for people who are working like it was five years ago.”

      In a later interview with Business Insider, Kaufman doubled down:

      “You can’t wait to be taught something… If you don’t ensure that you sharpen your knives, you’re going to be left behind. It’s that simple.”

      He also made clear he won’t hire anyone who isn’t already using AI tools. The threat, as he sees it, isn’t AI itself – it’s other people who know how to leverage AI.

      “There’s more risk of people who are very versed in technology displacing people who are not,”

      he explained.

      The data from Fiverr’s platform: beyond the explosive growth in AI-related services, there’s been a 1,739% increase in searches for “AI video creator” and 18,347% for “AI Agent” services. The entire freelance marketplace is reorganizing itself around AI capabilities in real-time.

      Duolingo and IBM

      In April 2025, Duolingo CEO Luis von Ahn sent an all-hands email declaring the company “AI-first.” The language-learning app announced it would “gradually stop using contractors to do work that AI can handle.”

      black and white portrait of Duolingo CEO Luis von Ahn on AI replacing repetitive content work

      Tasks that once required dozens of human contractors – generating new language exercises, creating translations, developing curriculum content – are now largely automated using GPT models. Duolingo introduced an AI tutor feature that converses with learners. Von Ahn emphasized this wasn’t about cutting all staff, but about “removing bottlenecks so we can focus on creative work.”

      But here’s the kicker: he also said headcount increases would require proof that “a team cannot automate more of their work.” Translation – if AI can do it, AI will do it.

      black and white portrait of IBM CEO Arvind Krishna representing AI leadership and automation strategy

      IBM took an even more dramatic step in May 2023. CEO Arvind Krishna announced a pause in hiring for roles that “could be replaced by AI,” especially back-office functions like HR. Roughly 7,800 jobs – about 30% of such roles – were identified to potentially be automated over five years.

      IBM indicated it would achieve this mostly through attrition rather than layoffs, and launched reskilling programs. But the message was unmistakable: if your job can be automated, your position is on borrowed time.

      Shopify

      Shopify CEO Tobi Lütke instituted perhaps the most aggressive policy: teams must prove AI cannot do a job before hiring someone new.

      black and white portrait of Shopify CEO Tobi Lütke promoting AI-driven workplace automation

      In an internal memo that later became public, Lütke asked employees to imagine AI “agents” as part of every team and to automate before considering adding humans. Over 2024, Shopify’s headcount actually decreased slightly even as the company grew – a direct result of efficiency gains from AI.

      black and white portrait of Klarna CEO Sebastian Siemiatkowski reflecting AI adoption in business

      Klarna CEO Sebastian Siemiatkowski stated in January 2025 that

      “AI could do all our jobs, my own included,”

      calling that prospect “gloomy” but something the company must embrace.

      What This Really Means

      Notice the pattern. These aren’t just low-skill, easily-replaceable positions. We’re talking about content creators, HR professionals, customer support specialists, curriculum developers – knowledge workers with education and expertise.

      Even elite professions aren’t immune. The major law firm Allen & Overy partnered with an AI startup called Harvey to automate legal document drafting and research. Over 3,500 lawyers at the firm began using Harvey’s GPT-model-based legal assistant, which posed some 40,000 queries during an initial trial.

      A partner at the firm noted it could save lawyers “a couple hours a week” on routine paperwork. He also warned that firms not adopting such tools would face “a serious competitive disadvantage.”

      black and white portrait of AI pioneer Andrew Ng discussing the rise of machine learning in modern work

      Andrew Ng, AI pioneer and Google Brain co-founder, put it simply:

      “AI won’t replace people, but maybe people that use AI will replace people that don’t.”

      That’s the real threat. Not the technology itself, but the growing gap between people who embrace it and those who don’t.

      The Reality Check You Need Right Now

      Look, I understand this is uncomfortable to read, and unpleasant. Nobody wants to hear their job might be automated, their skills might become obsolete, their career path might dead-end.

      But understanding what’s happening – really accepting the possibility rather than dismissing it – is the first step toward protecting yourself.

      Accept the Possibility

      I’m not trying to make predictions that may or may not come true, not speaking from some position of superhuman knowledge or prophetic power. But I’m simply paying attention to what’s happening around us and listening to people who are in positions to know.

      • The CEOs running major companies.
      • The researchers publishing studies.
      • The venture capitalists funding AI startups.

      They’re all saying the same thing.

      And beyond that, I’m experiencing it myself, empirically. I use AI daily – honestly, more than I use my own brain at this point. It helps me complete tasks faster that I used to do manually. Tasks that used to take hours now take minutes. The productivity gains are impossible to ignore.

      Would it be far-sighted or smart to pretend this isn’t happening? I don’t think so.

      Understand the Scope

      Right now, AI is mostly confined to work that happens on computers. It doesn’t cook your dinner or fix your car or build your house. It lives on screens, processing information and generating outputs.

      But think about how much of the modern world is controlled by computer systems. The entire financial system – stock trading, banking transactions, payment processing. Commerce – buying goods, logistics, inventory management. Communication – the internet, email, messaging, social media, the entire infrastructure of how humans share information.

      The internet itself is humanity’s collective knowledge repository, the driver of progress and innovation. And AI has mastered working within that digital realm.

      Now robotics is advancing rapidly. Multiple companies are developing intelligent, humanoid robots controlled by AI. Some look like humans, others don’t, but they share one capability – they can perform physical labor while making intelligent decisions.

      Combine AI’s cognitive abilities with robots’ physical capabilities, and you have machines that can replace humans not just at computers, but on factory floors, in warehouses, in delivery vehicles. Tesla cars already exit factories under their own power, with AI driving them off the production line.

      This is becoming real, with clear outlines. However much you might want to deny it or look away, these are facts.

      Recognize the Timeline

      The speed of change is staggering. It’s never been this fast.

      Changes aren’t happening over years or even months. They’re happening in weeks. New AI model updates, new robot demonstrations, new companies announcing automation initiatives.

      In the US, driverless taxis are already thriving. Not being tested – operating commercially, giving rides to paying customers. In other countries too. The future isn’t coming. It’s here.

      black and white portrait of Bill Gates symbolizing the impact of AI on global work and innovation

      Bill Gates wrote in March 2023 that AI is

      “as fundamental as the creation of the microprocessor, the personal computer, the Internet… It will change the way people work, learn, travel, get health care, and communicate with each other.”

      This is a revolution comparable to the biggest technological transformations in history. Except it’s happening at unprecedented speed.

      What Comes Next

      So where does this leave you?

      If you’re feeling a mix of fear, denial, skepticism, maybe even anger – that’s completely valid. These are natural responses to information that threatens our sense of security and stability.

      The Industrial Revolution eventually led to higher standards of living, new professions, and economic growth. But it took 80 years, and the transition period was genuinely brutal for millions of people who lost their livelihoods and had to completely rebuild their lives.

      We’re facing a similar transformation, except compressed into a much shorter timeframe. The good news is that history shows humanity adapts. The challenging news is that adaptation requires action. Waiting and hoping isn’t a strategy.

      Here’s what I want you to understand: you have agency in how you respond to this. You can’t stop AI from advancing. You can’t prevent companies from automating. But you can control whether you’re caught off-guard or whether you’re prepared.

      The main question isn’t whether AI will affect your work. The question is whether you’ll be among the people who get replaced or among the people doing the replacing.

      So what do you actually do about this? The answer isn’t to panic or despair. It’s to become AI First – to adopt AI tools, learn how to leverage them, and position yourself as someone who amplifies their capabilities rather than competes against them.

      In the next article, I’ll show you exactly how to do that, starting from zero experience with AI. We’ll cover the specific tools you need to know, the practical ways to integrate AI into your daily work, and how to build skills that make you irreplaceable.

      Because the real risk isn’t AI taking your job. It’s someone who knows how to use AI taking your job.

      And you need to be that person.

      Your First Step With The Discount

      Your very first step in AI adoption may be taken with the help of ANTIghostwriter – my content creation system powered by AI (surprise, surprise). Digital presence nowadays is unquestionable – if you want to stay in the game, you have to build an online brand, either your personal or corporate.

      The content creation process always starts with text: even if you create videos (check out my YouTube btw) – the script goes first. I prefer to ramble on some idea with myself in a form of audio notes – that’s my creative process. For example, I wrote this very article during my long morning walk. Then I transcribe them with AI into text format. I ask AI to conduct research on the topic that gives all the data, quotes, facts and checks my statements (some of them of course might be false).

      After gathering all my thoughts and research, I ask AI to translate my thoughts into English, enrich them with the research data and compile it together into the article. The next step is editing – I read the full article, make my own edits when needed. Next, my AI helpers repurpose the final article into different formats, including posts, threads, video scripts for several platforms where I have my presence.

      All I have to do after that is edit the final version by adding my personal touch to it and publish. That system helps me stay consistent, publishing 2 articles, 2 threads, 25+ posts, 3 videos every single week without burning out (I’m doing it for more than half of the year already).

      Of course there are a ton of nuances at every single step of the process, that’s why I documented it in the short course format, including all the AI prompts, instructions, and video demonstrations, so you can have it as a workbook on your table.

      On top of that it’s a great time to buy, because the product has a traditional Black Friday discount of 80%! So, check it out: ANTIghostwriter.