Monday Mail #8

Moving, Actions Over Planning, YNAB, Jesus Happy

Hi Friends 👋,

Happy Monday, I hope everyone is doing well.

This past weekend has been very exciting. Amy and I finally moved and settled into our Jersey City Apartment. We will be staying here for the foreseeable future as both of our jobs are located in the Financial District of New York (but who knows when we'll actually commute there). Here's a couple of pictures of what our apartment looks like-- we really like it but we might be a little biased :).

If any of you are in the Jersey City/NYC area and would like to meet up, definitely let me know!

Action > Planning:

If there's one thing you should know about me it's that I love planning. Planning out my week. Planning out my day. Planing out the exact hours I do Activity A, B, C. Although I am a strong proponent of planning, I am well aware that it's completely fruitless without action.

It's like saying I will wake up at 6am tomorrow morning. But, when the time comes, you persuade yourself to sleep a little more. While the intention and plan was there to wake early, the action wasn't. And that's the same as having no plan.

Which brings me to the topic I want to discuss this week: Action > Planning

Over the past week, I've been reviewing a lot of my plans for my future after moving into my apartment. Amongst my plans and goals for the future, one stood out amongst the rest.

Become financially independent by 25.

In my plan, one way I wrote I wanted to reach this goal was to:

  • Making passive income via the internet.

But, in all honesty, I haven't made a single dollar online to date. With all my planning, I haven't taken any actionable steps towards that goal.

I'm going to change that this week. I'm challenging myself to make $1(at least) on the internet and will report back in the next newsletter the results of my experiment.

Likewise, if you have the time, take a look at some of your plans/goals and see what actionable steps you can take right now to progress. Your plan isn't going to be completed by itself!

😊My Highlights:

Gritty & Curious Newsletter: Over the last two months, Austin and I have been working hard on building up Gritty & Curious - a podcast, newsletter and community. I've been maintaining the newsletter and preparing for the release of the Gritty & Curious Community, a hub for builders/creators to connect and learn from each other. If you're interested in joining, click to sign up for the waitlist here! We will be having weekly group calls, guest lectures with experts in their fields, and even a monthly book club.

📖 Reading Highlights:

YNAB: During my time in college, my money felt like a leaky faucet. As soon as I received a paycheck of some sort, it would be instantly depleted through dinner with friends, buying the newest gadgets, and Chipotle Burritos. I wanted to put an end to this madness and found a really cool methodology/software for tracking your money. It's based on 4 rules:

  1. Give Every Dollar a Job - Decide exactly what each dollar does as soon as you receive the money. That way you'll be less inclined to spend it randomly.

  2. Embrace True Expenses - Take large less-frequent expenses (Holiday Gifts) and break them into "monthly bills".

  3. Roll with the Punches - When you overspend in one category, mitigate it by reducing the budget in another.

  4. Age your Money - Make sure any money you spend is at least 30 days old (in your bank account).

The Virulent Spread of Ideas: There's one thing I would argue that is more contagious than COVID-19 and that's the spread of ideas. Through the recent protests and COVID-19, we've seen how fast information can travel through Twitter and Facebook — even if it's egregiously false. This article beautifully describes the dangers of contagious ideas spread through the network of social media. One of my favorite reads of the week.

“We learn about the world from people we care about. This binds our sense of truth to tribal identity, and that is a powerful, fundamentally emotional connection.”

🎉Fun Highlight:

Codenames Online: If you want to spice up the next zoom call you have with your friend group, I strongly suggest checking out this website. Created by a group of UPenn CS students, this site is an online replica of the famous game, Codenames. It's loads of fun and I'm certain you will be entertained for at least 30 minutes. If not, sue me.

📷Picture Highlight:

Here’s an image of Jesus Happy.

Final Notes:

Thanks for reading! If you enjoyed Monday Mail thus far, I’d love it if you could share it with a friend or two by clicking the button below!

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If you would like to support this Newsletter and my various endeavors, feel free to do so here!

And finally, if you want to get in touch, you can DM me on Twitter. I'm the most active there.

Until next week,


Fun Fact: All porcupines float in water.

QOTW: “You don’t have to start from scratch to do something interesting.” - Jack Dorsey