By the time you turn twenty

you should know how to take a good picture by the time you turn twenty

I have an unconventional way of thinking. A lot of blue-pills hate me for it. Which is fine. I don’t mind being hated by losers.

However, I do want to get this out to you before the blue-pills pollute your brain with their bullshit. They will give you a roadmap to failure since failure is all they know.

Think hard about this – do you really want to take advice from someone in a shitty marriage with kids who don’t respect them and maybe at best a five figure net worth? Or would you rather take advice from a successful investor who consults on the side, travels the world, and still outlifts most men in their 20s?

Choose wisely.

Be fit

There is absolutely no excuse to be fat and out of shape in your 20s. None at all. I can still do double digit pull-ups and deadlift more than twice my weight, and I’m old enough to be your father.

People who discourage fitness should be shamed. In my world, flogged. They’re shitty people. Like Cosmo magazine for instance, flaunting that fat piece of shit on the cover and telling us she’s beautiful? No! That’s fucking disgusting.

By the time you turn twenty, you should be fit. How fit? Do you look good naked? If so, congrats. If not, get to work.

Balance your checkbook

Sure, most of us don’t use actual checkbooks any more. It’s more a saying.

I use a very simple spreadsheet for my liquid assets. I have my assets in black and my liabilities in red.

Have your parents taught you the difference between liquid and non-liquid assets? If not, I’ll quickly explain.

Your liquid assets are your checking and savings accounts (you should have both), your cash and cash equivalents, your gold and silver (very easy to unload), crypto currency, and your stocks.

Your non-liquid assets can be anything from real estate to investment baseball cards and comic books. We have a lot of paintings from artists we think will be famous one day for instance. Those are non-liquid assets because I can’t simply sell them.

More black than red

You need to have more black than red. Note that at twenty, those numbers will be significantly smaller than your thirties. That’s ok. You’ll get there but you need to know the difference between assets and liabilities by the time you turn twenty.

I’m aware of all my non-liquid assets but I don’t track them with numbers. For instance, how the hell am I supposed to know how much X painting will be worth ten years from now when I sell it?

I’m no longer a landlord either. It was a shitty idea that I got from shitty advisors. They failed to mention how much tenants are a pain in the ass. There are much better ways to make money.

What are liabilities?

Simply put – money you owe someone else. Credit cards, student loans, a mortgage, business loans, car payments, etc.

Not only do you owe someone else money, they’re tacking in interest as well. That’s why they gave you money in the first place. You are their investment vehicle.

You are good at something

By the time you turn twenty, you should be good at something. It could be anything. Does that include video games? Sure, if you’re so good you can make money at it.

You tell me what you want to be good at. I’m not you. You’re you. This is something you need to figure out on your own. However, if you’re not good yet, get to work.

The beauty of youth is you have time. The bad thing about youth is it’s gone in a flash. You feel like you’ll be young forever, but it will be gone before you know it. So, get to work.

You are hungry

I hate people who hate competitive people. Those idiots who setup kid leagues where they don’t keep score? Round them up and send them to Venezuela where they belong. I hate communists.

Be hungry. Competition is a good thing.

However one twist. You’re not competing against other people. You’re in a league of your own.

No, instead, you’re competing against your past self. You’re always improving. Always getting better.

If you’re not growing, you’re dying. I know people in their 20s who are already dying. They sit around and smoke pot all day, then complain that they don’t have any time for self-improvement. Then, they complain about having no money and how unfair the world is. Want to guess their weights?

I sincerely wish I had today’s me as my late teens mentor. I would have made my first million in my thirties instead of in my forties. Does it matter? Hell yeah! I’d be considerably better off today.

That’s why I write this shit. I’d love for some young person to find this site, become awesome at something and filthy rich, then personally thank me while I’m on my deathbed.

Now you know the reason I write.


Roman is an artist, composer, writer, and travel junkie.

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