Looking back on my post from 2010, Life is Hard, I couldn't help but smile given what I know now, four years later. First of all, it's hard to believe it's been four years since I wrote that. Time has flown, partly for the better, partly for the worse. I'm no stranger to self-help/self-improvement. And since 2010, I've been writing out goals and plans for the year. Sometimes, you can't quite knock out a year's worth of resolutions in a year. So let's take a look back at 2010 and see where we are now.
- Physical Appearance:
- Diet - I am using http://dailyburn.com to track my nutrition and my goal is to get down to 10% body fat. I have several other goals with how much weight I would like to lift. This is all with the end goal of being confident and attractive to women.
- 2014 Me Says: You never made it to 10% body fat. Sorry, bro. But you did get down to about 15% twice, once in 2011, and once in 2012. Know what works? High intensity full body workouts, long runs, and sprints. Your workout needs to be around 45 minutes to an hour of pouring sweat. And stop tracking shit, it's just pedantic and distracting. Also? You'll never give up booze, so just toss that idea out the window.
- Skin - Sunless tanner, tanning beds, or just sitting out in the sun. But I need to get some color on this skin. I also need to clear up my blackheads and big pores. It's not terrible, but it's an imperfection nonetheless.
- 2014 Me Says: You don't tan and it doesn't matter. You could spray tan, but you know that is ridiculous, and the only way you actually tan is by getting burnt, which isn't healthy. And nobody gives a shit that you aren't tan. It's the midwest. People are used to pale motherfuckers
- Hair - I'm changing my hair from the military spec haircut to something a little more edgy. I've always said I get most of my confidence from my hair. This should shoot confidence through the roof (if it works).
- 2014 Me Says: Yeah, son! That haircut was BOSS! ...four years ago. Nah, I'm just playin', you rocked it. But now you're 31. Time to give up the ghost and accept your age. Not to say you have to look boring, just... more refined. Lucky for you, refined is still sexy. Unfortunately for you, you're hair is starting to thin. Goddamn stressful IT work.
- Lips - If the peeling doesn't stop, I may need to find a product that will fix it.
- 2014 Me Says: Dude, gross. But yeah, still a problem. Aquafor seems to work pretty well. We should probably use more of that.
- Clothes - I don't have the money for new clothes, but I am going to start needing them. My thighs are outgrowing my jeans (squats, man, squats). Keeping an eye on the sales racks in Von Maur and Express should do the trick.
- 2014 Me Says: Bro, you still don't have money for new clothes. And you haven't hit the squat rack in years. I think you were overestimating how swoll you were. It's just your jeans that were tight.
- Since http://mint.com won't track my small hometown bank, I need to do my own tracking on a Google Docs spreadsheet. Strict record keeping and adhearance to a budget should help me get my debts slowly paid off.
- 2014 Brian Says: Did you not have spell check in 2010? Adherence. Sheesh. But also, Simple. Simple will save your life. Stop guessing what's in your bank account, or playing dumb because you just don't want to know. Simple is ah-mazing. Also, that spreadsheet? Keep that shit up. Simple is good for the immediate and near future, but that spreadsheet will let you plan out years in advance. But ya know what? Don't worry about anything. Get another credit card. Have fun. You deserve it. I'll pick up the tab, it's fine. Just go out and make me proud. (I know you will.)
- The biggest problem at work is distractions. I need to find a way to focus. I'm currently typing this at work. This is not focus.
- 2014 Me Says: Still not working, eh?
- I need to get out and continue meeting women. I've been slacking off in this area, so I need to get back into it. More to come on this.
- 2014 Me Says:
Uhhh, dude. You went from having banged 12 girls by 2009, to 38 in 2012. That's a 216% increase in just two years! And the stories- Ohhh, the stories! But now you've got a super hot girlfriend and you're not sure which is better, having guaranteed sex with someone you love, or possible (but not guaranteed) sex with random strangers. The jury's still out on that one, but thankfully, you satisfied a lot of my curiosities.
Long Term Work Goals:
- If I ever want to be a consultant, I need to start doing some small work. I need contacts. I NEED TO GET THIS MOVING.
- 2014 Me Says: Psht, consulting is for the birds. We're going to go where the money is: the stock market!
- I also need to start learning skills that people want. Like design. God I hate design. But I need to learn it. Without it, I'm only half a consultant.
- 2014 Me Says: You still suck at design. You took some Code School classes and learned some good shit, but for the most part, you will never be a designer. Anyway, Fuck IT. STOCK MARKET!
- I want to play music. I always have. I'm going to start booking shows around here and getting contacts. I need a demo as well. This must happen.
- 2014 Me Says: So here's what happened: You recorded two E.P.s with Dan and they turned out ok (nothing Earth-shattering, mind you), but they're your voice and guitar on a digital recording, so good work. You also played in front of some decent crowds (and some tiny shitty ones too). It was mostly fun, until you got to the point where you played RAW artists and had to buy 20 tickets to meet your quota and had to beg people to come and, well... Let's just that like Justin Bieber, it's time to retire. Oh yeah, he's "retiring" this year. Whatever. But yeah, music will always be in your heart, just not on your resume.
So, that's been the last four years. Now I'd like to look ahead five years. I've got a five year plan, and it mostly revolves around finances. I've mentioned before, Operation: Heist, and Operation: Moneybags. Heist involved finding ways to get rich relatively quick. After exploring several flops, from affiliate marketing to writing a book, I believe I have found two ways: Sports betting and day trading penny stocks. If you laughed while reading that, I don't blame you. Most people who would say that would not have a plan. I am not most people, and I most certainly do have a plan. Here it is:
I'm still deeply in debt (thanks, 2010 Me) so getting that paid off is top priority. With a sizable bonus (will know in about three weeks) and a decent tax return, I should be able to knock off a card and a half of debt, and pay the rest down with snowball payments. This should be done by October. Then I need a cushion. Something to catch my fall should I find myself unemployed for three months. With next year's bonus/tax return, I should have that. Everything after that becomes capitol investments.
Now for the dirty details.
I dabbled in sports betting briefly, thinking I could accurately predict the outcome of games. This didn't work so well. Good bye, $50 bankroll. You will be missed. But then I stumbled on Sports Profit System, a totally transparent tipping service. It is pricey. Their annual fee just went up to a grand. But consider that grand an initial investment fee. They turned around 41 units of profit last year. But units of profit is a silly number, because their bankroll method assumes you've put aside a set amount for the whole year and you just skim your profits when they come. It's a fine strategy, but I've modeled the data and here's what works better: You start with a set bankroll. Every time your winnings increase your bankroll, that's your new bankroll. So if you start with $10,000 and you are betting 2% ($200) and you win and now have $10,400 in your bank account, that's your new bankroll. Now your 2% bets become $208. And if you lose, you still bet based on the highest your bankroll has been. Also, you may wish to add money to your bankroll. You would only do this when you are at a new high. So if you are at $10,400 and want to add $600, you do it then. Now your bankroll is $11,000. If you follow their bets exactly, by the end of the year, you should be up anywhere from 50%-100%. Awesome investment.
Sure there are risks. They could under perform. But given that their business model is built on providing mostly winning bets, it is in their interest to perform. Also, the sports book could kick you off if you get too hot. Fair enough. I'll cross that bridge when I get there.
I've dabbled in penny stocks before, taking a slight loss due to not having enough funds to play more stocks. That was through Peter Leeds. They're a decent site for longing undervalued penny stocks, but after torrenting the ridiculously expensive library of Timothy Sykes, I'm seeing there are far better ways to play penny stocks. Namely, short selling pump-and-dumps. I'm still a little uncomfortable with short selling, but I think in time, I'll start to like it. Some of his students have made $1 million in a few years. This is the goal. This is where it's at.
Penny stocks are known for their high risk/reward values, but you can turn the tables and increase your odds by following the rules. The biggest risk I see is that I won't be able to trade during work hours. That could be a problem. I come in at 9 AM, which is 10 AM EST, so that gives me a good half hour to get any morning trades in, and I can possibly check throughout the day, but it would be somewhat scary if I was trying to get out fast and had a meeting or something.
I anticipate being debt free in 2017, student loans and all. By 2019, I want to be able to work full time as a day trader, and by 2020, I want to be a millionaire. Simple enough, right?
So, 2020 Me, if you're still around (and Slashdot is still around for that matter), then let me know how I did. I hope I made you proud. And rich.