⏱️ millionaireME Minute: The Smartest People Ask the Best Questions

Jon Goodman

19d • General discussion

Good morning.

It’s Tuesday, September 9th, 2025.

There are 113 days left in the year.

They say the greatest indicator of intelligence isn’t the answers we give—but the questions we ask.

Here’s one to wrestle with:

👉 If you could game plan the next 20 years to save for a 20-year retirement, what would you do?

Here’s how I’d answer, through the lens of Wealth & Wellness:

💰 Wealth Game Plan

1. Cut Without Sacrificing

Start with a spending analysis. Ask: What can I eliminate that won’t reduce my quality of life?

Example: Streaming services I don’t use, brand-name groceries swapped for generics, or unused gym memberships.

2. Automate My Future

Earmark 10–20% of discretionary spending (and as much non-discretionary as possible).

Move it every Monday into the most tax-efficient accounts available. That keeps me from overspending AND ensures I’m dollar-cost averaging into a properly allocated portfolio.

3. Ditch the Mortgage

Do everything I can to pay off my home in 20 years or less. Enter retirement without a mortgage—freedom is priceless.

4. Pay Cash for Cash Sucks

Cars depreciate fast. Only buy vehicles 2–3 years old, under 36k miles, and only with cash.

5. Max Out Health Savings

Fully fund an HSA every year. It’s the most tax-efficient way to prepare for inevitable health costs.

🏋️ Wellness Game Plan

1. Track Body Fat, Not Weight

Target 10–15% body fat. This reduces risk of expensive, preventable health issues.

2. Fuel Wisely

Lean proteins, fiber, and whole foods. Less junk, fewer meds.

3. Train Smart

Resistance training that works for my body (machines, assisted lifts, dumbbells). Avoid movements that sideline me.

4. Walk Daily

Minimum: 10,000 steps. Goal: 12,500 steps. Simple, sustainable longevity.

5. Hydrate & Sleep

A gallon of water daily + 6–8 hours of sleep nightly. Both are free. Both are powerful.

⸻

That’s my 20-year blueprint.

Now the question returns to you:

✨ How would you game plan the next 20 years?

✨ What would you add—or change—from this list?

Let’s make better questions our greatest asset.

⸻

millionaireME | Happy • Healthy • Wealthy • Wise

🐷 🪽

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