Greetings! It’s Monday, December 15th, 2025. Just 10 more days till Xmas and 16 to 2026! So…what to do with just handful of pages left in the 2025 calendar? 🗓️ Most people will stumble across the finish line…that’s the truth. But a few will extract every last drop—less stress, more clarity, deeper joy, and a stronger launch into 2026. Here are 10 high-leverage moves—simple, not flashy—that separate those two groups: 1. Close Open Loops Unfinished conversations. Lingering emails. Half-done promises. Completion creates energy. Drag creates debt. 2. Do a “Stop Doing” Audit Before adding goals, subtract friction. What habits, subscriptions, obligations, or relationships quietly drain you? (Subtraction is an elite wealth skill.) 3. Capture 2025’s Lessons Ask three questions: - What worked? - What didn’t? - What surprised me? Wisdom compounds faster than money. 4. Lock in One Keystone Habit Not ten. One. Sleep. Protein. Walking. Lifting. Daily reading. Prayer. What habit makes everything else easier? 5. Tidy Your Financial House Check: - Spending creep - Subscriptions - Debt balances - Savings rates - Contribution performance - Automated statuses for bill pay, debt service, saving, investment - Beneficiaries (seriously—this matters) Clarity reduces anxiety more than income ever will. 6. Make One Bold Financial Move Increase your automatic investing. Kill a lingering debt. Start the account you’ve “meant to start.” Momentum loves courage. 7. Repair or Reinforce One Relationship A note. A call. An apology. Gratitude expressed out loud. Relational wealth outperforms financial wealth in the long run. Every study. Every time. 8. Write a 1-Page 2026 Vision Not a novel. A drawing will work. ✍️ Or a one pager answering: “If next year goes right, what does life look and feel like?” Direction beats motivation. 9. Give Something Away Time. Money. Attention. Encouragement. Generosity rewires the brain for abundance.

Greetings! It’s Friday, December 12th, 2025. Less than two weeks till Christmas and three until the New Year. 🎄 🎊 One of the most powerful tools I’ve ever been given had nothing to do with money, markets, or tactics. It was values. Years ago, Coach K introduced me to the idea of clearly defined core values—not as a poster on the wall, but as a daily operating system. He has often credited his five core values as much as his players for becoming the winningest coach in college basketball history: Coach K’s Five Core Values • Caring • Trust • Commitment • Accountability • Pride Simple. Memorable. Actionable. Those values didn’t just guide recruiting or practices—they guided decisions, relationships, and culture. When pressure mounted, the values did the thinking. That’s the real power of values: They keep you on track when emotions, distractions, or short-term incentives try to knock you off course. Recently, my wife and I were so inspired by a values conversation that we started discussing a family summit. Not to impose our values on our kids—but to help each of them discover their own. That distinction matters. Values discovered → ownership Values imposed → resistance In the process, we identified ours as well. Interestingly, they overlap—but they aren’t identical. And that’s a good thing. Shared direction doesn’t require identical wiring. Here’s the one-sentence summary of my values that came out of the exercise: “Live faithfully, love deeply, steward wisely, create meaning, and play the long game.” But what came next was the real breakthrough. The question wasn’t, “What values should I add?” It was: “Are there any values I need to pay less attention to—for the sake of balance?” For me, the answer was clear (and uncomfortable): I need to prioritize presence over productivity. More output is not the answer. More trust is. Trust that the work already done will compound. Trust that rest has ROI—even when it can’t be measured. Trust that stopping to smell the roses is not falling behind.

Greetings! It’s Thursday, December 11th, 2025. There are 20 days left in the year. 🗓️ Epicurus (341–270 BCE) isn’t the philosopher most people expect to teach them about happiness. His name gets tangled up with indulgence, but the real Epicurus? He was remarkably simple, disciplined, and—dare I say—millionaireME before millionaireME existed. He believed that the greatest reward of a righteous life wasn’t applause, money, or comfort…but peace of mind. As he put it: - “The greatest reward of righteousness is peace of mind.” - “We should look for someone to eat and drink with before looking for something to eat and drink.” - “Nothing is enough for the man to whom enough is too little.” - “Do not spoil what you have by desiring what you have not.” Epicurus taught that happiness rests on three pillars: 🔸friendship 🔸freedom 🔸thoughtful living. Not luxury. Not volume. Not hustle. But honest community, margin in your life, and habits that align your life with your values. He formed small communities where people practiced—daily—the art of living well. Not unlike what we’re building here. In millionaireME terms: Happy: Choose people who lift you, steady you, laugh with you, and call you forward. Healthy: Epicurus practiced restraint, not excess. A reminder that our bodies often tell the truth before our minds do. Wealthy: “Enough” is a moving target until you decide where to anchor it. Gratitude is the first compound-interest engine. Wise: Integrity, empathy, and justice close the gap between who you are and who you want to be. The tighter the gap, the greater your peace. Epicurus believed happiness was a practice, not an accident—a skill learned through repeated small choices. He would’ve felt right at home with our community’s pursuit of intentional living. Your turn: Which pillar—friendship, freedom, or thoughtful living—needs more attention in your life this week?

Greetings! It’s Wednesday, December 10th, 2025. Including today, there are 21 days left in 2025, and, yes, we are still racing toward a better life one small habit at a time. Today’s insight? It’s one that blindsided me—in the best way. A new study (linked below) highlights something I’ve discovered the hard way over decades: Humans have a protein threshold that must be met each day to naturally suppress appetite. And if we don’t reach it early? Our bodies go hunting later. (In my case…ravenously. Think: I-could-eat-my-own-arm hungry. 😅) But here’s the fascinating part: When that protein threshold is met—especially earlier in the day—cravings shrink, nighttime hunger fades, and overeating drops dramatically. In other words: High-protein morning → calmer evening → better decisions → better body → better life. This research also uncovered a quirky but powerful bonus: Adding a little calcium increases the appetite-suppressing effect. That means: - A small multivitamin with breakfast or - (Wait for it…) a tiny amount of crushed eggshell added to your eggs …creates a “double-whammy” effect for appetite control. (Yes, I know. Eggshell. But it works.) Why this hit me so personally For most of my adult life, the evening hours have been my nutritional witching hour—the time I’ve undone great days with bad choices. Only recently did I realize: If I front-load protein and healthy fats, that evening chaos disappears. This study simply confirmed what my body has been trying to tell me for years. If you want to experiment… Try it for one week: 1. Start your day with 30–40g of protein. 2. Add a small source of calcium (eggshell optional but on-brand brave 😄). 3. Track your evening appetite and behavior. If your experience matches the research—and mine—it could change how you fuel your days, your goals, and your self-control. Happy. Healthy. Wealthy. Wise. That’s the game. If you test this out, tell me how it goes. Your story might help the next person earn their wings. 🪽

Greetings! It’s Tuesday, December 9th. There are 22 days left in the year. The following is compliments of the Wellness Navigator herself, @Christine Despres, taken directly from my newsletter, “Advice for the Good Life,” posted weekly to my advisory business website, www.joncgoodman.com. Suffice it to say, Christine is as good as they come for all things wellness in the quest for that happy, healthy, wealthy, wise life! Without further ado, meet Christine! 👋 Navigator and Holistic Health Guide: , Christine Despres, RN, NBC-HWC, CDP A More Peaceful Holiday Starts in Your Mind Inspired by the work of Dr. Daniel Amen December is a month filled with beauty, celebration, reflection — and often stress. Your brain feels every bit of it. The busier the season becomes, the more your mind craves calm, clarity, and direction. That’s why this is the perfect time to anchor into a simple, science-backed gratitude ritual. And as I move through Dr. Amen’s Elite Brain Health Coaching Course, I am more convinced than ever: when you fall in love with caring for your brain, everything in your life gets better. Why Gratitude Is a Brain-Boosting Power Tool 🧠 ⬇️ It lowers cortisol (your stress hormone). When you practice gratitude, your brain shifts out of “threat mode.” This calms your brain’s alarm system—and signals your body to produce less cortisol. Lower cortisol = less tension, fewer racing thoughts, better sleep, and a steadier mood. ⬆️ It boosts serotonin & dopamine (your feel-good neurotransmitters) Gratitude activates the same reward pathways that light up when something wonderful happens.This is why even a 30-second gratitude moment can create a noticeable emotional lift. 🔸Serotonin supports mood, emotional stability, and a sense of well-being. 🔸Dopamine boosts motivation, focus, and energy. The Holiday Gratitude Shift December can activate pressure, comparison, and emotional overload. Gratitude has the opposite brain effect: