Capitalogix

To Rebirth & Spring Cleaning

Next Sunday is Easter, but yesterday was the first night of Passover - an 8-day long Jewish holiday that recounts the story of Exodus. 

The overlap can be seen in DaVinci's Last Supper, depicting a Passover Seder and Jesus's last meal before his crucifixion. 

 

 

Part of the Passover Seder tradition involves discussing how to share the story in ways that connect with different types of people, recognizing that everyone understands and relates to things differently.

To do this, we examine the Passover story through the lens of four archetypal children — the Wise Child, the Wicked Child, the Simple Child, and the Child Who Does Not Know How to Ask.

The four children reflect different learning styles — intellectual (Wise), skeptical (Wicked), curious (Simple), and passive (Silent) — and highlight how we must adapt communication to the diverse personalities and developmental stages of our audience.

This seems even more relevant today, as we struggle to come to a consensus on what to believe and how to communicate with people who think differently. 

 

On a lighter note, one of the memorable phrases from Exodus is when Moses says, "Let my people go!"  For generations, people assumed he was talking to the Pharoah about his people's freedom.  But after a week of eating clogging food like matzoh, matzoh balls, and even fried matzoh … for many Jews, "Let my people go" takes on a different meaning.

After Passover, and as we enter a new season, it's a great time for a mental and physical 'Spring Cleaning,' and delve into your experiences to cultivate more of what you desire and less of what you don't.

Here is to Spring, Re-Birth, and Spring Cleaning.

Hope you had a great weekend.

Understanding the Shape of Change

Change is the only constant in life, yet it rarely unfolds in ways we expect. While we sense its approach, its shape — whether sudden and disruptive or slow and subtle — often defies our predictions. As the pace and scale of change accelerate, understanding its patterns becomes more crucial than ever.

The World Government Summit put together a helpful interactive website where you can test your knowledge on the trajectory of key statistical indicators for the development of society over the past decade. Here is the text from their opening screen.

 

Can we estimate how much the world has changed in a decade? Or do our own experiences impact the perception of progress? This work challenges the assumptions we make about how key statistical indicators regarding Health, the Environment, or Education evolve through the years. 

- The Shape of Change via the World Government Summit

The first part of the process was designed to be like a guessing game where you try to predict the direction and the rate of change of key issues shaping the world (like oil dependency, pollution,  literacy, economic freedom, etc.) by answering some questions at "The Shape of Change." It is simple, easy-to-use, and has a nice interface ... but answering the questions was more challenging than expected. Try it here. 

 

The Shape of Change via the World Government

The second part of the experiment lets you explore the year-over-year changes in key statistics regarding health, education, economy, and other topics.

 

The Shape of Change via the World Government

If you want to explore this further, I asked Perplexity to give me a broad overview of the project and its key insights. Here is the link.

The data is interesting. But, perhaps, your reaction to the data is more important. 

Were there any numbers that surprised you?

How Americans Spend Their Money

I’m sure you remember  James Carville’s famous line, “It's the economy, stupid.”

Seasons come and go, as do political regimes, but one constant remains: people focus on the economy ... and their wallets.

Recently, my inbox has seen a deluge of wild claims about spending, waste, inflation ... and worse.

This morning,  I saw several sources citing Robert Kiyosaki’s recent warnings of an impending market crash, massive layoffs, depression, and even war.

Mass market hype aside, I thought it would be interesting to examine these issues and how typical Americans spend their money.

A quick glance shows that household debt recently approached $18 trillion, and credit card debt surpassed $1 trillion. 

But, why? 

The chart below came from VisualCapitalist. It shows “How Americans Spend Their Money.”

 

via visualcapitalist

Unsurprisingly, almost half of consumer spending goes toward housing and transportation. 

While this has slightly outpaced inflation, it hasn’t by much. 

Meanwhile, spending in some areas surged well beyond wage and overall inflation levels. For example, Americans spend 21% more on food than in 2021. A closer look shows that the cause isn’t just inflation. Food and beverage companies increased their operating profits by 79% from 2019-2023. 

Educational spending and healthcare spending are also rising.

How do you think the Trump administration’s actions will impact the economy and the wallets of typical Americans?

Many of my close friends and advisors are optimistic about the Trump administration’s actions and expected impacts. However, as I’ve often noted regarding technological change, people are good at noticing big turning points – but struggle with predictions about the second and third-order consequences of these shifts.

How do you see this playing out?

Here Are Some Links For Your Weekly Reading - February 9th, 2025

Here are some of the posts that caught my eye recently. Hope you find something interesting.

Lighter Links:

• OpenAI's Deep Research Smashes Records for the World's Hardest AI Exam, With ChatGPT O3-Mini and DeepSeek Left in Its Wake. (TechRadar)
• You Can Try DeepSeek’s R1 Through Perplexity—without the Security Risk. (FastCompany)
• The Recruitment Effort that Helped Build Elon Musk’s DOGE Army. (Wired)
• Humans are Evolving Before Our Eyes on the Tibetan Plateau. (ScienceAlert)
• How to Naturally Boost Your Dopamine, Oxytocin, Serotonin, and Endorphins. (FastCompany)

 

 

Trading Links:

• The True Cost of a Super Bowl Ad? You Don’t Want to Know. (FastCompany)
• Trump Says America Was at Its Richest in the Late 1800s. Is That True? (MarketWatch)
• The “5 Types of Wealth”: Why You’re Wealthier Than You Think. (BigThink)
• America’s Most Generous Philanthropists 2025. (Forbes)
• Why the AI World is Suddenly Obsessed With a 160-Year-Old Economics Paradox. What Is It – And What Does It Mean Today? (NPR)

 

 

Happy Birthday, Mom

Yesterday was my Mother's 85th birthday. 

Her children surprised her with over 60 family and friends at dinner last night. Here is a photo of us with her at the party.

My mom is quite the woman. She went to Cornell, taught Spanish Literature at Temple University, and has volunteered for countless good causes. At 40, as her kids became more self-sufficient, she decided to go to law school and become a lawyer to help those who needed it most. That doesn't even begin to capture it! For example, she still serves as a museum docent and is an active member of many clubs and organizations. In addition, after my Dad died, she chose to serve as a hospice counselor to help families going through that difficult time. After doing that for a while, she decided that she wanted to continue – but in a more positive way. So, to help make things better and easier to bear, she became a clown to bring light to people struggling. That is not a sentence I imagined writing a few years ago.

My mom also loves poems, wordplay, and puzzles.

As part of her celebration, we had everyone (OK, almost everyone) write poems for her. 

I did not write a poem (though I did write something) ... and I also chose not to use ChatGPT (or any other large language model) to help with what I wrote. 

I feel like I should explain that. What I did write, came from the heart.

If my goal had simply been to come up with a poem, I would have used ChatGPT or one of its competitors. The truth is, many people at the event did exactly that, and I was surprised at the quality of their output.

With that said, there's something meaningful about the process of thinking deeply about something (in this case, my Mother) and choosing which things to highlight (or set aside), what to poke fun at, and which things to express gratitude for. The act of thinking and writing is valuable ... separate and apart from the output generated.

The same is true for your life as well. Being and Doing are both important. 

Your identity and strategies combine to create the life you are living. Said a different way, the things you choose to focus on (and what you make them mean) shape your perspective and guide your actions. 

That is also why it's vitally important to consciously create a compelling future that calls you forward (and keep score by tracking your progress in ways that resonate with your values).

Here is a small excerpt from my love note to my Mother.

The Golden rule says “Do unto others as you would have them do unto you.” But sometimes, it’s important to remember to be as kind to yourself as you are to others.

As I think about you and what I wish for you, Mom, it’s that you’re as kind and understanding to yourself as you’ve been to those around you.

It’s important to recognize the progress you’ve made with the good you’ve done, rather than what could have or should have happened - or how many things you still feel the need to do.

I think one of the most useful definitions of “intelligence” is that it is the ability to get more of what you want - and for you, Mom, I think that is a sense of happiness, contentment, and purpose. In your words - a Happy Heart.

Happy Birthday, Mom … and many more! 

I suspect we all know the power of purpose. With a big enough WHY, the HOWs don't seem to matter.

The average age at this party was probably 80 – and at least one of them was 100! Think how important it is for them to have a sense of purpose and accomplishment!!

But if it is important for them ... it is probably more important to you because of something I call The Time Value of Life (which we'll discuss next week).

How To Achieve Your Personal Goals in 2025

A few weeks ago, I shared an article about annual planning (and how Capitalogix does it.) 

This week, I want to discuss setting and meeting goals. 

I'm a big-picture guy, and I spend a lot of my time thinking about longer-term possibilities, but it's also important to think about your strategy for the coming year. I tend to break that up by Quarters. Lower timeframes than that are more tactical, and I consider that short-term planning or scheduling.

I think of it like using a map. To find the best route, you must start by figuring out where you are and where you want to be.

 

 

Activity, alone, isn't as important as many people hope. Think of it this way ... from where you are, there are infinite potential paths – but motion in a particular direction isn't "progress" if it doesn't take you toward your desired destination.

The right action is far more valuable than merely taking action ... and that means beginning with the end in mind. You are unlikely to hit the target if you aren't aiming at it.

Resolutions only work if you actually "want" to make them happen. It's one thing to hope that something happens; it's another to commit to making it happen. 

With that said, here are some tips. 

• Focus on What You Want.
• Focus on Why You Want It.
• Focus on Ways You Might Get it.
• Focus on Evidence of Progress.

Below, I'll take you through an example of each of the four steps.

Moving Towards a Solution, Rather Than Suffering From the Problem.

Like many people, I have three distinct collections of clothes: my "fat clothes," what I'm currently wearing, and my aspirational wardrobe. This personal reality reflects how our current state often sits between where we've been and where we want to go. Before I started getting healthy, my first instinct was to think, "I need to lose weight." Knowing that "you're fat" isn't helpful … my head quickly translated that to something a tad more positive yet generic, like: "I choose to be healthy and vital and to live a healthy lifestyle."

Blah, blah … They are just words. What I needed was something specific, measurable, and actionable. How about: "I will lose 15 pounds and stop eating after dinner?" OK, but that isn't inspiring, and there isn't much for me to do. I can do better than that—and I need to—if I want to commit to the outcome.

Figure-Out a Big Enough WHY, Rather Than Worrying about the HOW's.

This post isn't about health and fitness; it is about the mindset and techniques for setting empowering goals and plans in any situation.

So, while I could list many ways to lose weight (and I might even remember to do some of them), leveraging a driving force creates momentum. In other words, the first step in "Doing" is knowing WHY you want something.

I really do want to be healthy, fit, and vital (it sure beats the alternatives), and I want to have the energy and confidence to live and enjoy my life fully. The world is my playground, and I want to take advantage of more opportunities to play with family and friends. However, to do those things, I must find better and more sustainable ways to live a healthy lifestyle.

The WHYs are just as important for business goals, too.

Focus on Potential Solutions Rather than Problems or Challenges.

Obstacles Exist. The bad news: I don't eat fish, and I don't like vegetables (unless French Fries are vegetables). My joints aren't close to healthy from years of violent contact sports. I rarely get 7 hours of sleep, and being the CEO of a startup is stressful. The good news: none of those things matter, and even if they did, it just would mean that I have a lot of room for progress.

It is natural to focus on obstacles, but most obstacles are surmountable—with a big enough WHY, I might even choose to start eating vegetables. Instead of dwelling on limitations, use them as a reminder to focus on potential solutions. They are beacons pointing the way.

How do you do it? To focus on solutions, you can make two action-based lists: one is of things To-Do ... and another is of things Not-To-Do.

Here are some of the sample To-Do Items:

• I will drink more water than coffee.
• I will stretch or do basic calisthenics on days I don't go to the gym.
• I will make a healthy shake as a meal replacement rather than a snack or mini-meal.
• I will focus on relaxation and meditation as much as I focus on strength & physical exercises.

Here is the actionable list of Not-To-Do Items.

• I will not buy bigger pants or wear stretchy pants because of an expanding waistline.
• I will not eat snacks out of their container – and will portion out what I want first.
• I will not compare my current level of fitness to what I used to be able to do. Instead, I will focus on my actions and improvement.

Create Healthier Habits.

It is easy to follow a routine. So, here's another tip ... make your routine better. Here are some examples of things you could do to make 'being healthier' happen with less effort.

• Pre-sort your vitamins into daily doses, and keep them by the coffee machine.
• Buy healthy snacks, like fruit, raw nuts, or organic energy bars (instead of chips).
• Enjoy listening to music or a book/podcast during your "exercise time." Dedicating time to something doesn't mean you can't be multitasking.
• Choose to walk the dogs or park at the end of the parking lot, so you get to walk.
• Meet with friends at the gym or a hiking spot rather than at a bar or restaurant.

You get the idea. Get in the habit of looking for ways to create better habits. What habits could you alter slightly to make a big difference? Which things can you automate or outsource?

For three books about the subject, I recommend Tiny Habits by B.J. Fogg, Willpower Doesn't Work by Benjamin Hardy, or Atomic Habits by James Clear. 

Focus on Your Progress.

In this case, it really is about the journey. Instead of tracking how far you have to go ... notice how far you've come. Utilize an internal locus of control. It is about creating energy, momentum, and a sense of possibility. You may have a big, hairy, audacious goal in mind. That's fine, as long as you realize that reaching each milestone along the way is still an accomplishment.

• Find shoes that don't hurt your feet.
• Pick a gym or a personal trainer that you enjoy.
• Run more than two laps without stopping.

It doesn't matter what they are ... they all count as long as you know you are moving in the right direction.

Summary

The point of this exercise was not really to focus on fitness. These techniques and goal-setting tools work in any situation. The principles are:

1. First, determine what you want and why it is important. Then, focus on only the few things that are truly important to you. 
2. Second, find something you can do right now that will move you in the right direction.
3. Third, notice which things create (rather than take) energy. Spend your time on those, and automate or create routines to take care of the rest.
4. Fourth, plan forward but measure backward. Set milestones so that you can recognize and celebrate your progress.

In my business, this translates to having a mission and vision – defining what we want, why it's important, and the basic strategy to achieve it. Then, we create yearly "Big 3" goals that move us toward that long-term vision. Then, the team creates SMARTs (goals that are specific, measurable, attainable, relevant, and timely) and KPIs (key performance indicators) or OKRs (Objectives and Key Results) that measure evidence of success. Doing those things lets the team know where to spend their time and whether they're on the right track.

It isn't magic, but it works.

Hope this helped.

If you're interested, here are a few more articles I've written on health and longevity. 

• Getting Healthy: Creating A New Normal
• Living Longer and Healthier
• Snake Oil Or Cure?

Onwards!

Thoughts From a New Beginning

My son Zach got married this weekend. 

Watching how thoughtfully and carefully they planned the wedding to keep it intimate and meaningful was heartwarming.

The wedding was for them, with parents and siblings as the only guests. They did it at the location of their first date, had their favorite desserts, and wore non-traditional outfits. I believe they will have a party in the spring.

A wedding is a significant life event. So, I’m sharing a few of the thoughts it triggered.

Since they were born, I have been struck by how similar and different my two sons have been. My older son, Ben, is very analytical and yet surprisingly heart-centered, while Zach is very emotionally-centered and yet very intelligent. That slight difference in their center of gravity has been impactful. Ben has always been a “less is more” kind of guy, while Zach has always been a “more is more” kind of guy.

Nature is funny ... and I believe that how you do something is how you tend to do almost everything. For example, Ben always had a plan — yet, Zach was different ... until he fell in love with rugby, and everything changed. I saw him approach fitness, health, schedules, time, and almost everything differently. That exposes an interesting truth - You don’t tend to win races you don’t want to win. Something deeper has to inspire the effort. When you find something deeper, the rest becomes easier. Even in his 30s, rugby is still his passion. 

As a parent, a small part of me wished that Zach’s focus on rugby had gone to school or business or something ... But that’s not how I really felt. As a father, I knew that once I saw that he knew how to focus on what he wanted, he could focus on anything he wanted. Because once he knew how to do it for one thing, he could do it for anything.

It was like that for me when I met Jennifer – everything changed. I knew so fast. So, when I saw how everything changed for Zach when he met Sloane, I knew the same thing happened.

Here's how I knew he really loved her. Zach’s favorite food groups are cheese fries, bacon, and extra grease. So, his falling in love with a gluten-free vegan (and not only tolerating it – but defending it) showed me something massively important. For the record, he’s been protective and focused on Sloane ever since. And because of that, I know how this turns out.

I want to say how proud I am of Zachary and how happy I am for both of them as we welcome Sloane to the family.

Her love has brought out the best in Zach, and we can’t wait to see the life they’ll build together.

That reminds me of something I thought about several times during the wedding ... it is that love is both a noun and a verb. It’s a thing (a state, a feeling, or even a target) … but it’s also something that you can choose, commit to, and do. The noun without the verb is frustrating - because you couldn’t move towards it and would have to get lucky to experience it. But the verb without the noun would be exhausting because you’d always be searching without finding or driving toward something that you don’t arrive at. This perspective on love as both a state and an action resonates as a natural truth for me. It is like inhaling and exhaling ... one without the other is futile.

How Hard Is It To Run A Business In America?

Running a business is hard. Of course, most people know that – but now VisualCapitalist has put together a chart to help visualize that sentiment. 

 

via visualcapitalist

20% of companies tracked failed in the first year ... and only one-third last a decade.

The numbers are worse than that in tech, mining, and oil & gas. Interestingly, those industries receive some of the largest government subsidies. 

But, if you are reading this, chances are that you are a survivor. So, take pride in knowing the odds you've overcome ... and be thankful. 

It is Thanksgiving this week.

Onwards! 

The NFL's Halftime Hack

When you think of food meant to help athletes, you might think back to when parents would give orange slices or Gatorade to kids during soccer games. Now, fast forward your thinking to the best options available to fuel today's performance athletes. What do you imagine they would use before or during a game? 

I quickly went to protein bars or energy gels (like GU) ... But, I was wrong.

According to research from The Athletic, The NFL's favorite halftime energy booster is now the uncrustable.

What is that? An "uncrustable" is a crustless sandwich consisting of a filling between two layers of crimp-sealed bread. They are convenient, portable, and they tend to come in homey flavors like PB&J. While you can theoretically make one at home, Uncrustables, in this context, are made by Smuckers. 

The Athletic via X 

Based on this math, it's reasonable to assume that NFL teams go through ~4000 Uncrustables a week (on top of however many PB&Js or other sandwiches they consume). Regardless, it is a lot. 

Why the sudden surge in popularity? It's a combination of factors:

• Nostalgia and Comfort: The uncrustable taps into a sense of childhood nostalgia, offering a comforting and familiar taste.
• Nutritional Balance: It provides a balanced blend of carbohydrates for quick energy, fats for sustained power, and protein for recovery.
• Convenience: Pre-packaged and mess-free, uncrustables are perfect for a half-time snack when you have very little time to eat. 

If you think about it, it makes sense. PB&Js are universal. Regardless of geographic region, socioeconomic status, etc. – it's a staple. 

They're easy to digest, convenient, and comforting. Hitting all the marks a professional athlete might be looking for. 

Even in a high-tech world, people still crave simplicity and effectiveness.

I've never had one ... but now I kind of want to try. On the other hand, I'm pretty sure they used to call this a Pop-Tart. But I guess that just makes me seem old.

The Human Experience Is An Endurance Sport ...

Life can be hard. For most of our existence, even 'living' was difficult. But humans survived and multiplied not because of their speed or their ferocity ... nor their comparatively flabby bodies or bipedal motion.

It was endurance.

In history, it wasn't the strongest that survived but the most adaptable and the most enduring. 

Some take that to impossible heights. 

That's where Ultrarunner Nedd Brockman comes in. 

You might have heard of Ultramarathons. Ned took it a bit further. He managed to run 1000 miles in 12 days ... and he did it around a single track. Since he's Australian, we'll call it 1600 kilometers. 

 

via 7NEWS Australia 

Nedd is an electrician turned ultrarunner in Australia who raises funds for good causes. In this case, he raised funds to support homeless Australians. 

While he was originally trying to beat a world record in his attempt to run 1000 miles, even when he missed that mark, he kept running. Through swollen feet, hip issues, injured toes, and more ... he kept running. 

As a result, he raised over $600,000. He ran for 12 days, 13 hours, 16 minutes, and 45 seconds. He averaged 79 miles of running a day. 

Over the course of Nedd's Uncomfortable Challenge series, he's raised over $1.9M for charity.

Though this may teeter on the "stupid" side of endurance, this is clearly a testament to the indomitable human spirit and challenging our limits. 

“I just never could have imagined it to be this bad. And I’m forever grateful for it all. Wouldn’t change a ... thing. Post traumatic growth coming right up.”

How are you challenging yourself today?!