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Month: May 2019

Most Sharks are Actually Just Dolphins or Seals

Posted on May 28, 2019 by 5 AM Joel

Most of my surf sessions are between 5 and 7am. The conditions are perfect, there are no crowds, and it’s a great way to start the day. But it can be scary… Because when you’re in the ocean before sunrise, it’s completely dark, you’re all alone in open water, and all you can think about Read more about Most Sharks are Actually Just Dolphins or Seals[…]

Posted in Motivation, Other Stuff!4 Comments

Alcohol and Finances

Posted on May 20, 2019 by 5 AM Joel

  Food is a necessity in life. Water is a necessity. Shelter is a necessity. These are the basic things we need to survive. But after these must-haves are covered, what is the next priority on the list? For my wife and I, it’s alcohol. At least that’s what our annual spending reports tell us. Read more about Alcohol and Finances[…]

Posted in Financial Independence, Frugality22 Comments
Asshole Flowchart

Rule #1: Don’t be an asshole.

Posted on May 20, 2019March 1, 2020 by 5 AM Joel

It seems like a pretty easy rule to follow. People usually don’t intend to be assholes. But for some reason it ends up happening from time to time. It happened to me the other day… I caught myself being rude for no reason. So I drew the below flowchart to help remind me of this Read more about Rule #1: Don’t be an asshole.[…]

Posted in 5AM Daily Emails, MotivationTagged Monday
University of Life

No College Education – No Worries!

Posted on May 13, 2019May 16, 2019 by 5 AM Joel

I never went to college. It’s not because I didn’t have the time or the money… It’s because I didn’t have the patience or maturity. Back then, I was an ungrateful little shit with a bad attitude towards education. I was convinced that school was for fools. In hindsight, the only fool was me. I Read more about No College Education – No Worries![…]

Posted in Other Stuff!11 Comments
How to stand out on Monday

How to STAND OUT on Mondays

Posted on May 13, 2019August 14, 2020 by 5 AM Joel

Standing out on Mondays is easy!… (Just do the complete opposite of what all the regular people do) – Be alert while others are sleepy – Smile and be happy while others are grumpy – Get stuff done while others are procrastinating – Work hard while others are hoping and wishing life will magically get Read more about How to STAND OUT on Mondays[…]

Posted in 5AM Daily Emails, MotivationTagged Monday
disaster or opportunity?

Rejection: Disaster or Opportunity?

Posted on May 3, 2019March 9, 2020 by 5 AM Joel

Yesterday I got some bad news. I was turned down for a job I applied for. Not just any job, this one I would have been perfect for, and I was very very very excited about the position and company. Rejection sucks! I’ll be honest with you guys… I feel pretty shit right now. And Read more about Rejection: Disaster or Opportunity?[…]

Posted in 5AM Daily EmailsTagged don't stop, never give up

My name is Joel. Every day I get up at 5am and send a short, positive message to friends, co-workers and strangers from around the interweb. I also blog about personal finance, real estate investing, and early retirement. Read more.

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SITE DISCLAIMER: Everything on this site is for information purposes only and should not be considered financial or legal advice. I am not a financial advisor, accountant or tax professional. No one should make any investment decision without first conducting his or her own research and due diligence.

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