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I'm turning 40 this December, and that's caused me to deeply re-evaluate my health. In high school I had wrestled at the 152 lb weight level and was a gymnast. In my 20s, I ran two 50 mile ultra-marathons and a half dozen marathons. I had a 33 inch waist and weighed 185 lbs. I could eat whatever I wanted and stay in good shape. But after a decade of doing startups, I found myself in my late 30s in much worse shape. My metabolism hit a wall when I turned 30, and although I didn't eat terribly, I also found it hard to figure out exactly how to get back to where I was in my 20s. My waist was 38 inches and I weighed 245 lbs; 93 lbs over my wrestling weight. My triglycerides were 33% above where they should've been. I'd imagine this happens to many of us as we get older, and I felt helpless as I watched all of this unfold, almost like it was happening according to some script that I wasn't in control of. Most of all, I was really disappointed in myself for not staying on top of my health, but I couldn't find the right balance of eating and exercising to change the path I was on. It felt like I was on a slow motion slippery slope as I got older and more out of shape.
When my daughter was born in 2013, I made myself a promise: I would be in as good of shape when I turned 40 as I was when I turned 30. I didn't want to have a hard time keeping up with her as she grew up. I started doing CrossFit twice a week that year. I signed up and completed a few triathlons. But my weight still wouldn't budge from 245 lbs, and my triglycerides, although lower, were still 15% above the max recommended range. CrossFit was making me much stronger, but that was only part of the puzzle. I had to figure out the rest, and I hadn't quite cracked it.
In December of last year, I realized I was running short on time: I'd really have to hump it to get back in shape within the next year, before my 40th birthday in December 2015. By this time I had upped my CrossFit schedule to 3x per week and I started rowing for 15 minutes before CrossFit started in the mornings. But that still wasn't enough: By April I knew I was going to have to take some much more drastic measures to reach my goal.
This blog is a story of those drastic measures, and how they're going. It's a deep-dive into the rabbit hole that we call 'health' as I see it. It's a journey that I invite you to take with me as we all get older, together. I am only starting to unlock some of the things that affect my body and I would love your thoughts and opinions as well in the comments below.
Let me also caveat this entire blog by saying that some of what I write about below is contrary to the things we've been told to believe, and I fully recognize that. I'm not a medical expert and I'm not telling you to throw away what you believe to be true. But just walk into all of this with an open mind, as I'm trying to do, and more importantly, be willing to try some of these things yourself if you also want to experiment a bit to try to find a better path than you've found so far.
About a year ago, I wrote a blog called "Show Me the Money: Six Strategies to Put Your Cash to Work," where I talked about two new(ish) investment strategies my wife and I were using. I wrote a followup blog about the first strategy, Electronically Traded Funds (ETFs), where I compared Betterment vs. Wealthfront. Now here is a followup on the second newish strategy that you're probably not yet trying out, but absolutely should be: Peer to Peer lending... or put another way: Lending money to complete strangers as an investment strategy.
I'm going to write this blog as a step-by-step how-to guide on trying P2P lending. Don't think you have enough money to become an investor? Wrong. Just set aside $25 to invest in each of the 2 biggest platforms. Seriously, who can't part with $50 to try something that will change your perspective on lending?
First, more on what P2P lending is:
I'm going to share a story about the forest vs. the trees. But it's not the story you're expecting to hear.
My last blog post was about Doing Less, Better, which is my theme for 2015.
A big part of doing less, better is achieving focus. But that very word is often misunderstood. Focus means the elimination of distractions, not the mitigation of distractions. Let's dig into that more deeply:
The first hard thing in a startup is knowing what to focus on initially. When you first start, you don't have strong product/market fit in anything, so like any good LeanStartup you might start with a hypothesis and work through the build --> measure --> learn cycle as quickly and effectively as you can. The key is to find some early area of traction & demand that you can build off of.
There's a great article in the NYTimes about Slack, a new startup that the Valley is buzzing about. Slack is a business messaging & collaboration app, and it's really, really good. The reporter in the article questions whether this year-old company is really worth $2.8 billion.
Slack is not good because it has a ton of features. In fact, it's missing the things that I would expect it to have.
It's good -- and worth its valuation-- because it does less, better.
The things Slack chooses to do, it does insanely well.
This new startup, Jet.com, is looking to be the Costco of the web, and to undercut Amazon's prices by an average of 10%. They won't focus on speedy 2 day "prime" delivery. Instead, by being a member and paying a $49 annual fee (like you do with Amazon or with Costco), you'll get access to discounts, but the products will take longer to ship to you. This is a great model for non-time-sensitive things, like re-ordering diapers.
But the best part of it is how they're building a pre-launch interest list: When you sign up, they give you a unique sharing code. For example, mine is https://jet.com/#/ji/cj2tx and I'm currently member 124,837 of 124,877 on their interest list. The more people sign up based on your code, the more rewards you unlock. That's not all that new or innovative -- but the part that's great is that they're offering lifetime memberships and even stock options to their top sharers. Which is a great marketing move, although the reality is that getting 100k options doesn't mean much unless you know how many total shares are issued, and what the strike price is. But it's marketing genius!
At a recent DFJ venture capital conference, I heard the story of Arash Bayatmakou.
He fell from a 3rd story balcony a few years ago and landed on his neck, paralyzing him from the chest down.
Incredibly, he's determined to walk again. We exchanged emails after the conference and he signed off with this:
A high five, coming from a guy who's facing incredible challenges every day just to get back to doing the things we take for granted. I loved it, and decided that from now on, I'm going to sign my emails with a high five as well, as a tribute to him and his positive attitude.
Time is our most precious asset, and none of us know how much of it we have left.
It's ironic, then, how easily we let it slip away. An hour for a meeting, an hour in traffic.
Next time you get asked to spend an hour doing something, just hold it up to this filter before you decide:
I'm going to share one of my most powerful negotiating techniques. The funny thing is that up until a year ago, I didn't even realize this was a technique -- I thought everyone did this. But apparently not -- here's the backstory:
But before we get started, remember what Spiderman was told: "With Great Power Comes Great Responsibility." The technique I'm going to share with you can be abused, and when it is, you'll come off as a total jerk. That might be fine if that's what you're going for. But make sure you focus on using it responsibly. More on that at the end.
I absolutely love this video of Zuck talking about Facebook back in 2005. If I had been in that room, I wouldn't have been able to guess that Facebook would become a $180+ billion company.
The best part: Zuck describes Facebook in minute 1 as an "online directory for colleges." Not only does that not like a billion dollar business, but it also sounds like a terrible startup idea.
The lesson: The key nugget is "I launched it in Harvard in early Feb 2004, and within a couple of weeks, 2/3 of the school had signed up". That is an incredibly strong signal that there's a really good initial product/market fit. This is a recurring theme that also permeated Y Combinator's recent Startup School, which talks about the importance of finding product/market fit above all else.
The kicker: I love how, in minute 3:55 Zuck is asked "And where are you taking Facebook?" He responds with "I mean, there doesn't necessarily have to be more."
The richest 1% of Americans have access to great financial tools and advice: Firms like Goldman Sachs provide them with (legal) tricks like Tax Loss Harvesting (TLH). Never heard of TLH? Neither had I until my buddy Andrew Dumas, after reading my post titled "Show Me The Money: Six Strategies to Put Your Cash to Work," mentioned a new startup called Weathfront that was on the cutting edge of ETF fund-based portfolio management. This opened a whole new world of investing up to me, which I'd like to share with you.
But first some background: In my past blog post I talked about ETFs, or Exchange Traded Funds, which are a class of funds that create a basket of stocks based on a particular segment of the market. For example, in the past if you wanted to invest in technology companies you basically had two options: You could pick the companies you thought would be the winners, like Google and Yahoo and buy stock in those directly, or you could invest in a mutual fund that has an expert who picks the companies, and you'd pay a management fee for his or her expertise. But ETFs offer a third choice, and it's worth really understanding how they work. Here's a description from Wikipedia: