The Top Ten Best Investments You Will Ever Make

The Top Ten Best Investments You Will Ever Make

An Essay on Wealth, Time, and the Architecture of a Life

We spend much of adulthood thinking about “investments” — the ones we should have made, the ones we regret, the ones we hope will finally deliver. But the truth is that the highest‑yield investments are rarely the ones your bank manager talks about. They are the ones that compound across decades, protect your future, and shape the lives of the people you love.

This is not a list of financial products. It is a list of the ten most powerful ways a human being can invest in their future — in money, in time, in health, and in eternity.

Most of these assume that you have cleared any interest-bearing debts, and that you want to create a store of wealth so that loved ones can have ongoing security after your own upgrade. Then the final, bonus one is about the actual upgrade.

None of this is personal financial advice and so you can’t sue me for anything. If you want some good advice, you should find a properly licensed accountant in each of the jurisdictions where you have a footprint. Usually that will be money well spent.

10. Your Home

A house is more than a structure. It is the anchor of your life: the place where your children grow, where your memories accumulate, where your identity settles. Financially, it is the quiet compounding engine that works even when you are not paying attention. Inflation lifts it. Scarcity protects it. And unlike most assets, you can live inside it.

A home that you love and a place you can feel safe and well is a baseline for many other of life’s good things.

A house is the first investment that teaches you the difference between price and value.

For most people, especially of an Anglo-Saxon mindset, the home is the biggest investment that they knowingly make, but in fact it is ony number ten on my list here today.

In many countries mortgage lending is the cheapest form of lending and also come with tax incentives, however one still has to avoid making basic errors around the mortgage loan. Such as, taking so-called “endowment” or “interest-only” mortgages, or mortgages framed in a currency which you have no natural hedge for, such as the Swiss franc mortgages that used to be popular in Poland.
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Ten things to do for health (other than prayer and Bible study)

Here’s your 10 things that need to be done and best to do all of them:

  1. Intermittent fasting and sometimes longer fasting
  2. Keto (avoidance of carbs)
  3. Supplementation with broad range vitamins and minerals, especially going overboard on vits D and C
  4. Sufficient sleep every night.
  5. Metabolism improving foods rich in polyphenols and MCTs
  6. Anaerobic exercise such as weightlifting (recommend Starting Strength method)
  7. Aerobic exercise, such as 10,000 steps
  8. Portion Control, don’t eat too much even of what’s healthy – what you don’t eat is more important than what you do eat.
  9. Lay off the alcohol. It gets in the way of almost all the other points here as well as having risks of its own.
  10. Monitor progress regularly, both in terms of weight, and body shape, and ability to do more.

 

That’s the high level thing. Obviously it’s necessary to research into some of these a bit more to know what kinds of food or exercise are meant in each case, and Gundry’s books all contain lists of do foods and don’t foods.

I haven’t made a big deal out of saturated and non-saturated fats, what kind of casein is OK and why sheep and cgoat milk is usually better or olive oil better than some other oils.  I find that in my case if I only keep to all the above I can lose the weight. If I don’t, then it starts coming back.

Can I keep my aquarium in my bedroom?

The important thing is a nice even level service on something strong enough to take the weight, which could well be a chest of drawers in a bedroom.  Certainly you do have to check it will take the weight you want to put on it.

You will probably be OK sleeping with the noise of a quiet filter. One should never switch the filter off for the night and then switch it on again in the morning.  And neither can you do that to the heater. The light you do switch off, and then it is a question of either remembering to switch it on in the morning or having a timer switch.

Just make sure there’s still room for the bed!

There is nothing unhealthy about sleeping next to a fishtank, if that’s what you are worried about. As long as you keep it clean. The exception is if you keep an octopus as this will wait till you go to sleep and then lift the lid, sneak out and get on your face like that thing out of alien. Just kidding.

 

My own case

I personally have been sleeping with a tank filter in the room working all night for maybe twenty years or more as indeed I did as a boy. I rarely get disturbed by the filter noise – only if it is lying against something which reverberates. If you have this problem then either use suction pads or adjust the position of the filter vis a vis the hood.  This is actually a good argument for avoiding the kind of tank sets where everything is built together.
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HNY 2010

Original YT playout date: 3 February 2010
Duration: 10:46

The Dawn of a new Decade. Weighing in at 134 kgs these eleven and a half years ago, and this week I think I have about the same weight, but I am in ketosis so I expect to drop a bit soon.
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Warsaw Marathon 2009




Original YT playout date: 3 October 2009
Duration: 1:10:52

I walk a third of the marathon track, with shortcuts, so as to see some of the runners three times over.

Statistics and Credits
Views at the time added to HTV: 738
Likes at the time added to HTV: 1
Dislikes at time added to HTV: 0
Popularity % ” ” ” =L/(L+D): 100.0%
Comments at time added: 10
Total interactions at time added: 11
Total interactions to views 1.5%
Location: Around Warsaw
Other people featured: Many runners
Genre: Walking
Music used: None
Languages used: English, Polish,
Animals/plants featured: None