Dollars and Diagrams

Optimally Balancing Your Money, Time And Health


“When you are young, you have time.  You have health, but you have no money.  When you’re middle-aged, you have money and you have health, but you have no time.   When you’re old, you have money and you have time, but you have no health.  So the trifecta is trying to get all three at once.” –The Almanack of Naval Ravikant

Fellow LPL financial advisor Mark Leibman shared this on social media and it really spoke to me.

How can young high earners apply this to your life?

First, understand what your time is worth.  If you make $400,000 per year, your time is worth roughly $200 per hour ($400,000 dividing by a 2000-hour work year).

Now that you know what your time is worth, outsource as many activities as possible that cost less than $200 per hour.  For example, it might take you 3 hours to mow your lawn on the weekend.  Can you get somebody to do this for less than $600? Probably.

This is three hours that can be spent with your family, loved ones, or doing activities that you love.

Consider using your money to invest in your health.  Hire a personal trainer.  Join the boot camp.  Invest in eating the healthiest foods.

I find these are some of the best ways to invest in your best life.


Information in this material is for general information only and not intended as investment, tax or legal advice. Please consult the appropriate professionals for specific information regarding your individual situation prior to making any financial decision.


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