Good day to you Reader, There was a famous 2010 Princeton study that reported your happiness goes up with income up to around $75,000 a year. It's because at that point, your basic needs are covered and the stress of survival starts to wane. A follow up study in 2023 by the University of Pennsylvania found that happiness increases linearly with income up to $500,000. But happiness is not the same as peace. I wonder at what salary or net worth does feelings of insecurity and anxiety go away? I...

Good morning Reader, In a few days, we'll be celebrating the 4th with good friends and it's a fun mid-year reminder that it's good to celebrate from time to time. How will you be spending the 4th? (View this email as a webpage) 🥳 This is why rituals are important I wrote this article in the fall, hence the emphasis on pumpkin spiced lattes, but it explains how rituals can elevate every day experiences. It's a life lesson I try to bake into everything our family does and I think it works quite...

Hello Reader, It seems like every year we get a new name for a weather event and this week it was "heat dome." I was just in Dallas, Texas and returned to Maryland where it was hotter. It was 91 when I left Texas and it was 97 here! (My wife took a picture of our thermometer and it said 102!) If you're experiencing the heat dome too (which hopefully is ending today), stay cool! (View this email as a webpage) 📚 Retirement savings waterfall If in the wealth accumulation phase of your life,...