Money Rehab with Nicole Lapin - Tim Ferriss (Pt 1) on Biohacking Basics and Rewiring Your Money Mindset

Episode Date: December 3, 2024

This week, Money Rehab is guest-hosted by investor and entrepreneur Tracy DiNunzio. Today, you’ll hear part one of Tracy’s conversation with Tim Ferriss— the godfather of podcasts, 5x New York Times bestselling author, entrepreneur, investor (early Uber, Facebook, Shopify— and Tradesy!). In this episode, Tim unpacks why he’s abstaining from alcohol…and more, separates fact from fiction when it comes to biohacking, and shares how to identify and repair toxic money mindsets. Tomorrow, you’ll hear the second part of their conversation where Tim shares the daily routine he’s optimized for wellness and productivity, health hacks on a budget, and reveals his latest venture: finding a wife.  For more on Tim, click here.  For Tracy’s episode of The Tim Ferriss Show, click here.

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I'm Nicole Lapin, the only financial expert you don't need a dictionary to understand. It's time for some money rehab. Hi, it's not Nicole Lapin. This is Tracy Denenzio. And if you listened to yesterday's episode, you know that I'm here guest hosting for our dear Nicole while she's on maternity leave. My guest today is Tim Ferriss, a man who needs no introduction,

but I'm gonna give him one anyway. Tim is a world renowned expert on self-improvement and self-actualization. He's spent a lifetime studying and teaching the habits and mindsets of the world's most successful people. Tim has built, invested in, and advised huge tech companies like Uber, Facebook, and Shopify.

He's written five number one New York Times bestsellers. He's had his own TV show, and he's probably best known for his podcast, which has over a billion downloads and where he's interviewed everybody from Jerry Seinfeld to Tony Robbins to the dude from My Octopus Teacher. Tim brings free practical education into the lives of tens of millions of people across the globe. I've been lucky to call him a friend and a mentor and an investor for over a decade now. And I feel lucky to know the very generous man behind the impressive resume. Tim and I got together in New York and talked for so long

that we needed to split this episode into two parts. So today, you'll hear Tim talk about the biggest lessons he's learned from that star-studded guest lineup over the years, why he thinks money is just a story that we tell ourselves and how to tell yourself a better one. And he'll separate fact from fiction when it comes to biohacking. Tomorrow you'll hear Tim talk about so much more. We'll get his current daily routine and then we'll go really deep on relationships and money and who Tim is dating and where he's finding matches now. But for now, let's start with part one. Tim Ferriss, welcome to Money Rehab. Thank you. Nice to see you.

It's so good to see you, my old friend. I am so excited to have you here, especially right now, because I don't know if you realize this but we are almost exactly 10 years out From when you had me on your podcast on the Tim Ferriss show. It's back in the day. I know it flew right? Yeah, it's so fast. It's so fast and you were just getting started. I think I was something like episode 30 Yeah, and I have early days eight hundred or something something like that. So it's yeah So my first question is, do you remember that you were a little bit drunk when you interviewed me?

Early days, I'm guessing, just to defend myself, I'm guessing this was probably during South by Southwest. Am I wrong? I don't remember. My guess is that I may have had some type of commitment beforehand and that I would have had tequila No, okay. Or did I get drunk in the episode? You got drunk in the episode? You had wine?

Always a risky move. Is there any chance that you remember what you were drinking? For wine, huh? See I don't drink much wine anymore I would say I'm actually going completely dry this month, which is not a reflection of being drunk all the time otherwise. But I can talk about alcohol and podcasting. I learned pretty early that you have to really be strategic about how you mix those two. Because how you perceive yourself as sounding and how good you perceive your healer to be is actually quite a few notches above reality

when you get past, I would say, two drinks. But I'm gonna guess Rombauer Chardonnay. Nope. You remember what I was drinking. I remember what you were drinking. What was it? K Brothers, Amory Vineyard. Oh wow.

Block Six. Does this ring a bell to you? No, but that highlights how much of it I had. Okay, you were into it. It was like a wine that you recommended. So, have a little gift for you. Oh wow, look at this. Yeah.

Oh incredible. So this is a wine that you were drinking when we did our podcast. Holy moly. I was going down. That's really cool. Isn't that wild? That's really sweet.

Okay, so there's one difference though. This is a vintage 2013. You were drinking a vintage 2010. Do you remember what you paid for it? I don't, I have no idea. Okay, the bottle of wine you were drinking when we did our podcast together 10 years ago cost about $100 when you bought it,

but it now costs over $1,000. Really? Yeah. So that just proves that I'm not always a good investor. No. I sold early. Yeah, exactly, exactly. So this is 2013, because we love you, but not a thousand dollars worth. Thank you.

I don't even love myself a thousand dollars worth. Thank you so much. You're welcome. So this will be, I will break my booze fast with Block 6 Shares. Thank you. So booze fast, tell me about it. Every once in a while, I will abstain

for anywhere from a week to a month from anything that I think has become impulsive or over saturated in my life as a behavior. So what other things are giving up? I find it easier to abstain from multiple things at a time. I feel like the incremental cost of each additional abstinence is lower. So if you're going to abstain, I like doing more than one at a time.

I mean, I'm not sure we want to get in this right now, but no, we do. We want to. All right. No booze. Okay. No masturbating and no coffee for the next month. Which is the hardest? No. I'll let you, I'll just based on my response, I'll let you guess. Which is the hardest? No Based on my response I'll let you guess Really really but there's benefits to that I believe to the the most Biblical abstinence. Yeah, there are a lot of benefits. I just feel like anything that has become a

coping mechanism for when you feel Something you don't wanna feel, which could be feeling distracted, it could be feeling stressed, it could be feeling rushed, it could be feeling on edge. If suddenly you have a coping mechanism to deal with that, which can be very socially acceptable, could just be one glass of wine every night it could be Going out with friends to a party it could be Going to Netflix right it could be getting on your phone and wasting an hour for you to get a bet on Instagram

it could be any number of things and When I Suspect I may have one or more of those things, I like to prove to myself that I can stop. And also, this is not too technical, but basically reset my reward centers so that I'm not suffering from some type of hedonic adaptation with things

that should be rewarding, right? Totally of hedonic adaptation With things that should be rewarding Right totally hedonic adaptation. Yeah, it's true for money. It's true for Lifestyle inflation. It's true for so many different things and if you overindulge chocolate you eat it too much What happens you stop getting the same? Reward from eating said chocolate. So you either need something higher octane or you need more chocolate and I don't think that leads good places typically. So there are some places where adaptation is great. Weight training, exercise, fantastic. But those are positive stressors whereas a lot of the

things that we use as coping mechanisms, I would say are neutral or negative stressors. Yes, totally agree. How do I know when I am suffering from too much hedonic adaptation with all my little habits? If you find a I'd say if there's a degree of guilt associated with it, if you're like it would really be probably good for me if I dialed this back. Could be anything. Could be sleeping in in could be sleeping too much could be sleeping too little there isn't any specific category and it's not like I constantly take a fine-tooth comb over my whole life looking for these things I think that they're pretty obvious if somebody just sits down and reflects for a second what am I doing when I feel off kilter or I want to

Feel better. What do I do and let's look at the list of things if it's go for a run. Okay, cool if it's Overeat late at night as a binge probably not right So Look I screw up all the time too not to make it seem like I'm just hitting home runs and pointing at center fuel all day. It's not how life works. But I would say at least once a year I like to do an extended fast of whatever my latest list of It's not really a list like few compulsive things might be.

Could be sweet, right? I've gone a month without having anything sweetened. That would be an example. Is it hard in the beginning and then it gets easier? Yeah. Yeah. Yeah, for sure. Yeah. First week is the hardest.

Tim, every time I talk to you, I feel like I need to overhaul my life just a little bit in a good way. Just one degree. Yeah. One degree here, there makes a big difference. You've had conversations with hundreds and hundreds of the world's top performers. What are one or two of the biggest unlocks from guests that you've had in your years podcasting? In the 10 years. Just pick out the top ones. No offense. Just give me one or three. I would say off the top of my head a few that come to mind would be, and it's very, I'm gonna make a meta observation about this, first one which is 70 to 80 percent of the people I've interviewed have some type of meditation practice. It can take many different forms. It could be some type of repetitive exercise. It could be some type of seated meditation. But it also raises the question

for anyone who's studying successes in quotation marks. I think this is a very important stress test and that is or at least a skeptical stance you should take which is is this what made them successful? Or did they start doing this after they were successful? Okay, it's very easy to get those mixed up Yes narrative fallacy narrative fallacy. It's very easy to mix those up. So I don't really know the answer I don't know if it's possible to know the answer but it's suffice to say that very high percentage of some type of meditation practice, which has been a great motivator for me to do the basics. Like meditate 10 minutes twice a day is what I'm doing right now. Okay. Like first thing in the morning.

I usually meditate after I have a little bit of tea. Let's just say that's fair game. Try not to do it right after eating. I don't think that's fantastic. Tend to be a little distracted by the digestion. And then before dinner or before bed is usually when I would do it. In the middle of the day, I find too hard. I find it too hard with like

transcendental meditation there like 3 p.m. I'm like, that's a really, really inconvenient time. Before dinner or before bed. good for you for before dinner I'm like yeah, too distracted by hunger usually just use an app like make it easy do the easy thing first That's true with any type of new behavioral change like do the easy thing first if it's exercise like choose something you like And if you can't find something you like do the least Necessary not the most possible right if you're like I'm gonna make this New Year's resolution and exercise an hour a day. It's like, if you have no exercise habit, do 10 or 20 minutes, three times a week, start there. And then you can pass that

pass fail you've set for yourself. And you can always increase the scope of it, but set it up so that you can win in the beginning. So for me, 10 minutes twice a day, I can't legitimately excuse not doing that. If you don't have 10 minutes twice a day, you don't have your priorities straight at all. You have no control over your life if you can't save 10 minutes twice a day. So I'll use an app. There's an app called The Way with a guy named Henry Shookman that I've been using now for the last Month or so I invested in it a long time ago because I love Henry. He's actually on the podcast twice

He's a Zen master. I hate that term master, but he's one of the few Zen teachers one of three or four authorized to teach in the United States in this particular Zen tradition and I really find it deeply in this particular Zen tradition. And I really find it deeply settling in some way. Like the metaphor I would use, and I'm borrowing this from someone who wrote this a long time ago, can't remember the attribution, some Japanese monk, and said basically meditating is a practice,

it's called practice for a reason, because you may sit down and feel like you're doing nothing You may feel like your monkey mind is just going berserk with your eyes closed but each time you sit and you're still it's like taking a muddy glass of water and putting in just a little bit of Clear water and every time you sit you're putting in clear water and as you sit more and more It becomes more and more transparent

And the sediment settles and that's I think very reassuring for people who sit and they're like I can't do this I'm not built for this and it might take a while what I've noticed for myself is after and you don't need to use this App you can I think that the waking up app with Sam Harris is also great the introductory course specifically I think you could also do TM. I did TM for a long time TM Translational Meditation not trademarks. Yeah, and That's one observation I would say as it relates to this audience Seth Godin and I'm paraphrasing here. He is very wise and Leads a very unorthodox life that he's crafted through deep thinking and is a very present husband and father.

I really admire him a lot. And he has said something along the lines of money is a story. Past a certain point, money is a story that you tell yourself. So come up with a story that you can live with. I think that's really important. What does he mean by that? Hold onto your wallets. Money Rehab will be right back.

I love hosting on Airbnb. It's a great way to bring in some extra cash, but I totally get it that it might sound overwhelming to start or even too complicated. If say you wanna put your summer home in Maine on Airbnb, but you live full time in San Francisco and you can't go to Maine every time you need to change sheets for your guests or something like that.

If thoughts like these have been holding you back, I have great news for you. Airbnb has launched a co-host network, which is a network of high quality local co-hosts with Airbnb experience that can take care of your home and your guests. Co-hosts can do what you don't have time for like managing your reservations, messaging your guests, giving support at the property, or even create your listing for you. I always want to line up a reservation for my house when I'm traveling for work but sometimes I just don't get around to it because getting ready to travel always feels

like a scramble so I don't end up making time to make my house look guest-friendly, I guess that's the best way to put it. But I'm matching with a co-host so I can still make that extra cash while also making it easy on myself. Find a co-host at airbnb.com slash host. You know, there was this one time before I did my own money rehab when I checked my credit score and I realized I had no idea what it actually meant for my financial future. That's when it hit me.

It was time to get serious about my money. We've all had that moment, right? Whether it's saving for something big or finally paying off debt, we all get to a point where we need to make some real money moves. That's where Chime comes in. Chime offers a checking account designed to help you take control of your finances. With no monthly fees, no maintenance fees, and fee-free overdraft up to $200 with SpotMe. Imagine overdrafting and not having to worry about fees piling up. Chime's got you covered. Plus, Chime isn't just a financial tool.

It's a community. You can get boosts from friends to temporarily increase your SpotMe limit. And when you help someone out with their own boost, they can return the favor. Friends helping friends make progress. It's that simple. So why not make your fall finances a little greener? Open your Chime account in just 2 minutes at chime.com slash mnn. That's chime.com slash mnn, as in Money News Network. Chime feels like progress. And now for some more money rehab.

What does he mean by that? Money is and can be an abstraction of sorts. Be very hard to survive by eating your money, right? You're using it in exchange for other things. And so some people want success. Okay, what is that? And so if you don't define that very carefully for yourself, what does success mean?

Then you're gonna wander in a lot of unproductive directions. This is true with power. I know I always wanna be powerful. I wanna be free. Okay, what does free mean? So I think definition of terms is really important. And with money When we define it, it's really

Telling the story of what money means to you what it signifies what it enables or disables. What is the story? You're telling yourself. So for instance when I was younger, I didn't grow up. My family didn't have a lot of money So the story that I heard effectively because we were operating from a really scarce mindset, because we didn't have money. And it was never said this directly, but like if you have money, all your problems go away. Right? It's like, wouldn't it be nice if we had money?

If money only grew on trees, you have to have money to make money, which isn't true by the way. Then the story I subconsciously crafted from that had all these features that ended up not being true Right like that having to have money to make money not true and also like money will solve most your problems Not true money solves money problems How you relate to it is It will determine whether you feel like you have enough or not enough will determine whether you feel successful or not successful

How much of a role it plays in your life overall compared to other things? family personal interests Friendships where does money fit into the lineup? all of these I think are worthwhile questions to ask oneself because I know and you also have met some of these people people who have hundreds of millions of dollars or billions of dollars who feel like they just need to hit This slightly larger number and then they'll know everything can be okay, which is patently absurd, right?

But that is the story that they've chosen to tell themselves which is informed also by their peer group So if you have a billion dollars with all the people you're hanging out with have two five ten billion dollars Then you're not gonna feel successful If the story you tell yourself is that you measure that self-worth by the size of your bank account or stock portfolio Whatever it might be. So the way that Seth encapsulated that, as I interpret what he's saying, because he has made a lot of decisions in his life to, for instance, not start additional startups, and in place of that focusing on having dinner with his family every night and cooking with his kids and

Making the hand-carved canoes and all these various things that he's done And that's not by accident, right? He decided that and I'll give another paraphrase. Let me think about this This is from Tim O'Reilly who? founder of O'Reilly Publishing. At one point, maybe still very successful influential technology publisher. So if you want to learn C++ or whatever you would buy an O'Reilly book and I find him deeply fascinating and one of his quotes which goes well with Seth's is effectively money is like

Gasoline, but just make sure if you're on a road trip. The goal is not to do a tour of gas stations. Oh That's good. It's good. That's very good And I'm not getting the quote totally but you get the gist of it And I think a lot of folks end up doing tourism gas stations. That is also unhealthy. What are some of the things that like a bunch of wealthy successful people tell themselves or tell each other that becomes unhealthy? I think that one is rationalizing all sorts of reasons why they need to make more money because they often have been so fixated on

Competing to validate themselves and making money to validate themselves That they've let Most of their other interests completely atrophy. They don't know how to do anything else But after they've made X amount of money for some people, that's million dollars where they feel like they've made it. For some people, that's 10 20 100 million, a billion, whatever it might be. At that point. Am I allowed to curse? Okay, they can't say, I don't have enough money without looking like a complete asshole. Right? They

can't say that. Yeah, that has been taken away. So what do they do? They come up with all of these workarounds where they're like, now it's about compounded annual growth rate. What's the percentage growth rate now that I can't really with a straight face talk about some magical number I need. So now it's an addiction.

It's an addiction. So they shift to that, they shift to legacy, which is this very nebulous thing. And by the way, if you give your kids too much money, from what I've seen, it completely ruins them shift to that, they shift to legacy, which is this very nebulous thing. And by the way, if you give your kids too much money from what I've seen, it completely ruins them as far as I can tell. So that is also ridiculous. Come on. We don't even know.

Most of us don't know like Alexander the great's full name. So are you really going to be remembered like 200 years from now? Of course you're not like, come on, let's be realistic. So that whole fool's errand, I think is silly their aspects psychological aspects to it that I Can relate to right feel it fear of death mortality. Okay, fine. I get it. I think you're looking for something to Exist beyond you. Okay, fine. Yeah then there's the

I'm not gonna I'm not gonna give money to charity just yet Because if I just compound and then when I'm much older or dead, it'll be such a bigger number I'll be able to have so much more impact so much more generous. I call bullshit. I call a hundred percent bullshit Yeah, that is just people who are rich and stingy wanting to be richer. That's it full stop Because the problems are also compounding just like capital. So you could intervene with less money now to help bend the arc of history with respect to certain problems versus 20 years from now. I think at least for me it's important to have some identity diversification by maintaining some other deep interests

So that you don't paint yourself into a corner where you have one path for self validation and that is more money That is a really bad position to be in so Tim. What was it like for you? Did you have a number where you were like this will be enough? Have you made enough? Oh, yeah I mean, yeah, I've made enough number Number one, I don't really have a super high burn lifestyle. Yeah. I'm not cheap. Maybe I'm cheap with certain things, but... You're minimalist.

Yeah, I'm minimalist. Like, everything I'm wearing right now, except for the shoes, I got for free. Like, I'm not flashing a lot of fancy brand identity. You also rolled in here wearing, like, shorts. Yeah, I came in wearing shorts, which I also got for free. There is that. You can take the boy out of Long Island,

but maybe not the Long Island out of, I've got plenty of clothes. I've got more than enough clothing. I don't feel like I need more money. I'm very fortunate in that way. If you look at some of the decisions I've made over the last handful of years, they are clear indicators that I have come to that realization

in the sense that, for instance, before we started recording, and maybe some of it was included, who knows? But we were chatting about recording and how impressive this entire studio is and how my recording studio basically fits in my backpack. Two turntables and a microphone. Yeah. That's Tim's whole setup. It's two lav mics that I could hold in the palm in my backpack. Two turntables and a microphone. That's Tim's whole setup.

It's two lav mics that I could hold in the palm of my hand and one headset if I'm doing recordings remotely. That's it. It can literally fit in my backpack. I could have four such studios in my backpack, no problem, and have largely minimized video in part because I do not want to have a fixed location I do not want to require people to travel to me. I want flexibility and options all of that is that great financial cost

Because if you did video and had a whole studio and a bit of did a fancier production, you could probably be growing your audience and distributing across more channels. Yeah, YouTube is the growth mechanism. Yeah, didn't you have a TV show at one point? I did. I remember seeing you on my Apple TV. Oh yeah, I did two TV shows. And I think at that point, this was also quite a while ago.

So this was when TV was as network television and cable both combined More relevant, but in a cable cutting world It just really isn't necessary and there's so many amazing productions on YouTube on Instagram on tik-tok and there are people who are really good and on TikTok and there are people who are really good and rival anything you would see on broadcast.

And they do it for far less money, far less bloat, far less bureaucracy. It's wonderful. And that's not the game I wanna play. And I think it is worth contemplating. I think about this a lot, that above a certain point on Maslow's hierarchy of needs, and if you have shelter, if you have warmth,

if you have food, handful of other basic necessities, everything beyond that that you choose to do is a game of some type. And people might say, well, hold on, like I need to pay my mortgage, and you just, yes, true. But that's shelter, and that's right there in the basics Yeah, that's shelter. That's in the basics right or you're renting now So I would say I'll say two things and this will actually tie into another podcast guest

so you're choosing to play a game and the first key is to be aware that's what you're doing and That the goal For me is not first and foremost to get good at the game meaning whatever game I've subconsciously or accidentally ended up in is to choose the right game. Tim this is good I want you to say it again slowly. Yeah. Anything beyond your basic needs is a game? It's a game. There are rules that you're implicitly or explicitly agreeing to. There are conditions for winning or not winning.

And these are all stories that you tell yourself, probably in a peer group, right? And you don't have to play that game. There might be costs to not playing that game, but you don't have to play that game. It's not a matter of life and death and I think much of my time is spent thinking about the games I want to play and What games am I playing right now that may not be serving me?

Which is very closely tied to what stories am I telling myself right? What thoughts am I taking to be true? I believe and You can come up with a lot of interesting workarounds or alternatives once you start poking at that stuff and For instance if you happen to live in I'll give some coastal examples So they're just easy if you choose to live in say LA I'll give some coastal examples, so they're just easy if you choose to live in say LA What are what's the game a lot of people are playing in LA? It's the fame game right if you're in New York

what's One game that a lot of people are playing in New York. It's the money game go to DC Okay, what game are people playing there the power game? Yeah, and Then there are many other There are million other games, but play with yourself. Yeah internal games. Yeah, there's tons of that I would just say like if you had to make a parody like a Seinfeld episode That's too dated, but if you had to make an episode that was like a parody of your friend group What would be the games that your friend group are playing?

Because chances are you're playing the same games. It's like, what would a Larry David, curb your enthusiasm episode, pick your hair, I'm going on the string of Larry David from Seinfeld to Larry David. We get the idea. If you're gonna make a 30 minute parody of including your friend group, what would you make fun of yeah?

because chances are those same things apply to you on some level and You can get there maybe through humor to some important truths that might be hard to tackle head-on otherwise Tim do you think most people are playing a game that they landed in by default? Yeah, for sure like not even really knowing what game they're playing or why? Sure, or they started playing a game deliberately like I did with entrepreneurship with a certain set of Beliefs about the game in other words like when I make X amount of money when I make a million dollars I will be a millionaire

officially and That will mean I have one and then I can make X percent per year also another assumption and belief based on that And I can do all the things I want to do But then to focus to get to that million dollars what happens you ignore all these facets of your life potentially Or you neglect them and then you get to a million and you realize the one thing that you've become really good at to the exclusion of other things is making money so what do you do now you decide you need five million right and also because if you want to feel good about yourself you want to wake up every day and do what you know you're good at so you can win at something it's very hard to switch gears when you've only developed that muscle yeah exactly for

me having some type of sports component has always been really important because Things can take away your money very easily like this is fortune meaning The fates. Yes chance. Yes can do really gnarly things to your money and If you have all your eggs in that basket, I think it makes you fragile So for me if my business or my podcast or whatever isn't doing as well as I would like it to do, you can measure that a bunch of different ways. If I had a good day, like I came here from archery, right?

If I had a good day doing archery and I'm taking it really seriously, it's still a good day. And that makes me more anti-fragile, right? It makes me more resilient. So I try to have at least a few of those kind of interests that are, not to get too fancy, but like uncorrelated. Right? This is a show about money, right?

You can talk about uncorrelated investments. You can also talk about it with identities and you can talk about it with interests. It's like a diversified portfolio of your identity. Yeah. So you're not overly committed to one thing and if it goes bust, you go bust. Yeah. Do you think there was any area that as you were building your money, your fame, your career that you neglected? Oh, sure.

Yeah, there have been times, certainly when I was neglecting self-care. Okay. Sleep, consuming too many stimulants to stay up, maybe drinking too much. It could be anything like that when you are just running on fumes, when you've pushed it too hard.

Something's gotta give. And that might be time with your friends, it might be time with your significant other, might be time with your family, it might be getting to the gym or doing some type of exercise, it might be your diet, family. It might be getting to the gym or doing some type of exercise. It might be your diet, right? Maybe you're stressed out. So instead of having reaching for a glass of wine, you reach for a bag of chips. It's the same thing.

Yeah, totally. Different tool, same job. So what happens to Tim Ferriss when you're not taking care of yourself? I feel like in the last decade or two, I've been quite good about catching myself before I get to code red. You are quite good at that. Yeah so What happens to him? I mean the first thing to suffer is typically sleep Okay, and in a sense, I'm grateful for that because it is self-limiting Like if you just run out of steam

Yeah If you don't sleep if you sleep poorly poorly for long enough, like you're gonna crash. And then that's the wake up call. But in the last probably 20 years, certainly, mostly, especially in the last decade, I think with certain non-negotiables, I've been pretty good at avoiding that, right? And I think mentally just categorizing certain things like, for instance, the meditation. You categorize that brushing your teeth

or taking a shower. Like you're not gonna go a week without showering if you're exercising, right? Okay, then you can't go a day without meditating. That's a good thing to put in all of our brains. Like how many people love brushing their teeth? I'll do it, but it's not like getting massage. I'm not like, oh yeah, baby, Swedish massage my gums.

I'm not into it, but I do it. Why? Because you've conditioned yourself to do it. It is non-negotiable. You've told yourself it's non-negotiable. I don't know. I'm gonna tell myself now that not meditating is so gross. It's like not showering. Yeah, exactly.

Because you're like, how could I not find 10 minutes a day? I don't find 10 minutes a day all the time. And I'll get in bed and be like oh, how did I not do that? That's also one of the benefits of just saying doesn't matter when you do it. If you do it right before bed, great. Yeah, just get it in. I would say, and this is borrowing from somebody else,

can't remember the attribution, if you don't have 10 minutes a day to meditate you need 10 hours. It's kind of like symptomatic of other problems. I would say, okay, fine. Like if we're in a negotiation and you're saying, I don't have 10 minutes twice a day, fine. Okay, 30 seconds twice a day, do you have that?

Nobody really with a straight face can say no. It's like, all right, now we're just determining. It's not whether you do it or not. We're just negotiating the duration. So- Maybe that's it. You flip the switch to do it and then you build One song like when I there was a point when I was running really ragged and I just decided okay

I'm gonna listen to I was really into it. I think he's amazing musician Prince So I wanted to listen to some feel-good Prince song I was like, alright, I'm just I have to meditate once a day to one song. That's it. And yeah, that was the foot in the door. You don't have to get the whole body in the door. Does it get the foot in the door? And it's like a little reward. You get to hear a song that you like. Sure. Hold onto your wallets. Money rehab will be right back. And now for some more Money Rehab.

Okay, so you were like the original or one of the original biohackers. And now all that stuff has gone super mainstream. Yeah. We're all like, we're listening to Huberman and Peter T all these guys you're friends with and and It's like we need to all be millionaires and have seven hours a day. I have to cold plunge, but I have to also heat I need my red light. I have to don't drink coffee. No drink the coffee when the morning routine is three hours long It's and the evening routine and all that so help us separate the wheat from the chaff If I'm not a millionaire if I don't have a three-hour

time span for my morning routine. What are the must-haves? So I've changed perhaps my viewpoint on a lot of this in the sense that I used to test everything imaginable. I was the human guinea pig. I was way out at the edges and imaginable I was the human guinea pig I was way out at the edges and I don't really do much of that anymore in the sense that I think health very often is what we Abstain from as much as it is what we do. It's a very

Look, I love the United States. I love it. But it's a very American thing, at least prototypically American thing, to think more is better. It's very much part of the ethos of the country. And to look for things to do, because I think Americans have that Protestant work ethic, and if it is to be, it is up to me, and I must make it happen. Yes. Which implies doing things which also often implies adding things, right? Which is why the supplement markets do so well in the US.

But I have started to look and I will answer your question directly and give you a couple of easy things that what you don't do is as important as what you do. So for instance, I, maybe you're not going to see it on camera, but I have a lot of people ask me about, believe it or not, skincare. I'm 47. And they're just like, what do you do? Because like the photos of me from 10 years ago look the same as they do. I don't look discernibly different. And I just, among other things, I'm like, number one, maybe it's just genetics, who knows? I don't think so, though.

Like my family, it's not like they all look like Benjamin Button or something. Cover your ears, Tim's family. Yeah, I'm just saying, it doesn't seem to be purely genetic. I would say, as an example, right, the only soap I use, and this is not a paid endorsement or anything, is Dr. Bronner's unscented baby soap. That's it for everything.

Now I have the luxury of doing that because I'm bald too, but I want to avoid phthalates. I want to avoid, which often can be found through fragrances, right? They very often come together and make whatever I put on my skin as innocuous as possible. And skin is an organ. You absorb a lot through your skin.

I very rarely, this is not medical advice, but very rarely use any kind of sun protection. I just moderate my skin exposure to sun. If you have to put a bunch of chemicals on your skin to be out in the sun for long periods of time, don't be out in the sun for long periods of time. There are some exceptions, right? If I'm gonna go surfing fine I don't want to be turned into a lobster and you have light eyes, right? So that kind of goes with the yeah, very sensitive very sensitive. Yeah and So on and so forth of food there is skincare routine is dr. Bronner's and go in the sun sometimes Yeah, I don't, I literally don't,

I don't put other shit on my face or on my body. I think it is a gamble. You just don't know the long term. Like more is more, but more is not better. And doing more, the temptation to do more definitely is. I'll give you, this is gonna be a little digression, but I'll give another example, right? So people have issues, whether it's not medical advice,

again, not a doctor, don't play one on the internet, so talk to your general practitioner. But whether it's digestive issues, IBS, rheumatoid arthritis, or whatever, people are looking for what to add, what pill to take, what thing to do to fix it. There is an interesting book, I don't love every aspect of it, but I believe it's called the oldest cure. It's a book about fasting and How many issues?

Seem to resolve themselves if you just fast it's not suitable for everyone But by the way, we're evolved to handle fasting Yeah, how many things just go away? If you stop, if you give your body a chance to rest, as all animals do, and just take a break from food, or take a break from carbohydrates and go on a ketogenic diet. For instance, a lot of these intractable,

sometimes considered untreatable psychiatric conditions respond really well to something that's now called metabolic psychiatry, which in simple terms is putting people on a ketogenic diet. And it's protein and fat. So Chris Palmer of Harvard, if people want to look into this, has spoken really well on this. I interviewed him on the podcast, but he has a book as well. And people who are on a dozen medications for borderline personality disorder, schizophrenia, go on a ketogenic diet, and literally within a week, 90% of their symptoms go away. So for me,

I think about maybe a better way to put it is subtraction as much as I think about addition, whereas previously, I think I was very addition focused focused because that's how you come pre-programmed If you are in the u.s. In a lot of places, but you come pre-programmed To look for what to add and I think that in a lot of cases. That's a mistake Okay, so for These are things I think of I'm not gonna say it applies to everybody but just in terms of health Yeah, your mileage may vary. So number one diet and exercise. It sounds so boring but the further along people get if you look at say Peter Tia who is very credible and

Knows how to read research knows how to perform research and Does a great job. I think, on the drive his podcasts and also on his website and in his membership pieces of his program of breaking down scientific studies and showing where things are hyperbole, where things are exaggerated, and where things are mistranslated by the media. Very valuable. He has a series of blog posts called studying the studies, which I encourage everybody to read But the point of saying all that is that the more he learns the more he's like, yeah you got to do weight training you got to do zone two, which is getting your heart rate certain types of cardio and

probably a good idea to limit some of your carbohydrate intake and That's what you should do. And for instance, I've spoken to researchers at the very, very tops of their fields who specialize in things like metformin. So metformin is a drug that, like a lot of drugs, like GLP-1 agonists, like Ozempic and so on, these were designed for type two diabetics in most cases, or in a lot of cases.

And then rich people start toying with them for weight loss or whatever it might be. Longevity. I love how you say it like that because it's always it gets in the hands of longevity medicine doctors and we figure out. Yeah, so it starts with rich people who tested on themselves.

And then it might start with bodybuilders or people like wasting diseases, right? These sort of edge cases then bleed in and then they become bigger things But I was talking to this and a lot of these so I'll give an example of something that some very wealthy people do They might use something like metformin for longevity They don't really have their diet or exercise super dialed. They're half-assing it, but they take metformin. And when I talked to him, I'm not going to mention my name, but a very famous researcher at a very well-known university, and he's like, yeah, I don't think it makes any sense for you to take metformin. And I was like, what do you mean? And he's like,

you're already getting 99% of the benefits by having your exercise and diet dialed. He said, if you have a huge deficiency in those areas Yeah, you'll see that some benefits because you're using it as a correction for other Deficits, but if you're already doing what you're doing It doesn't make a whole lot of sense. That's not what I expected you to say. I expected you to say that Nobody should take metformin until or unless they've got their diet and exercise dialed in We're adding all these things when 99% of the lifting is just doing this But you're saying people should use it to compensate if they're not no, he's not saying they should use the company

They do he's saying people do use it to compensate but if you're already getting exercise, you don't need exercise in a pill. And we know that exercise, as long as you don't get injured, has pretty limited side effects, right? We've been exercising as a species for a long time. We've been doing manual labor for a long time. Whereas metformin, really? Who knows, right? There are lots of drugs that come out,

like thalidomide, remember that one? Oops. There are drugs. It takes a long time to figure out. Wow, that was a disaster and now people are having like three-eyed babies Fantastic. Yeah, I do think Less is more and if someone were going to you don't need a thirty thousand dollar cold plunge, right? Number one if you wanted to do something like that you can get like a hundred dollar inflatable cold plunge on Amazon. Okay, but in fairness, I have that.

And it's super annoying. Because you have to put so much... It is annoying. Look, I've done it too. I've done it. It's annoying. But it's not expensive. It's not.

And it's a good way to see if you're really good at it. Try before you buy it. Try before you buy it. Does it benefit you a lot? Or are you really going to do well? Also, forget about the inflatable thing look go to a gas station? This is what I did for years way back. I just buy bags of ice put it in your bathtub Yeah, try it try it out for a few weeks

See what it does that you're doing it for just a couple of minutes And so for all that labor and all that work that you have to do to create the cold plunge or all the money you're gonna spend Is that the highest return ROI? Yeah, it depends like for me. It's a very good investment because it helps with anti inflammation without me chewing on Advil all day With various sports injuries I've accumulated Which comes back to the exercise because like don't ever do it. Oh, I mean I've had 20 plus fractures. So oops but secondly mood elevation So for anti-depression for anti-anxiety

Cold for me is the best pill you can buy Yeah figure that out. Do you like not do the cold and then do the cold and see a change in your mood? Oh, yeah, super on your own little experiment super obvious. Oh, it's super obvious. It's not subtle It's not subtle and cold baths used to be prescribed by doctors for melancholy back in the day What is this depression? It's just an older label for it And then that fell out of favor because it's a pain the ass to administer right people would go to the sanatoriums and they Sit in the bath with their head popping out with a cover. It looks bizarre. People didn't want to go to these places just to sit in cold baths. Sounds pretty miserable.

And nonetheless, I do think there was a kernel of something valuable there. In terms of longevity and so on, let's ask a clarifying question because this is important. What are we really trying to accomplish? What is the outcome that you want? Because there's also, not to get too fine-tuned here, but there's lifespan, like at what age do you die, and then there's health span, meaning how mobile, how fast, how active, how cognitively sharp do you want to be for how long. These are different things.

Totally. And different protocols. They're different for instance You could do we know that caloric restriction works for life extension But you want to live a life unfortunately, okay speaking. Let's just say as a male I mean I was gonna say it might make your hair fall out. I don't have to worry about that But I hair falling out plummeting testosterone. No libido. Is that the life you wanna have? Like 70 good years where you eat well, then 90 in a restricted state.

Yeah, also, which is why I do not think, I'll give you two opposing perspectives in a sense. Hold onto your wallets. Money rehab will be right back. And now for some more money rehab. I'll give you two opposing perspectives in the in a sense. So the first is I told you I have a low cost like low burn lifestyle Generally the one place where I do spend a lot of money is with very good concierge doctors All right, so if you're gonna make money for something, I think the highest leverage use of money is Probably

personal trainers, which I do not currently use, but I use coaches for various sports. And then it would be really good doctors who have great access for you and your family, to specialists, have access to the latest research, who can move mountains to make things happen quickly, who know how to do really high-end diagnostics

That's where you spend money. Okay, most of the ingredients that a doctor who's very good in my opinion who's looking at the full spectrum of Inputs Peter Tia would right it's not just which problems do you have which pills can I prescribe it's? the diet the exercise etc those don't need to cost a lot. And exercise, look, you can get a gym membership for what? 20 to 100 bucks a month? And if you're not exercising yet, you don't even need the gym. And you don't even need that. You don't even need that. You get one kettlebell. You can have an amazing gym. My gym for many years, even though I could afford to do the fancy stuff, was a few kettlebells in my garage

That's it, and I was in incredible shape I was in such better shape than I am now and that's it right and the other place I would spend money is on quality food not everybody can but if you can avoid pesticides to the extent possible That's a good investment Right look up the dirty dozen for instance There's a list of vegetables called the Dirty Dozen, and then Clean 15 or something like that. I put this all in the Four Hour Body, not trying to sell that book, but it's a lot of it holds up. That came out in 2010, and it highlighted a lot that has since become mainstream.

Cold exposure, glucose monitors, continuous glucose monitors. I remember that book was like a little fringe almost at the time, and now it's all the stuff we've all been doing. Yeah, it's all mainstream now a lot of it. So if you look at these vegetables those will basically indicate in the case of the dirty dozen the fruits and vegetables that are most Typically covered with Pesticides and other types of industrial chemicals And you just avoid those or maybe choose organic for those if you're going to consume them.

And then the clean 15, those that are generally going to have the lowest load of pesticides and so on. Like you do not need to be a millionaire to do that. I was doing that when I was making 50 grand a year. Like you can pick in shoes. Like do what you can. Doesn't need to be perfect. Just like, it's like the meditating. Can't do an hour a day, fine.

Can you do 30 seconds a day? Great. Like maybe you have one thing you like, raspberries or blackberries, I'm making these up. But berries often get a lot of spray. Okay, maybe just for the berries, you pay the extra $2 for the organic. If that's an assurance that there are low pesticides it may not is it is it gets it gets a little it gets a little

tricky, but I'm saying like Do what you can right? fair and that's it so I really think a lot about minimizing Chemicals heavy metals like I very rarely eat tuna for instance. Any bio accumulator like larger animals that would accumulate the smaller fish and they have so that it has what more mercury or mercury and other things might have other heavy metals things like arsenic. So that's easy. Not eating tuna is pretty easy. Yeah, not eating tuna. Yeah, it's pretty pretty easy. So there are little things like that.

Or for instance, in the case, this is gonna be out of reach for a lot of folks. But if you're going to eat, say red meat, which I do, try to get, we can leave the ethics aside, but just try to get the most nutrient dense, clean meat you can. And maybe that means you hunt once a year, like I do. Maybe that, but seriously, And maybe that means you hunt once a year like I do, right? Maybe that, but seriously, like maybe that means you hunt once a year and that's a few months of meat and then you trade with

people to get other things like I do also. You do that? You trade the meat that you hunt? Yeah, yeah, I don't sell it. That's illegal. But it's if I have a friend who's got a moose, I got an elk and then I have a friend who's got a million pounds of tomatoes and I can't even look at another tomato And then I have another friend who does Pick up that salmon fishing trip once a year and I can't have another salmon sandwich Great, then you can mix and match and that is something very portable people do all over the place It is hunt right? So if you're like, well, I can't afford whole foods.

Fine, okay. There are options. I'm not saying that you're gonna love all the options, but there are options. So like the OG biohacker is saying, diet, exercise, eat clean, skip the tuna. Don't make it so complicated. Don't keep adding it.

Yeah, and every once in a while, am I gonna have a Poke Bowl with tuna? Yeah, sure, fine. Every once in a while. Skip the tuna. Don't make it so complicated. Don't keep adding it. And every once in a while, am I going to have a poke bowl with tuna? Yeah, sure. Fine. Every once in a while. Skip the tuna mostly. Yeah. Yeah. I'm just saying that it's very easy to believe. I've spent a lot of money testing all sorts of things. It's very easy to believe, especially if you're on social media where half of the influencers are trying to sell you something Because they get a kickback or they get a sponsorship payment or they have some rev share or whatever it might be

You need to go to this clinic to get peptides to get stem cells to get this that or the other thing and you go To the website and you're like, oh my god, this is twenty thousand dollars There's a lot of bullshit out there and There are also some good things out there, but we live in a capitalist society I'm a capitalist. I think there's a lot to be said for market-driven solutions It's not a perfect system lots of issues, too, but You're dealing with Social media platforms

That want to make money people are attracted to those also sometimes because that want to make money, people are attracted to those also sometimes because they want to make money. She's need to know that you're swimming in those waters. So when you go online, you might find various biohackers and they're almost all selling stuff. What does that mean? It means that to emulate them is going to be,

surprise, surprise, expensive. But for instance, very hard to sell fasting. Who's going to profit from fasting? Tim's getting rich off of telling you not to eat food. Yeah, I'm getting rich off of telling people to stop eating for a few days. You have a knack for giving out tips that make you no money. Oh, none whatsoever.

That's a big thing you can do. Yeah, if I wanted to make, I could have big thing if I wanted to make I could have made I mean I could have made probably and I don't think this is an exaggeration probably a hundred million dollars for now if I had Launched a supplement company with the four-hour body. Yeah based on I did not want people to question my credibility or my motives So my currency is credibility. Yes, that is the story I tell myself that it is more valuable than the cash. I think that's right. And another thing, it's pernicious out there, right? Because you've got influencers who might be trying to sell you something.

And even when they're not trying to sell you something explicitly, they're benefiting from making more outrageous statements than not. Because it's an attention economy, too. And they're getting clicks clicks and people are like, oh, what really? Oh my God, I need rapid mice and I'm going to die. I have to click here and learn about it. And you never did that either.

Like you refuse to traffic in outrage or sensationalism. Yeah, I don't do that. That is where it is most expensive for me. Yeah. Because the game you're playing is to be credible, to be like a reliable source of information. Which means, for instance, I try not to do it. Sometimes it slips through because I have multiple people working on stuff, but the clickbait headlines for videos and so on, I really try not to do that. Yeah.

And that is, I get severely penalized for that. I want to just clarify one thing too, that not everyone on social media who is selling something or getting a rev share is doing that in bad faith. There are, everybody's got to make a living. And also there are people who really believe in whatever they happen to be recommending. Right? Look, I think disclosure is important. Right?

Like the Way app with Henry Schuchman, like I'm an investor. I invested super early when they basically had nothing because I had him as podcast guest I was like this guy knows what he's doing And one of my friends lives was totally transformed Kevin Rose by Henry and I was like, okay Sure, but I'm disclosing it. So the disclosure is super important and There are some really fascinating things out there, right? So just because someone is selling something or recommending something they get a rev sheer on does not mean that you shouldn't pay attention, but you

should be aware that you might be asking a barber if you need a haircut. Totally. In which case the answer is going to be yes. There are some drugs that I think are interesting, but I'm not at a point where I would... rapamycin... Okay, you do. You think it's interesting. I do think rapamycin is very interesting. It's an immunosuppressant. It's used in organ transplants, right? So you have to be very careful with something like this. But Peter Tia talks much more credibly about rapamycin. So I would listen to something that he's put out related to rapamycin.

And I remember interviewing a number of experts on a trip to Easter Island, actually. And we talked about rapamycin. This was probably close to 10 years ago. Wow. Eight to 10 years ago. That was way ahead of when it entered into the kind of mainstream consciousness.

It was super, super early. And that's because rapamycin was first isolated and identified on Easter Island, even though it occurs many other places. The native name for Easter Island is Rapa Nui, which is why rapamycin is called rapamycin. So to come back to your question, let me lay out just a couple of things that are critical for me. I think the meditation of some type, right?

Artery I think is meditation for me as well, right? But I don't wanna split too many hairs here. Weight training, non-negotiable, right? As you get older, cardio is not enough. For men and women, I would say especially women with the risks of osteoporosis and so on and sarcopenia, which is age-related muscle loss. If you don't want to fall and break a hip and then die a handful of years later, which is very often what happens, you need

to have muscular strength. The most reliable way to do that perhaps the only way to reliably do that in modern society is to do resistance training and if you are a woman listening to this you are not going to become super bulky and look like It's like you wish you could professional bodybuilder. It's it ain't gonna happen overnight certainly right so Strength train and at least most of the guys I know they're attracted to strong women doesn't mean Crossfit Games champion, but like strong women. Yeah, I'm dancers

But women I would say and I don't know the exact number but it's something that they have 1 20th to 1 10th of the circulating testosterone of men. Men have trouble putting on muscle. A lot of men wanna put on muscle and they have a hard time. So don't worry about getting bulky, but do focus on getting strong. And the way to do that, keep it simple.

Once or twice a week, very slow cadence weight training. What does that mean? That just means like five to ten seconds up five to ten seconds back Until you have muscular failure where you can't get any further push for another five seconds. You're done with that exercise Hit all your major muscle groups. It should only take about a half hour. Maybe less do that once or twice a week you're done you're done and Maybe less. Do that once or twice a week.

You're done. You're done. And then there are other things like the aerobic training zone too, stuff like that. Also doesn't need to be expensive, right? Get a bicycle. Run up, run up a hill. Do kettlebell swings. There are a million ways to do it.

The expense is not an excuse. And by the way, if you're like, I can't afford a kettlebell, there's something called a T bar kettlebell. You can go to a plumbing store and Buy materials for five to ten dollars where you can make your own Adjustable weight kettlebell then you do need plates, but the plates are like a dollar a pound so fine And if you want purely body weight stuff that is really effective gymnastic strength training

GST with a guy named Chris summer is the former coach for the men's national team in the US No weights required and you won't gymnastics. I Have done gymnastics strength training. I'm not really built for gymnastics Just too many fractures and wrist issues and stuff, but you can get in tremendous shape without weights at all It's still resistance training. You're just using body weight and different ways to approach that so this is just a long way of saying that You don't need to spend what a lot of these folks online Pride themselves on which is I spend

$200,000 a year. I spend a million dollars a year on this and this you don't need to do that Let them do that. They might find something interesting and give you information. Hopefully for free. Yeah. Fantastic. Money Rehab is a production of Money News Network. I'm your host, Nicole Lapin. Money Rehab's executive producer is Morgan Lavoie. Our researcher is Emily Holmes. Do you need some money rehab? And let's be honest, we all do. So email us your money questions, moneyrehab at moneynewsnetwork.com to potentially have your questions answered on the show or even have a one-on-one intervention with me.

And follow us on Instagram at MoneyNews and TikTok at MoneyNews Network for exclusive video content. And lastly, thank you. No, seriously, thank you. Thank you for listening and for investing in yourself, which is the most important investment you can make. I love hosting on Airbnb. It's a great way to bring in some extra cash, but I totally get it that it might sound overwhelming to start, or even too complicated if, say, you

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