Welcome to Z-Pack:.because your brain could use a good scrubbing.

If this is your first Z-Pack, welcome - I'm Zach.

I’m chronically online, finding out how the world works.

⬇️ Let’s get it.

🚶‍♂️‍➡️ How you can unlock your creativity

Walking = secret sauce 🥫

But it’s not just about walking.

Make sure you schedule time to do nothing.

Yes, nothing - especially if you have a job that has you sitting in front of a computer all day or solving complex problems that require some creativity.

Basically, whoever said “stop and smell the roses” had a point.

Many of the most successful people in history have done this (like Einstein and Mozart).

⏰ “You waste years by not being able to waste hours.” - Amos Tversky (snagged it from one of my favorite books Same as Ever by Morgan Housel.)

🏄‍♂️ The YOLO economy

What mainstream news is spreading - Americans are on a spending frenzy as the economy is ripping & Americans are getting into more debt.

What the data shows - Americans’ real disposable income (money they can spend) is roughly at levels that the government projected they’d be at in their pre-COVID forecast - which is good! We’re back on track!

AND, as we’ve seen in a previous post, most Americans have a few months of expenses saved up and don’t have credit card debt.

🏚️ Car salesmen ruin us

Ok, car salesmen don’t ACTUALLY ruin us lol.

But it’s nuts how we just accept how crappy it is to go to a dealership and haggle with a car salesman.

Other examples of unnecessary middlemen that charge exorbitant fees that we just accept as reality -

• Real estate agents

• Online recruiters

• Ticket resellers

• Health insurance companies

Hopefully, we’ll see these industries disrupted in the coming years.
Whoever manages it will just have to fight like hell to beat out the Old Guard ⚔️.

🏋️‍♂️ The absurdity of masculinity

Do you have a masculinity issue or a high car payment just because you own a truck? No, of course not.

But why are some people’s monthly car payments as high as their rent/mortgage, if not higher?

Like Daniel and Darrell point out above -

1. The topic of car payments has been making the rounds on the Internet recently, and we’re seeing how so many people (especially dudes, in this case) are normalizing insanely high car payments.
   This really reflects how much we love our cars, which is clear when we look at what we choose to spend our money on and the cities we’ve built (NYC is really the only legit walkable city in the U.S.).
   

2. Unfortunately for us, Darrell’s tweet is right - many of our big brave strong men in the U S of A attach their self-worth to the size and noise of their big ole trucks, so don’t expect the sales of Ford F150s to slow down anytime soon.

Thanks for taking the Pack,

Zach

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Disclaimer: This is not financial advice or recommendation for any investment. The Content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.