14 Day Challenge – Day 1

Started off great today with a cold shower and my Wim Hoff method breathing. Felt bright and ready for the day. (It did take me a while to get warm again though). Tomorrow I’m going to do the breathing exercise first then the cold shower. I was soo cold trying to do the breathing.

Last night I created a vision board on Canva App. It’s a cool app and easy to use. Definitely would recommend anyone try it if they want to do anything with photos. This morning I used my vision board to focus on what I want to achieve this year. I’ll do the same tonight. I like the idea of this to keep me focused on my goals.

After the good start to he morning work took over. Reports and emails were flying in. Not the start to the working day I was looking for but I put the head down and got through it.

The farm then came calling. Cows have to be fed so I got in the tractor and went to work. I always find something relaxing about working on the farm. Back in the day it used to be mad but nowadays we have taken the smarter approach in being more organized and calm around the animals.

Just after lunch I started to get a bit tired. I wonder if that’s to do with the change in diet routine. I had my breakfast at 10, lunch at 2 and then dinner at 6. I ran the beach then at 7 o’clock which is roughly 5 km.

Finally tonight I’m going to meditate. I have been out of practice of meditation so I’m going to search for a guided meditation on YouTube to help me along.

Getting through my 14 day challenge well at the moment. Really enjoyed today. It gave me a target and things to do. Good start but I know there will be tougher days to come.

The beautiful beach I ran today

How to save 100k by the time you’re 30

I have spent a lot of time thinking about this. How do I have enough money to put a good deposit down on a house or to put into a new business venture all by the time I’m 30?

At 18 & 19 aim for €2000 per annum. That’s about €40 per week. A part time job alongside your studies, paying €100 per week should allow you to save €40.

When you are 20 and 21 you should have gained a bit more experience working (for me I was in a bar and got to work two nights a week at this age). This will allow you to save more. €67 per week. Easy 💪. This is based on the fact that you have little to no living expenses at this age.

At 22 and 23, you should starting your new ‘career’. This job should be paying a little bit more than the part time role you were doing during college. Here you should be looking to save €5000 per year which is a little less than €100 per week.

At 24 we expect you to get your first small pay raise (or receive your first bonus depending on the type of role you undertake). This year aim to put away €7500.

For the ages of 25 & 26 aim for €10000 per annum. That’s nearly €200 per week. This is a lot of money so it is imperative that you work extremely hard in the early years of your career in order to work your way up the ladder.

At 27 aim for €13000 per year. This is €250 per week. At this stage you should be earning around €50000 which is around €700 per week after tax, depending on where you live. Keep your expenses low and this is achievable.

Finally when you are 28, 29 and 30 aim to save €15000 per year which is €288 a week. You should be on around €50-60k by then which will allow you to do this.

3 Tips

1. Don’t finance anything or sign up to many paying subscription based products.

2. Live with roommates / parents. Keep your life cheep. Short term pain for long term gain.

3. Work hard in your job so you become more valuable to your employer and therefore are paid more. Start a side hustle.