“Suppose you woke up tomorrow and received two phone calls. The first phone call tells you that you have inherited $20 million, no strings attached. The second tells you that you have an incurable and terminal disease, and you have no more than 10 years to live. What would you do differently, and, in particular, what would you stop doing?” — Jim Collins

“If it’s not a hell yes, then it’s a no!” — Derek Sivers

This idea of contemplating our expiration date (memento mori) combined with the possibility of having the financial freedom to do whatever we want with the time is an essential filtering mechanism for designing our future. It’s almost never about the big ticket money activities, it’s about carving out time for the simple things in life, like being there for the kids or having the lifestyle commitment and personal responsibility to get a puppy. Sure, money helps, but it’s freedom people seek in their lives. The fastest way to freedom is saying no to more things.

We ought to remember we all have a terminal disease, whatever our timeline, and get busy prioritizing the essential over all the rest. Life is a short game, best fully-optimized. We’ll never fully reach that level of excellence, but we can aspire to close the gap. Instead of resolutions, we may choose instead to define what our “no’s” will be, that we may have the space for those “hell yes’s”