DIY Investing: An Easy Guide To Investing Your Own Money
02.12.2023We’re back with a brand new season of Whiteboard Friday episodes for your viewing pleasure. First up: SEO expert Cyrus Shepard shares his top 22 tips for successful Google SEO in 2022. Watch to find out what to prioritize and what to look out for in the year ahead! Click on the whiteboard image above to open a high resolution version in a new tab! Video Transcription Howdy, Moz fans. Welcome to another edition of Whiteboard Friday, a very special edition, our annual SEO tips of the year edition. This year it is 22 smart SEO tips for 2022. I’m going to be talking about some of the most talked about things in the SEO industry over the past year plus a few tips from last year that we wanted to pull over because they were just that important. Because we’ve got 22 of them and we don’t want this video to take forever, we’re going to be going through these pretty quick, but for you we’ve linked to some resources in the transcript below so you can explore all of these topics further if you want. All right. Without further ado, let’s get started. On-page SEO tips for 2022 1. A/B testing I’m going to start with some on-page topics. Tip number one, A/B testing or simply testing. We’ve seen a lot more testing tools pop up in the last couple of years, which is awesome because SEO is not make a decision and implement it and you’re done. SEO is implement, evaluate, and then make decisions or sometimes course corrections. Is this something we need to pull back? Did C perform better than D? Which one would we choose? All the tips we’re talking about today can apply to this testing mentality. SEO is incredibly complex, and the old-school idea of best practices just doesn’t cut it anymore. So in ’22, develop a testing mentality with your SEO. 2. Author pages Number two, author pages. I really love this because Google this year updated some of their advice around author pages and their schema markup. It’s an important part of my strategy and a lot of websites that I use. A good quality author page helps Google evaluate your authors, which can be used for E-A-T and other things, and helps link them with their expertise. So linking your articles to a good author page usually includes links to other websites, author profiles, links to the articles they wrote, some biographical information. It can help establish your authors as expertise in a certain space. So take a look at your author pages and try to improve them and make this a task. 3. Google title rewrites Google title rewrites, number three. I don’t think there is any topic more discussed in 2022 than Google rewriting titles. A lot of studies, including one I did, showing Google rewriting 60%, 70% or 80% of a site’s titles. It can be frustrating. But what we’re finding is a lot of people aren’t evaluating those Google title rewrites. When you do, you can learn a lot about your own titles. Why is Google rewriting it? Is my title too long? Am I missing important keywords? Do I have fluff in there that Google doesn’t like? Or in some cases you can go back and try to correct the title that Google rewrote if they’re doing just a terrible job. So Google title rewriting, do an audit of those Google titles and learn what you can do. 4. Nuke the «fluff» Speaking of fluff, this may be the year that you want to nuke the SEO fluff. You know what I’m talking about with SEO fluff. It’s those flowery keywords. It’s those descriptions and it’s recipe pages. «Oh, I was walking along the Irish countryside thinking about my bread and biscuits.» That is your fluff. We’re finding that it may not be necessary, and it may even be detrimental to your SEO. Glenn Gabe wrote a great case study where they reduced a lot of their fluff on category descriptions and they actually saw an increase. Google is removing fluff from title tags. So this marketing, flowery, SEO writing stuff, it may not be helping you, and, in fact, it may be hurting you. Today Google is rewarding sites or seems to be rewarding sites that provide quick answers and more direct engagement. Better engagement, it’s usually better for your customers as well. So experiment with losing the fluff in 2022. 5. FAQ schema Number five, FAQ schema. So last year we talked a lot about different schema types, how-to schema, FAQ scheme, different things. If there was a clear winner in 2022, it was FAQ. The reason FAQ is the winner is because so many sites can qualify for it, it’s easy to implement, and if you win a FAQ schema in SERPs, you can gain a lot of Google real estate. So there are a lot of articles that talk about how to optimize for FAQs. You can get links, deep links in FAQs. There are a lot of things you can do. We’ll link to those in the transcript below. But take a look at your FAQ schema if you’re not currently using it: How to Optimize Your FAQ Schema to Maximize Positive OutcomesWhat Google’s FAQ Schema Update Means For Your SEO Strategy6. Tabbed content Last year we talked about tabbed content, bringing your content that is in tabs, in navigation and bringing it out. This year, we’re getting a little more advanced. Our friends at Merj did a study about types of tabbed content and how easily Google can extract and render and index different tabbed content. So if you still have content in tabs, it doesn’t necessarily mean you have to take everything out, but you should research if Google is able to index and rank those appropriately. There are better resources this year to try to do that. So take a look at your tabbed content. 7. Faceted navigation Along the same lines, faceted navigation. We’ve been talking about faceted navigation for years, but this is the year to get a little more strategic with it. In certain ways, faceted navigation has always been like a set of rules, like if it has green dress, we are not going to index this or crawl it, but if it is size 12 or higher, we will index it. Today, smart SEOs are getting a lot more savvy about what they index, don’t index, and crawl with faceted navigation, and these tools are becoming increasingly available for sites like WordPress and things like that, where you can actually look at the traffic each page receives and index, crawl, faceted navigation on a page by page level, and these broad rules aren’t necessarily as necessary. You can get down to the nitty-gritty and increase your traffic that way, with fine-grained tools. So both tabbed content and faceted navigation, old-school concepts, but we’re getting much more sophisticated with them in 2022. Link building tips for 2022 All right, let’s talk about everybody’s favorite subject, links, because you need links to rank in SEO. But what a lot of smart SEOs know and talk about is you need links to rank in SEO, but you probably don’t need as many as you think. 8. Internal link optimization If you only have a few good external links, one of the best ways to leverage that is optimize your internal link optimization. We’ve seen a number of new tools and processes talking about internal link optimization. We’re talking about pages that have too few links, under optimized anchor text, pages that have great opportunities that aren’t ranking that should. So if you haven’t done an internal link optimization audit in a while, this is the year to do it and this is the way to leverage those internal links that you’re getting. 9. Deep linking Speaking of which, deep linking. In the old days, if you linked to a page, you just linked to the URL. But we’re seeing an increase in deep linking, linking to specific passages, text fragments, things like that, navigation, jump links. This is increasingly becoming a popular strategy to get people deeper into the page and give Google and other search engines signals about very specific parts of pages. This seems relevant as Google has recently introduced passage ranking, where they’re not just evaluating the whole page. They can understand individual passages as well. So making deep linking part of your strategy, as opposed to just linking to the URL, seems to be a great way of moving forward. 10. High ROI link building High ROI link building. I watched a great presentation from Ross Simmonds this year, the Coolest Cool, on link building with assets and determining the ROI of each of them, because everything you build links with, whether it be a tool, a blog post, a free PDF, it has a cost and that cost has an ROI. Ross found that certain things have higher ROIs than others. Tools have an incredibly high ROI, but they’re also expensive to create. Pages with stats on them, not that expensive to create, but also a really high ROI. I’m going to link to that video. It might be a paid subscription. I apologize about that. But it’s awesome. It was voted number one at MozCon. If you do link building, it’s definitely worth watching and definitely worth the cost. High ROI link building, know the cost of everything you’re producing and how much value you’re getting out of it. 11. Reduce redirects Let’s go old school again. Our friend Nick LeRoy tweeted not too long ago about reducing redirects. This is really old school, but a lot of people are forgetting it these days. If you have a large site and you have thousands or millions of redirects all sending confusing signals, 301 jumps to a 302 jumps to a 404, what is that? Looking at your redirect chains and reducing them to a single redirect with a clear directive can help reduce canonicalization errors. It can improve crawling efficiency, and at scale it can influence your rankings. So if you have a large site or even a small site with a lot of redirects, this is the year you want to do a redirect audit. Get on it. Audit, on it. 12. SEO for affiliate links How about SEO for affiliate links? We don’t talk a lot about affiliate links here at Moz, and Google traditionally hasn’t talked a lot about it either. But this year we saw Google introduce specific guidance for affiliate sites, which is something they really haven’t done before. Specifically for review sites, Google talking about what a good review looks like, talking about the good and the bad part of the product, the fact that you should link to multiple merchants so consumers have a choice. We haven’t seen this from Google before. So if you do SEO for affiliate sites, you do review sites, this is the year to review those Google documentations and make sure you’re creating sites that Google rewards and actually following Google’s guidance on it, which is something in past years I didn’t think I would be able to say about that. So it’s awesome to see. Google SEO tips for 2022 13. Reputation research All right, moving on to different topics, reputation research. My friend Lily Ray talks about reputation research a lot in terms of E-A-T. The idea that Google can evaluate your site based on what other people say about you. So if you’re Dr. Mercola and an anti-vaxxer and everybody is saying all these terrible things about you on other websites, Google can disappear you from search. Reviews, what are other websites saying about you in terms of reviews? Google quality raters often look at other websites to get reputation research, and it’s supposedly believed that Google can do the same thing algorithmically. So making reputation research part of your SEO audit process, what are other sites saying about you, is it incredibly positive, is it incredibly negative, this is especially important for your money or your life sites, sites that are going to be more impacted by E-A-T algorithms. So if you sell things or dispense medical advice, reputation research is a little bit more important for those sites. 14. Core Web Vitals — minimums Boy, last year we talked about Core Web Vitals a lot. One of my happiest things is that we are talking about it much less. Google announced a big update. It was a big hooplala. It didn’t quite work out the way Google kind of explained that it might. What happened was Google released Core Web Vitals, and some sites saw a boost, other sites saw a decrease, but it wasn’t as intense as we thought it might be. A lot of sites did improve. But we’re finding in 2022 maybe we don’t need to worry about it as much as we thought. My colleague Tom Capper did a study that showed that slow sites were still ranking and fast sites were ranking even higher, but the effect wasn’t as much. The one thing Tom did find though, that was important, was sites that failed all three Core Web Vital requirements were definitely in the dumps. So we should optimize for speed always, but perhaps in 2022 we don’t need to obsess over it as much as possible, based on Google advice. Speed is awesome. You should make your sites as fast as you can. But Core Web Vitals, don’t sweat it as much as we were in 2021. 15. Ditch AMP? Other things we might want to consider not sweating, AMP. 2021 was the year that we’ve seen a lot sites start to ditch their AMP. This is because Google no longer requires it as a ranking factor in their top stories. It does provide some speed benefits. It’s kind of a neat technology. We know people who work on it. It’s really cool. But a lot of companies were stressing out trying to maintain two different versions of their website to get that ranking boost. A lot of sites are starting to like, «Well, we don’t want to have two different versions. It’s a lot of overhead. It’s a lot of engineers. What if we just got rid of it?» They’re finding it really doesn’t make a difference. They can just work with one platform and still get as much rankings as they want. So if your company is struggling with AMP, this might be a year to experiment with ditching it. Or keep it if you like. It’s great, but a lot of people seem to be walking away. 16. Google Discover On the flipside, a lot of people are flocking to Google Discover. Google Discover is interesting. It’s not traditional SEO traffic, where you research a keyword and people are converting. It’s a little bit more like social media traffic. In fact, social media sharing seems to be one of the ranking factors that can influence how much traffic you get from Google Discover. But what we’ve seen in the last year is some publishers are optimizing for Google Discover, publishing those stories, and seeing huge amounts of traffic for that. Great for like news sites, blogs, popular things, things that talk about popular topics. We’ve gotten some Google Discover traffic here at Moz. We’re going to link to a couple of articles to show you how to optimize for Google Discover. But if you haven’t tried it yet, it may be a channel for you to explore in 2022. 17. Local SEO GBP categories We’ve got to squeeze in one local SEO tip. We’re doing this for our friend Darren Shaw, who publishes the Local Search SEO Ranking Factors every year, doing an awesome job at it. If you have a local site and you just have five minutes to do one thing, the number one SEO tip for 2022, get your GBP categories in order. Ranking factors studies show that it is the number one thing that can influence rankings. Do an audit of your Google Business Profile categories. Darren has a lot of tips over there with that Local SEO Ranking Factors. I would encourage you to look at it. Also Joy Hawkins is doing a lot with experimentations. I’d encourage you to look at her site as well. 18. Favicon review My tip, the tip that I’m going to die on this hill — favicon optimization. Why favicon optimization? I talked about this last year, but I don’t think people took me seriously enough. Over 50% of search results take place on a mobile phone where your favicon shows, and people are not optimizing those favicons. A good favicon can draw attention. It can zero you in on a very busy SERP, and it does it with just a few pixels. A good favicon can raise your click-through conversion rate one or two percent, which is awesome. How does it work? What do you notice on this screen? You notice the tip with a favicon. A good favicon is usually bright, it’s usually high contrast, and it draws your attention to your search results. So optimize your favicon, folks. I’m dying on that hill. SEO career tips for 2022 All right. So I want to spend a few tips on talking about your SEO career, because I don’t think we talk about this enough. What should you be learning this year, aside from Python because everybody loves Python? 19. Learn GA4 This might be the year that you want to finally familiarize yourself with GA4. GA4 is the product that’s replacing traditional Google Analytics. You’re going to see it in a lot more client accounts. It can be a little confusing to people. Some of the metrics aren’t there. It’s got some cool things in it admittedly, like they basically got rid of bounce rate and replaced it with engagement metrics, which is great because a lot of SEOs are a little too focused on bounce rate and engagement may be more representative, a holistic way that Google views your website. Our friend Dana DiTomaso has a course on LinkedIn that you can check out. But familiarize yourself with GA4 so you can walk into those meetings and you can present those reports and know what you are talking about. 20. Attend virtual conferences Conferences. COVID moved a lot of conferences virtually online. People attended them. A lot of people are getting burnt out on virtual conferences. But looking back at all the virtual conferences of 2021, there’s some great value there. Here at Moz, we had MozCon. We had some tremendous speeches. It also makes it more affordable for people all over the world. Traditional conferences, you pay $1,000 to $2,000 just to attend the conference plus travel and all that. But with virtual conferences, oftentimes they’re free or just $100 or $200. You can attend virtually and focus on the content and the learning and advance your career, and do the networking, reach out to the speakers. There are lots of opportunities there. So I would commit in 2022 to attending two or three virtual conferences and make that part of your career advancement. 21. Charge more Finally, the last tip on the career, charge more. 2022 is the year to charge more for your SEO services. Our friend John Doherty at Get Credo publishes his annual salary report or agency fee report. If you’re an independent consultant or agent, you can check to see what you’re charging compared to your peers. But, in general, SEO services are in high demand all over the world, especially high-quality SEO services. The power is in your hands to charge what you are worth, not undermining yourself. If you’re working in-house, it might be time to evaluate your salary and make sure you’re getting paid what you deserve, especially if you’re not getting paid as much as your colleagues or you’re part of an underrepresented group. Charge more in 2022. Make more money. And finally… 22. Be the last click Final tip of 2022, this was the final tip of 2021. It’s my favorite SEO tip of all time. Be the last click. That means satisfy your users. When someone is searching Google or any other search engine and they’re presented with a list of results, they’re clicking around, looking for what they want to be, make sure you are the last site that they click. Why? Because when they clicked to your site, they found what they were looking for. You satisfied them so much that when they see your site again, you’re going to be the first one that they click on because you gave them the answer. Provide awesome experiences for your users. Think of them first. Give them everything they want. Give Google no excuse not to rank you number one in the search result. All right, 22 tips for 2022. That’s all I’ve got. I would love to hear your tips. Please leave them in the comments below. Reach out to me on social media. If you liked this video, please share it. Thanks, everybody. It’s been fun. Video transcription by Speechpad.com
02.12.2023[ad_1]
I’ve been waiting to publish my 2022 goals until now because there’s some whacky statistic out there that says most people give up on their goals by January 15. Therefore, by waiting until after January 15, I have circumvented this sad reality!
2022 is finally the year to live it up. Less work, more fun!
After a difficult 2020 and 2021, I’m sure most of us are tired. But the good thing is, we didn’t let the pandemic go to waste. We worked hard, took risks, found new jobs, started new hobbies, and discovered what we really want to do. Having goals keeps us focused.
There really is no going back to the way things were. If you are still miserable at your job, in an unhealthy relationship, or dissatisfied with your overall lifestyle, it’s time to change. And change we will!
After sharing my 2021 year in review, here are my financial, work, and life goals for 2022. I’ll be turning 45 this summer, which means I am most likely in the last half of my life. Therefore, I will try not to waste too much time going forward.
I hope you will share some of your goals as well.
Personal Finance Goals For 2022
Although most of what I write is about personal finance, money is only a means to an end. We want money in order to live the life that we want. I need to make enough passive income to cover my desired living expenses so I don’t have to be beholden to anyone.
1) Generate another $300,000+ in passive investment income.
Our family lives on less than $250,000 a year. But by 2023, our budget will probably surpass $250,000 due to a new preschool expense for our daughter and inflation (officially 7% in 2021). If our portfolio can generate another $300,000 a year in 2022, that will be three years in a row of generating this figure.
At this point, I will be 95% sure neither my wife nor I will ever need to go back to work, even after a bear market. Right now, my confidence level is at about 90% that we can remain stay-at-home parents indefinitely.
Below are our estimated passive income streams for 2022. Roughly 65% of our passive income and 50% of our net worth come from real estate. And because I have bullish predictions for real estate in 2022, I feel good about our exposure. I believe there is an 8-10% upside in prices and rents in 2022.
If the S&P 500 continues to do well, then dividend income should continue to grow. Unfortunately, I’m not too bullish on stocks in 2022. I believe with 35% confidence the S&P 500 could close down for the year. But that still means there’s a 65% chance we’ll have another positive year.
I should start converting some growth stocks into dividend stocks. Financials could outperform this year.
Hoping For Some Surprise Passive Income Upside
I’m hoping my passive income investments are conservative by ~15% to account for positive unforeseen events.
This year, a couple of venture debt funds I have are likely to increase distributions given we’re in years five and six.
Further, I see good upside in some of my real estate crowdfunding investments that withheld capital in 2020 and 1H2021 out of precaution. Distributions should increase in 2022 as new-normal life returns.
In fact, on January 12, 2022, I received a surprise distribution of $58,813.37. This was good for tax purposes because I had just received a distribution of $46,547.71 in December 2021.
2) Grow net worth by 10%.
10% has been my ideal annual net worth growth target since I left work in 2012. It is based on the historical return of the S&P 500. If a 10% annual net worth growth target is achieved, our net worth will double every 7.2 years and beat inflation. The key to growing my net worth is from investment growth and active income.
The larger our net worth grows, the more passive income will be generated as well. At this point, ~30% of our net worth is in equities, ~50% is in real estate, ~10% is in alternatives and speculative investments, 8% is in bonds, and 2% is in cash. I’ve excluded my business equity for this calculation.
In other words, our net worth will get crushed in a bear market, but do well in a bull market. But with valuations so high, I’m mentally prepared for a 10% correction.
At the very least, I want to increase our net worth by $250,000 because my $1 million, 10-year term life insurance policy is coming due in January 2023. I just got a new 20-year, $750,000 term policy, so increasing my net worth by $250,000 makes up the difference.
3) Increase spending by 20%.
After a solid three years in the stock market and real estate market, I think it’s wise to spend some of our gains. This way, we’ll at least get something tangible out of our risk-taking, just in case our investments decline in value.
Increasing spending by about 20% feels like enough to improve the quality of our life, but not enough to feel bad about spending more than normal. The percentage increase follows a little less than our ~25% stock gains from 2021. We’re spending our boot and not going to feel guilty.
The only problem is, I’ve got to think hard about how to spend this extra ~$50,000 a year since we have our housing, transportation, food, and education covered. We aren’t into fancy clothes, watches, and jewelry, which is part of the reason why investing usually ends up as the main beneficiary of our savings.
We will probably spend more money on travel and vacation lodging. Revenge spending is absolutely going to be a priority in 2022. So is charitable giving. I will give more to the Pomeroy Center, which helps disabled adults, and the Edgewood Center for children.
Work Goals For 2022
Although I don’t have a day job, I have Financial Samurai. Each article takes hours to write and edit. It is up to me to decide how much to work without burning out. The challenge is usually me trying to say “no” to opportunities because I tend to want to do everything.
1) Limit online work to 20 hours a week.
20 hours a week provides me the maximum amount of joy from work. At 20 hours a week, I could easily work for the next 10 years. A typical day would be two hours of work in the morning before exercise and errands and one or two hours of work in the afternoon or evening.
This may be one of the toughest goals to achieve because there’s always something interesting to write about. Unless my hand is broken, I just can’t help but want to write. There are also an endless number of potential business partners to work with.
However, I’m committing to semi-retirement in 2022 as taxes go up and restrictions ease. The best time to retire is when the government provides the largest safety net, which is happening.
Meanwhile, one of the worst times to retire is during a pandemic when there’s less to do. Therefore, I’m just going to follow my own advice.
2) Lose no more than 25% of online income.
Given I plan to take things down in 2022, I expect my online income to decline. 2021 was a record business year because I tried harder and the economy came back. However, in 2022, I’m going to try 25% less hard on average. Therefore, if I can lose less than 25%, then I will view it as a win.
I may also finally hire some experienced freelance writers to write on Financial Samurai. Different perspectives are always welcome. However, when I tried in the past, I found it took almost as long to edit the post as to write a post. Therefore, finding the right fit will be important.
My plan is to continue investing most of my online income into real estate investments to generate more passive income. It’s also nice to have something to show for my online efforts.
3) Create a successful book launch.
I’m going to be wiped out after finally finishing my book this month. It has taken two years and a dozen edits from three professional editors and my wife to complete. In February, we’ll finish up the layout and design. Then in March, the book will be sent off to the printing presses for a June 28, 2022 launch date.
Therefore, from March 1, 2022, through June 28, 2022, I will be actively marketing the book for pre-orders. Pre-orders count towards the first week of sales. Then of course, once the book is officially live, I’ll do some more marketing through July.
To me, a “successful” book launch means at least 3,000 sales during the pre-order period plus the first week the book is live. It’s a daunting task, but I’m willing to try. Succeed or fail, I want to always try my best.
But perhaps a successful book launch is simply my kids bringing the book to show and tell and sharing what their old man does. I’d love that.
4) Give a TV interview.
After much consideration, I’ve decided to be a little more public in 2022. This is a big one given my desire for privacy and disinterest in self-promotion.
There is also a lot of unpleasantry on the internet which I’ve experienced over the years. The larger you get or the longer you’re around, the more people come at you, even if you don’t come at anybody. My comment section is sometimes used as a repository from disgruntled folks.
However, after all the incidences of AAPI hate since the pandemic began, I think it’s time to represent. Maybe by representing, there will be more love and understanding for Asian and Asian-American people.
I often think about the world my kids will grow up in. I had some rough incidences growing up in Virginia for high school and college as a minority that I don’t wish my kids to experience. But at least it toughened me up.
After all these years, there is still little diversity in the personal finance world and among non-fiction finance authors in America. It’s just the way things are as people tend to hang out with and support people who look like themselves.
I’ve looked across blogs, TV, YouTube, big media, and podcasts. The same types of people are interviewed or covered over and over again. Therefore, I plan to be the change I want to see in the world.
I know it will be hard for me to break-in based on what I look like and who I am. Further, some of my views are different from the status quo.
For example, a lot of people hate my lower safe withdrawal rate recommendation for the first few years in retirement. I got called a lot of names unfortunately. This is even after I candidly opened up about the negatives of early retirement. But I just share my experiences as honestly as possible so you can make more informed decisions.
With some virtual body armor, I’m going to give publicity a go for six months and see what happens.
5) Record 25 more podcast episodes.
I’ve enjoyed recording podcasts during the pandemic because it’s fun to deliver a message in a different way. It’s good practice to get my message across in a succinct matter. Further, my archives might be fun for my children to listen to after I’m gone.
The Financial Samurai podcast hit its 100th episode in December 2021. If I record at least one episode every two weeks in 2022, I should be able to hit 25 episodes easily. Further, if I get a sponsor, I may record even more.
You can subscribe to my podcast on Apple, Google, or Spotify. I like getting straight to the point in 8-15-minute-long episodes.
6) Grow newsletter subscribers by 10,000.
For being around since 2009, I’ve got a small newsletter list of about 50,000. This is what happens when you don’t view your website as a business.
Therefore, in 2022, I’m going to focus on growing my newsletter subscriber count by 20%, with the eventual goal of getting to 100,000 subscribers by 2025. My newsletter often talks about real-time financial and life topics versus more evergreen topics with my posts.
You can subscribe to my free weekly newsletter list here. You can also subscribe to my posts here.
7) Generate at least 12 million pageviews.
In 2021, Financial Samurai generated about 14 million pageviews. Pretty neat because most of the traffic came from search engines like Google, which tend to be less biased. Google tries to serve up the best content no matter your race, sex, nationality, beliefs, etc.
For those of you who are not part of the in crowd or feel marginalized, feel great knowing you no longer have to rely as much on gatekeepers to succeed. You mainly need to be good at what you do.
Given I plan to work 25% less in 2022, if there is a 1-for-1 correlation with effort and reward, Financial Samurai’s pageview count will decline to about 10.5 million. However, given there’s a passivity component to blogging, my goal is for pageviews to decline by 14% or less.
The funny thing is, generating 12 million pageviews in one year is about 11 million more pageviews a year than what I ever hoped for when I started in 2009. After all, it’s just me writing 99% of the content. Thanks for your support!
Life Goals For 2022
The most important thing I care about is my family. I am focused on being a better father, husband, and son. The thing I hate is losing my temper. Therefore, I’ve got to be careful not to let work goals negatively impact my family goals.
1) Recalibrate time with my children.
In 2022, my son will turn five, which means he will start remembering most things in his life. Isn’t it funny how all the researchers say the first five years of a child’s life are the most important, yet kids can’t remember much of it?
Given his memory power will increase, I need to get back to maximum fatherhood enthusiasm. To do so requires having more energy and working less. Our daughter is two and deserves just as much time with us as her brother had with us.
However, the problem with trying hard to always be around for your kids is that they sometimes don’t want to be with you! Each rebuff is like a dagger to my heart. Therefore, I also plan to recalibrate time with my children.
Kids this age can’t help themselves. Both my wife and I are always at home. Therefore, there is sometimes an oversupply of attention. And often, I’m second fiddle. But my boy is coming around!
2) Maintain the same body weight.
Although I’m about 10 pounds heavier than I was in 1999, I still fit into the same pants and shirts. Good thing styles were baggier back then!
I’ve found my steady happy weight of between 168 – 171 pounds at 5′ 10″. Sure, I’d love to be 155 pounds again like I was in high school. However, getting to that weight would make me less happy due to a diet change.
Besides my goal of fitting into the same clothes forever, I also want to stay below a 25 BMI, the threshold for being overweight. I know BMI is not the best metric for determining the ideal weight given there are some very muscular people out there. But for me, I know 175+ pounds is too heavy on the tennis court. However, it’s not bad for hitting softball bombs though.
I plan to cut down on sugar intake by 50% and intermittent fast two times a week. I will continue to stop eating before I feel full. Frankly, I just don’t want to die before 65, especially since COVID seems to be more damaging to those who are out of shape.
3) See my parents at least twice.
I’m no longer letting COVID throttle my travel plans to see my parents. They aren’t willing to travel, so I will travel to them. The ideal scenario is if my family goes out to Honolulu in July for a month or two. By then, at least my son will be vaccinated. But there’s my daughter to worry about.
We can rent a separate house and come visit my parents regularly after four days of doing our own thing and getting tested. The one or two months in Honolulu will also be a test drive for retiring in Hawaii in the future. I think it’s going to be great.
If we don’t go as a family, then I will at least visit my parents once during the summer and again during the winter for 5-7 days at a time. My trip to see them in December 2021 was really wonderful. I sensed the joy in my parents.
4) Be a better communicator.
Good communication is key to a better marriage. The conflicts we’ve had often involve miscommunication. Therefore, I will work on eliminating making assumptions and being more clear.
For example, let’s say it’s 1 p.m. and I haven’t had lunch. I’ve been up since 4 a.m. working, sending our son to school, and dealing with unreliable contractors on a remodeling problem. Instead of assuming my wife will realize that I am tired and grouchy, I will tell her how I’m feeling.
Because I’m generally upbeat and smiling, she might not understand the last thing I want to do, when I finally sit down to eat, is work on some other project. My wife will share a fascinating discovery about herself in an upcoming post this April that has helped us communicate better and me be more empathetic.
Biggest Goal For 2022: Have More Fun!
2022 is going to be better than 2021. We’ve learned so much about ourselves over the past two years. As a result, we’re going to take more action to do more of what we want and less of what we despise.
I’m looking forward to having a lot more fun in 2022. From book-signing events in San Francisco and Honolulu in June and July to maybe attending the U.S. Open in August and September in NYC, I plan to get out of the house more.
I’ve come to realize life is simply more fun when there is some daunting goal to achieve each year. It can be changing careers, relocating across the country, public speaking, getting married, or whatever. It’s that thrill of an unknown outcome despite all the preparation which gets me excited.
Failure is no fun. But not trying is even worse. We’ve made it this far, we might as well keep on going!
Related: Financial Samurai 2020 Year In Review: Didn’t Give Up
Readers, what are some of your goals for 2022? Please share them as I’m always looking for ideas and motivation. Join 50,000+ others and subscribe to my free weekly newsletter. Since 2009, the newsletter has helped people achieve financial freedom sooner, rather than later.
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