The TRY HARDER Newsletter by Jerred Moon: Edition 006

Hey Risers,

Welcome to EDITION 006 of the TRY HARDER Newsletter.

Between the money model and the better human foundations, I packed about 20 years of my brain into a few hundred words today.

I never want to hold back on bringing value, but it’s a lot. Save it for later. Read it now. But don’t ignore this one!!
And if you like it, share it with a friend 🙏🏻.

Enjoy!

In this Edition:

Building the Business

A Simple(ish) Money Model

Building the Human

The Foundation of a Better Human

Try Harder

Einstein’s Grit

Building the Business:

A Simple(ish) Money Model 💸

Today, I’ll break down a financial framework that will demystify the complexity of finance.

Yeah, I said it… Look, my kids will have this graphic memorized forwards and backwards before they move out. To me, this is important!!

I will be referring mainly to the graphic below. But, in the end, you’ll ask yourself, “why doesn’t every kid in America learn this?”

A Simple(ish) Money Model

So let’s talk about money 💵. Because you can be an entrepreneur, make a ton of money, and still suck with your money. Most do.

Disclaimer: I am not a financial advisor. Do not take anything in this newsletter as financial advice, ever. Do your research. Consult a professional investment advisor before making any investment decisions!

Cash Flow

Cash flow is simply the money you have coming into your possession. For example, you can have cash flow from your work (I Work for $$$), or you can have cash flow from an investment ($$$ Works for Me).

Protect Your Cash Flow

You have to protect your cash flow. You protect your cash flow through insurance. You need adequate insurance in the following categories: disability, health, life, home/property, and auto. Not much can screw up your financial life more than being underinsured when an unfortunate event occurs outside of your control.

Now, WHAT TO DO with your Cash Flow.

With your Cash Flow, you can only do four things:

Spend: We all know how to spend money. Buy what you need before you buy what you want, and keep the most important rule: Only spend what you have.
Hold (Save): You can hold your money, a.k.a. save it. The general rule here: save enough for 3-6 months of living expenses.
Donate: You can and should donate your money. How much and to what cause is a personal preference.
Invest: Everyone’s favorite… Investing your money. I will not tell you where to invest your money, but I will give you a framework for investing it.

The LEND/OWN Framework

When you Invest, you are either LENDING money or you are putting money into something to OWN it.

Once you realize that’s all you can do with your money in investing, it gets uncomplicated fast.

Within this LEND/OWN framework, there is a passive option and an active option. Each option generates a different rate of return.

Anything PASSIVE will generate a lower rate of return. If you don’t want to work, the return will be lower. Generally, the risk is also lower.

Passive examples:

Certificates of deposit (CDs). You LEND money to a bank for a set time; they give you a small return for lending them the money.
Real estate. If you OWN your home, it is appreciating while you do nothing. You could also OWN a house and let someone else rent it out, and you get cash flow. Being a landlord is not entirely passive, but it’s a lot less active.

If you put in the work, the return will be higher. But, generally, the risk is also higher.

Active examples:

Trading. You can trade stocks or crypto; it’s all the same. I’m not talking about putting all your money in an index fund and waiting 30 years. Instead, I mean active day trading, a high-yield activity (when you’re good or lucky). You LEND your money to an entity that uses your capital to attempt to improve its value.
Business. Owning and being active in a business has the highest rate of return you can see. Nothing can beat it.

If you are NOT an entrepreneur, by all means, dive deep into CDs, bonds, real estate, stocks, and crypto. I mean, how else are you going to make more money?

If you ARE an entrepreneur, go all in on your business!! Forget about all that other stuff until you have so much money you are forced to start figuring out where to put (invest) it.

Takeaways:

Focus on growth before saving pennies
Look to this chart when you get lost

Building the Human:

The Foundation of a Better Human 🧬

Something we teach every coach and athlete we work with is the importance of simple foundations.

Let me introduce you to what we call the EO3 Elements 🧬.

The EO3 Elements

The EO3 Elements are the foundation of making any training program or nutritional protocol work and, honestly, the foundation of being a better human.

Dialing in your lifestyle parameters is the BIGGEST first step you can take in improving mental acuity, balancing energy levels, and increasing performance.

Committing to the EO3 Elements is something that should be done daily over decades.

To start, we recommend treating it as a game where you get ONE point per completed item. Rather than aim for perfection, aim for as many points you can get each day. Over time, it will go from game to habit.

Once these habits become a part of who you are, your life will dramatically change.

You will forever be primed for high-performance in all areas of your life.

This is the foundation we build better humans on.

Make the commitment today, play the game, and build the habits!

The foundation of a better human

Takeaways:

If you have zero of these habits, start small, pick one and build from there
Treat it as a game; aim for points, not perfection

Try Harder:

Einstein’s Grit 🧠

Do you think Albert Einstein just waltzed up to a chalkboard one day and starting spitting out the theory of relativity??

Yes, the father of modern physics was pushing paper as a patent clerk for years before his breakthrough.

His groundbreaking paper on relativity? That wasn’t an overnight epiphany.

It came after years of being sidelined, years of stubbornly pursuing his own line of inquiry despite the eye-rolls of the establishment.

Every rejection, every failed experiment, was a stepping stone, not a stop sign.

Where are you putting in the work, quietly revolutionizing your corner of the world?

Let Einstein be your reminder: true genius isn’t a flash of brilliance, it’s a slow, grinding accumulation of effort and grit.

Buckle down. Keep grinding. Who knows? You might just be on the brink of your own theory of relativity. Remember, it’s not the IQ that wins, it’s the GRIT.

Try harder,