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“Cathy, come here. You’re never going to believe this,” exclaimed a breathless Tim.

Cathy sighed. She was so over his Bezos Bod and carnie diet (detailed in Tuesday and Wednesday’s episodes).

“Look at this. Un-frigging-believable."

She looked at his screen.

All she saw was a cartoon ape.

She was confused.

Cathy had vaguely heard about these NFT things, but it was Thursday Morning. She had work to do. Didn’t Tim have Zoom calls he needed to be on?

“Remember, Richie So,” Tim asked.

“Richie, your roommate from sophomore year?” Cathy hadn’t thought about that name in decades.

“So get this,” he continued, his voice trembling. “Richie, hasn’t done ANYTHING since college. He barely graduated. Did some Endless Summer wave-chasing BS. He moonlights as an Uber Eats driver. Then somehow — SOMEHOW — gets his hands on an Ape. Then sells it to Jimmy Fallon for $225,000.”

“Good for him,” adds Cathy unimpressed.

“No. GREAT for him. He then takes those profits and reinvests them in Solana,” Tim’s frantic. “The Solana coins double and he now owns a 5,000 square foot house IN MALIBU.”

“I’m very happy for Richie,” she demurs.

“We are missing the boat. MISSING THE BOAT. THE TRAIN IS LEAVING THE STATION. WITHOUT US. I think I’m going to liquidate my 401K and buy us some Solana coins,” he stated emphatically. “Malibu, here we come.”

Even though Tim ran the family finances, Cathy had heard enough. $10 Tim was very susceptible to waves of FOMO. It rankled him when others excelled in life, by "getting lucky."

“Tim. We’re good. We’ve paid down 50% of our mortgage. Our house has doubled in over the past five years.” Cathy spoke to him as if he was their 6 year old. “I think you should just stick to your Bezos Bod. Or that partner promotion.”

She then went and changed Tim’s password on his Fidelity account.

***

$10K Tina used to be a sucker for FOMO.

She went to college in NYU and (in her words) “Had a lot of fun.”

She'd got FOMO when her friends got VIP invites to industry night at Marquee.

She also got FOMO for missing the 2007 Daft Punk concert in Coney Island. She’d never forgive herself for being “a bit tired” the night of that epic outdoor DJ set.

But now at 41, FOMO had thankfully become a relic of the past.

She had found something better.

JOMO.

Yup, the Joy of Missing Out. She even found herself sharing the Oxford definition with her friends:

Especially those "Constitution Crypto" friends of hers.

As someone considered tech savvy, a day wouldn’t go by without someone imploring her to buy some crypto-coin-du-jour.

She watched really smart friends of hers flush hours (literally hours) down the drain trying to buy the constitution through a DAO.

She saw other really smart friends stop exercising, shun their kids and abdicate their job responsibilities so that they could spend every waking minute swinging for FOMO-induced crypto schemes.

Sure, a tiny sliver of them had made a boatload of money. But Tina’s mantra was “If you’re constantly checking something, you ain’t rich.”

And she was filled with joy that she hadn’t gotten sucked into any of these schemes.

(Tina wasn’t a sucker either — she had dabbled in crypto 6 years ago, buying $100 each month of a Bitcoin/Ethereum combo.)

---

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---

As $10 Tim sat down at his desk he was greeted by a huge surprise. A career-defining surprise.

Tim's team had a big presentation for a $4 million account. Their firm had made it into the last round and sealing the deal would catapult Tim into the rungs of top producer with more than 11 months left in the year.

He read the email from his big boss carefully:

Tim was ecstatic. These were the types of presentations that fast-tracked you into the partnership.

He sat down to download the latest DiamondFalls financials from FactSet when he felt his phone buzz.

It was from Richie:

Richie had the magic touch when it came to all these meme coins.

Tim knew he had to move fast.

He opened his new MacBook Pro and fired up his Binance account. As he logged in, Binance didn’t recognize his new laptop and asked for his Authenticator Code.

Easy peasy.

Crap. He had also gotten a new iPhone13 but hadn’t updated the Authenticator app.

He needed the back-up codes. Crap, where were the back-up codes?

He rifled thru his underwear drawer. Nothing (but a few broken vape pens).

He stormed the “passport drawer” in the study. There were passports, expired credit cards, cashed checks and lots of insurance cards.

But no back-up code.

Richie prodded him with another blue bubble.

“Cathy!!!!!” He yelled downstairs, but she was pumping her Peloton with her headphones on to an Ally Love ride. (“Interrupt me with Ally Love and our marrriage is toast,” she had warned him before.)

Tim started frantically emptying old boxes filled with half-used notebooks, old photos and business cards throwing them onto the ground.

He then felt his phone ring.

Crap. It wasn’t Richie. It was his boss Charlie.

“Hey Bezos. Kelly tells me she can’t get a hold of you to review the Q&A doc. What’s up? You’re on in less than 3 hours. I think you're too busy doing squats. Anyways, I asked her to sub in for you. You’ll get your shot next time.”

***

Tina had JOMO’d her way into significant crypto wealth with the most mundane investing strategy. By putting her investment on auto-pilot (autopilot was, her thing), she had survived the 3 year Crypto Winter and compounded a mountain of profits.

But she wasn’t resting on her laurels. (Nor was she talking, tweeting or bragging about it.)

Her investment philosophy was inspired by someone who could stare down FOMO and play the long game — Warren Buffet. She’d heard The Oracle of Omaha once say on CNBC:

She loved that mantra and had quietly adopted it.

And since learning DeFi was one of her Quarterly Learning Sprints, she was committed to finding new ways to be “patiently aggressive” in her investment strategy.

Two things had piqued her interest. The ability to borrow against her existing portfolio (at really low rates) and the ability to lend money (through stablecoins) at really high rates.

So she made two moves.

The first was super simple. She cut her monthly investment into her S&P 500 portfolio by 50% and swapped it into a stablecoin earning 9%.

She set a reminder to review this trade in 6 months to assess its efficacy.

The second was a bit more enticing, and admittedly a touch riskier.

This had been inspired by Mr. Money Mustache’s recent posts on margin lending and some conversations she’d had with her financial advisor.

Tina was going to take her appreciated Bitcoins, deposit them into the Celsius Network and borrow at a ridiculously low rate (1%!!!) enough for a down payment.

She was about to check off a key item from the family "bucket list."

They were going to buy a mountain home.

Ski-in, ski-out.

And a hot tub.

She was filled with pride at her long-term risk taking, commitment to a process and the systems that enabled her to do so (without creating unnecessary stress).

She printed the listing and wrapped a little red bow around it and ran upstairs to surprise her boys.

---

Do you find FOMO debilitating? Could a healthy serving of JOMO bring more purpose, clarity and joy into your life?

Our mission at RadReads is to help professionals lead more productive, examined and joyful lives.

During the 4 weeks of Supercharge Your Productivity you'll learn how to stay focused on the most important things in life and play the long game.

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PS We're hosting a free event this weekend to help you focus on your priorities (instead of chasing the latest FOMO). This Sunday at 11:30 am EST, I'll walk you through a Weekly Review Workshop. Just click the link to sign up.

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