☝️ Upwarding #40: Tight Muscle Solution, The High Cost of Avoiding Taxes, Changing Your Mind

Welcome to this week's Upwarding newsletter. My blog, with more in-depth content, can be found here.


Because of the family business branded calendars my father used to bring home, I’ll always associate the month of December with beautiful pictures like this.

Thank you Mike Kotsch for the photo.


“All that we are is a result of what we have thought” – Gautama Buddha


The reason you have tight hamstrings has a lot less to do with the muscle and a lot more to do with your nervous system resisting that part of the movement.  Makes a good case for yin yoga, since the way to retrain the nervous system is to hold the edge of the stretch for an uncomfortably long period of time (think in terms of minutes not seconds).


A few months back I got a letter from a reader about the portfolio I described in our bestselling book, “How to Stash That Cash”. The reader thought that he would be better off by investing the bond part of his portfolio in an equivalent fund that was tax-advantaged.  I ran a simulation for him, and here were the results:

So as sad as it is to pay taxes, it’s even sadder when the price of paying less taxes is that you also don’t earn as much money.  So while the government doesn’t win, you don’t win either.  You can’t hate taxes but don’t let it lead you to hurt yourself.

Random Thoughts

I’m pretty sure there are multiple universes.  See my long form article here.  In short, we humans have been pretty bad at learning that there is more out there than what we see (think Columbus and Copernicus).


“When the facts change, I change my mind.  What do you do, sir?” -John Maynard Keynes