Plant Your Dream Seeds – How To Terraform Your Life.

During the Corona lockdown we have started gardening more than ever. It was so exciting to witness how little seeds grew into plants and start bearing fruits themselves – mostly in a truly short time.

Planting a goal or a dream is a lot like planting a seed.

First, you dream. Then you plot and plan. Next, you start implementing.

By making the first steps towards making your dream come true, you plant the seed!

If you take the right steps and measures, apply focus and nutrition, you may see your idea and hard work sprout and turn your dream into reality.

Beware: Sometimes the seed doesn’t sprout or grow despite your efforts!

This may be due to the wrong measures applied, too little focus, too much sunshine, too little water or other reasons? Try to find out why your dream didn’t sprout and then decide whether you’d like to give it a second chance – or give up.

Gardening, starting up a business or doing anything you may consider “your dream” may not be easy – at first.

That’s why you shouldn’t give up too early.

Learn to accept failure as a crucial factor – towards success.

Sometimes you win, sometimes you learn.

Fail, fail early, fail forward.

Keep trying if your goal is worth your while. Like farmers, keep planting seeds and work on optimizing your methods.

Some will fail but more and more will grow.

It’s never the wrong time to start planting the seeds for your dream!

Mostly, the simple act of starting is what makes the conditions right.

Dreams don’t know any seasons.

Listen to your dreams.

We all have dreams.

Take pleasure in dreaming.

Take them seriously.

Listen to them.

This is YOU!

We all start small in life.

Important is that you learn how to plant your seeds early in life.

This doesn’t mean later in life you should stop planting though!

Plant many seeds if you can.

Don’t judge your young days by the harvest you reap but by the seeds that you plant.

All growth has humble beginnings.

Growth starts with a seed that is planted, watered, nurtured, and well taken care of.

Dreams like seeds might take a while to start growing and often sprout when you least expect it!

Keep taking care of your seeds and remain patient.

Don’t give up on your seeds too early.

Do the hard work necessary and enjoy the baby steps of your young dreams.

This is mostly the most defining moment of big dreams coming to fruition.

Once your dreams have taken an initial leap and grown to a certain size, make sure you give them the necessary space, focus and care to enable them growing into their next level.

Remember to remain patient.

Take the long-term view.

At a certain point in time your dreams should be able to “grow” legs and learn how to survive by themselves.

The phase of initial recurring, sometimes painful efforts is over for now.

This is what can also be called “habits have been formed”.

You have started to change and working on your dream has become a reality of your daily life.

Depending on how many dreams you’re chasing, in this phase it’ll get crucial to start optimizing your farming efforts.

Keep grooming your field of dreams further in a systematic way.

Keep pushing into the unknown.

Dream big and figure out how to best allocate your limited resources to face adversity and make your dreams take over previously uncontested or infertile territory.

Nurture your dreams from deep within.

This phase is usually expanding your established business further or going the extra mile once again even you may not have to.

Many people are once again afraid of pushing through this growth barrier.

Think: What go you here, won’t get you there!

Our society is primed to keep people well within their comfort zone.

If you have grown to this stage, others will start to take notice how your dreams have taken shape.

This is where people will notice your growing dream.

Don’t be average.

Stand out.

With your dreams slowly becoming your reality, you will come across naysayers, haters and potential enemies.

Haters – like weeds – grow where there is nutritious ground.

If you chase your dreams, it’s normal – I would even say a positive sign – to attract these voices to your life.

It means you’ve created something too large to ignore.

You’re no longer living your life on “average” mode…

Learn how to fight those weeds in a smart way.

Don’t let them pollute your dreams.

No matter what obstacles you may encounter on your path of growth, don’t you ever think of blaming your circumstances.

Find out where you can influence the situation and apply your focus there.

Take ownership!

Wherever you are or what you do, other people have found ways to let their seeds grow before you – in similar situations.

Learn from them if needed and stay creative.

Think outside of the box: Unbox yourself.

Instead of impossible, say: I’m possible!

If you keep this course, stay patient.

Keep observing how the landscape of your dream life slowly turns greener.

You’re on the right path.

See how your dreamlife grows and how it transforms the world surrounding you.

You’re on the way to sustainably “terraform” your life now!

One day your efforts will start to pay-off.

First small.

Then increasingly more.

This is compounding at work.

Compounding works with money, with habits, with skills and with more.

No matter what you’re working on, try to be 1% better than yesterday – each day. And never stop.

This is how you can’t lose over time!

Ultimately your garden of dreams will bear fruits far beyond your wildest imaginations.

You might not be able to enjoy ALL the fruits of your dreams and efforts by yourself anymore.

This is great!

When that happens, reach out and start sharing your insights, your lessons and your harvest – the fruits of your dreams – with family, friends and anyone interested in learning.

Inspire them to plant their own seeds!

You can’t just plant a garden of dreams and be done with it.

This would be like saying “I’m done growing as a person now, what’s next?”.

Going after your dream life is more about finding ways to make the garden of your dreams more interesting, fun or diverse.

You can always find a way to redesign, rearrange or optimize further to add value to all it serves.

This is how to plant, nurture and grow seeds for successfully making your dreams become reality and terraform your life.

Keep dreaming.

Like my two your kids that have so many dreams themselves.

Imagineer your life and inspire others to do the same!

How many seeds have you planted this week?


Bake Yourself Rich

We are all kneaded out of the same dough but not baked in the same oven. Baking yourself rich is not some half-baked idea but a simple proven way to up your creative skills, increase the quality of your bread and lower your expenses sustainably – so you can bake your world a better place without cutting back too much in life.

We are baking our own bread for many years already. It all started one fine day when my Singapore neighbour Jason knocked on the door. In his hands, he held a freshly baked bread – as a gift for us – thanks again Jason for sharing!!!

Jason’s bread came straight from the oven, it was still warm. The smell was irresistible. Therefore, we did the only thing reasonable human beings would do: We sat down together, got some olive oil and salt, and started to devour this loaf of goodness – on the spot.

It was a snaccident.

Imagine the crispiness, the cracking of the crust, then the fine vapor escaping the warm, moist and soft inside of this wonderful bread.

Yes, getting good bread in Asia is difficult – and I was starved.

I wanted to try to bake it myself.

Baking bread is no rocket science doesn’t take a lot of time. Hey I could do it and I’m a trained economist and banker… how hard can it be!? It’s just some flour and water mixed and baked.

Give me your 5 minutes and I shall show you how.

How to Bake Awesome Bread

My friend Jason introduced this plain simple but perfect recipe (click here to download printable PDF) to bake my own bread a few years ago:

Before you get started be sure to have:

Ingredients: flour, water, yeast and salt.

Tools: a dough kneader or food processor (although you could use your hands as well – but beware, it’s a wet dough!), a dutch-oven or coverable pan (we have a Le Cleuset) and an oven.

Click on the above links – just some recommendations: You can use similar tools as well of course.

Step 1: Mix it! Put all ingredients together and mix them for about 5 minutes.

Step 2: Let the dough rise for at least 8 hours. Cover the dough with a towel! We prefer to let this happen overnight in order to have warm bread for breakfast. Spend around 5 mins before going to bed and leave it till the next day.

Step 3: Baking: Put additional flour into your dutch-oven to avoid the bread to stick later on, add the cover and bake for about 30 minutes. Then take cover off and keep baking for about 5 minuts or until crust is brown.

Step 4: Done! Let it cool down somewhat and enjoy!

My neighbour Jason and me became good friends, he later also taught me how to brew my own beer – I used to refer to him as the Beer Doctor! We frequently savoured our own beer creations in our condo jacuzzi and brainstormed more ideas.

But that’s another story.

Rise Your Own Dough $$$

The necessary ingredients are cheap, in average it cost me less than $1 to bake one loaf following the above recipe. Depending where you live and what flour and yeast you use, there will be different costs.

Try to experiment.

For us, each bread baked results in savings of about $2-3 in Europe and even more if we are in Asia.

If you’d like to check out how small but regular savings can compound into a substantial amount of money, please also make sure to check out my recent post “Million Dollar Haircut” to save more.

For bread, money is not the main reason for us to bake.

It’s the combination of having fresh quality bread – we simply LOVE this bread over the stuff we could buy – and second convenience: Once you do it a few times, your active “working time” required is less than 10 minutes per loaf.

What is better than baking your own $$$


Freshly baked bread right out the oven is just so much better than buying from the store. Baking your own bread is no rocket-science. It also saves you money and you can explore more fancy alternatives if you like.

Nothing says home like the smell of of baking.

Now, don’t be procrastibaking and get started. Be sure to at least try it once.

Download the above recipe and give it a try.

Let me know in the comments how it tasted and felt to start baking.

If you like it please bake someone else happy by sharing your bread or this recipe with family and friends just as Jason did with us one day. .

Happiness is having self-baked bread!

Bakers gonna bake!


Disclaimer: Please be made aware that the some of the links used above may be affiliate links for which Financial Imagineer could receive a compensation.

The Art of Jacuzzi Beerstorming

Dipping in hot water has been an enjoyable activity for humans over centuries. No wonder jacuzzies have become such a popular backyard feature. Tons of research show how hot water therapy can positively affect you physically, mentally, and spiritually. There’s even more to it. Financially. Read on!

Regular hot tubbing can sustainably improve your life. It can help you become better at generating creative ideas, focusing your thoughts, getting clarity about your goals, and building your network while doing this together with likeminded people. It can make you happier and richer.

Spa time in Taiwan

Jacuzzi Beerstorming

My grandfather used to say: There’s nothing better than something good together with something good. Jacuzzi Beerstorming is just like that. It’s one of my favorite habits. It combines even THREE of my favorite ways to spend time: Bouncing ideas with friends, sipping a cool beer and dipping the jacuzzi.

The basic concept is to bring people together into a situation where they are forced to disconnect, relax, rest their minds and can focus on bonding. The warm water and bubbles are helping with the relaxation part. Good beer enables to open up minds, unblocks certain boundaries and lets unlimited creativity flow.

Jacuzzi Beerstorming [ʤəˈkuːzi bɪəˈstɔːmɪŋ]: The activity of brainstorming with likeminded individuals while sipping beer in a jacuzzi.

Financial Imagineer

Disclaimer: Stay hydrated and do not drink too much alcohol while hot tubbing

In our Singapore condo “The Waterina” we have established an awesome group called “The Jacuzzi Mates”. When in Singapore, we usually meet several times a week in the early evening hours to relax and exchange ideas together. After a few “Jacuzzi Mates” sessions we were surprised by the usually very positive thinking and creative idea sharing without any boundaries.

Following these sessions, careers have changed. Businesses have started and investments in real estate and others have been made. In retrospect, “Jacuzzi Beerstorming” sessions where the incubator for many things.

Jacuzzi Beerstorming with Jacuzzi Mate in Singapore

Giving Birth to Ideas

The essence of Jacuzzi Beerstorming is to create the right atmosphere combining the informal (bathsuits, super relaxing activity) with being away from anything that smells like work or unnecessary distractions (meetings rooms, offices, Starbucks) and simply add good beer to it! While it works best with groups, introverts please feel free to “fly solo” to keep your mind on creative mode. Jacuzzi Beerstorming is very comparable with meditating. It usually gives me the best ideas.

Try to think back in your life: Think about that one time when your most brilliant insight struck you. Chances are you weren’t actually focused on anything. Right? Fact is: The best ideas usually come unexpected and especially when we allow space for them.

Your mind will answer most questions if you learn to relax and wait for the answer.

William S. Burroughs

After having studied the brains’ default modes, the author of the book Hyperfocus: How to Manage Your Attention in a World of Distraction coined the term “scatterfocus” to describe the act of purposefully letting the mind wander. If you’re like most ambitious people out there, there’s a high chance you resemble more a time-management and productivity expert and simply can’t accept the concept of “actively doing nothing”. You might have trouble getting into “scatterfocused” stage.

The actual key is to build (or to schedule if that’s what it takes) sufficient idle moments into your life – while accepting that idleness and getting stuff done aren’t in opposition! Idleness IS getting stuff done as an idle mind is not necessarily a lazy mind.  

Imagination Requires An Idle Mind

“Idle” and “lazy” are two very different concepts, with very little overlap. “Think of it this way — a fisherman is often idle while still at work,” says Celeste Headlee, author of the new book Do Nothing: How to Break Away from Overworking, Overdoing, and Underliving. “The same is true for a toll booth operator or security guard. Idleness means inactivity, while laziness means reluctance to work.

Can a person be idle because they’re lazy? Of course! But a person can be working while idle and active while not working.”

Imagination requires space and time to stew and simmer, to explore and to emerge; imagination dies in the crucible of intense competition (of ideas). It is ironic that humanity created tuition classes for imagination driven by a spirit of competitiveness in schools.

Jacuzzi Beerstorming is the habit that works best for me – and eventually might also work for you. It’s my secret sauce to “Imagineering” my life. It’s just about enough activity to stimulate my brain while my ideas do not have to compete with distraction or conflicting thoughts. With the right friends around plus beer, neurons will be firing on all cylinders and new, creative, and motivating ideas will be born!

If you’d like to work on designing a new life-plan together with your loved one, please read my guest-post on Get Rich Slowly about “How couples can create a shared plan for the future”.

“People often say that motivation doesn’t last. Well, neither does bathing, that’s why we recommend it daily.”

Zig Ziglar

How Billionaires Use Hot Tubs

As Tim Ferriss shared in his excellent book Tools of Titans, Chris Sacca, a Silicon-Valley early-stage investor in dozens of companies such as Twitter, Uber, Instagram, Kickstarter or Twilio, took a very out-of-the-box approach to get started focusing more on his business back in 2007. He started by buying a cabin in rural Truckee, Tahoe’s less-expensive neighbour. That’s where he moved to, away from the Valley, with a super convincing rationale:

“I wanted to go on offense. I wanted to have the time to focus, to learn the things I wanted to learn, to build what I wanted to build, and to really invest in relationships that I wanted to grow, rather than just doing a day of coffee after coffee after coffee.”

Now he had the perfect excuse to escape the Valley’s “busy-ness”, he no longer attended meetings he didn’t want to, no day-in-day-out coffee dates or late night socializing. Chris turned his life around and started to invite founders and people he liked to get closer to for a day or two to his cabin.

And guess what, the cabin sports a hot tub!

Billionaire Tech Investor Uses Hot Tub Endurance Test To Pick Winners, Because Science

Despite all his fanciful and successful investments, Chris considers the cabin the best investment he’s ever made. “Everyone loves coming to the mountains. Over the years, that’s helped me build lasting friendships. Some of those have been the catalysts for my investments in Uber, Twitter and others.”

Over the years, Sacca has perfected his “due diligence” in order to avoid bad deals. Besides hot tubbing, he observes the new entrepreneurs at his cabin to see how they act over a series of home-cooked meals, hikes and ski trips. While the Andreessens and Thiels are taking their chances in a boardroom, Sacca wants to see what money-hungry nerds will do out in the nowhere. This way he will gain insight on how well they are prepared to navigate the crazy world of the tech biz.

If you really want to get cash from Chris Sacca, then you better get yourself ready for an epic “tub session”. Travis Kalanick, chief executive officer of Uber, impressed Sacca through his hot tub resilience: “Travis can spend eight to 10 hours in a hot tub,” Sacca said. “I’ve never seen a human with that kind of staying power in a hot tub.” – Chris Sacca invested in Uber!

How long can you stay in a hot tub?

Sir Richard Branson

Sir Richard Branson, another Billionaire, has refined “bonding events” with entrepreneur even more. You can actually “buy time” with him directly here. If you attend the event, you “might” get to meet him on his own island, Necker Island, located in the British Virgin Islands.

There are great success stories about people bonding with Sir Branson either in a hot tub or around his bonfire on Necker Island. Branson particularly believes in taking relaxing bubble baths for brainstorming purposes.

Become A Jacuzzi Brillionaire

To enjoy a hot relaxing bubble bath, you don’t have to be a billionaire. Depending where you live, you may have natural hot-springs around or can find facilitated hot tubs in public pools. You can also find them in hotels, gyms (wellness section, Spa area) or your friends and neighbors might own one.

Only in 2020 did I realize owning a hot-tub is significantly cheaper than I previously thought. As this year we can’t travel as freely as in earlier years, we have redirected parts of our travel budget and bought an inflatable Intex SPA hot tub for our garden. It reminds me a lot of our condo jacuzzi in Singapore where many friendships were made, and ideas were born. Similar products are available on Amazon.

Inflatable Intex SPA in our garden in Switzerland

Hot Spring Culture Around the World

Did you know that across the world dipping hot water is widely enjoyed, cultivated, and respected?

Most often bathing in hot water is done for health benefits: The heat widens blood vessels, which sends nutrient-rich blood throughout your body. Warm water also brings down swelling and loosens tight muscles. And the water’s buoyancy takes weight off painful joints. A dip in the hot tub might also help your mental state, lets you relax and sleep better!

In Japan, monkeys also enjoy the benefits of a dip in an Onsen.

If you happen to travel, please do take your time to enjoy the local bathing culture in different locations. We have dipped hot-waters in Taiwan (“Wenquan”: Yangminshan, Beitou, Wulai, Taroko Gorge hot springs), Japan (“Onsen”), New Zealand (Hanmer Springs) and Iceland (Blue Lagoon!). Each place has a different feeling and background story.

Blue Lagoon, Iceland
Blue Lagoon, Iceland, “Gull” (gold) beer is served in a bar directly attached to the hot water.

Thanks for reading this far. Chances are, you might be someone enjoying hot water and/ or beer a fair bit! What was your best experience dipping a hot spring, jacuzzi, onsen, wenquan or hammam??? Do you also like to sip a good beer along? I’m sure we’d all be more than curious to find out. Not just location wise, but also if you’ve had some great ideas, met interesting people or something else happened while dipping!

Happy Jacuzzi Beerstorming to You!

Cheers, Matt

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Do You Even Blog?
Do you even Jacuzzi Beerstorm?

Disclaimer: Please be made aware that the some of the links used above may be affiliate links for which Financial Imagineer could receive a compensation.