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Master Money

andrew@mastermoney.co


What’s Poppin’,

This is Master Money, where we help you build the kind of financial foundation that makes every other problem in your life slightly more manageable.

Here’s what we have on deck today:

📗 Read: How I Fixed My Sleep in 30 Days

🎙️ Listen: She Hit Rock Bottom and Still Built a Six-Figure Life. Here's How. (With Rebecca Whitman)

How I Fixed My Sleep in 30 Days

For months, I was waking up at 2:00 in the morning.

Not occasionally. Multiple nights a week. I would open my eyes in the middle of the night, completely awake, staring at the ceiling with no idea why. Then I would lie there for an hour trying to fall back asleep, finally doze off around 4:00, and drag myself through the next day running on empty.

It was starting to affect everything. My work. My decision making. My energy. The way I showed up for my family. Sleep deprivation has a way of quietly degrading every part of your life before you even realize how bad it has gotten.

I could not figure out what was wrong. I was not struggling to fall asleep. I was struggling to stay asleep. And there is a difference. Most sleep advice is aimed at people who cannot fall asleep. My problem was different, and it took me a while to figure out what was actually causing it.

So I decided to take sleep seriously. Not casually serious. Actually serious. I started tracking everything, testing things one at a time, and paying attention to what moved the needle and what did not.

Here is what worked.

Moving My Workouts to the Morning

I used to love working out in the evening. It melted away the stress of the day and felt like a natural wind-down. Turns out it was doing the opposite to my body. Evening workouts elevate your core temperature and keep your nervous system activated for hours afterward, right when your body is trying to shift into recovery mode.

I moved everything to first thing in the morning. I have a full home gym, so the logistics were easy. Now I get my lift and cardio done before the day even starts. My evenings are genuinely calm now in a way they never were before, and I think this change alone made a meaningful difference.

Waking Up at the Same Time Every Day

No matter what. Weekdays, weekends, late nights, early nights. Same wake

time.

Your circadian rhythm is essentially a biological clock, and it runs on consistency. Every time you sleep in on a Saturday, you are quietly throwing that clock off. I locked in a fixed wake time and stopped negotiating with myself about it. It felt rough for the first week. After that, my body started doing what it was supposed to do.

The Chili Pad

This one changed everything, and I want to be clear that nobody is paying me to say that.

Once I started actually paying attention to what was waking me up at 2:00 in the morning, I realized I was hot. Not a little warm. Hot. I run warm naturally and apparently I had been overheating in the middle of the night for months without connecting it to my sleep problems.

I got a Chili Pad, which is a water-cooled mattress pad that keeps your sleeping surface at whatever temperature you set it to. I set it cold. The difference was immediate. I started hitting consistent sleep scores in the high 90s and hundreds on my Garmin Forerunner 970, scores I had never seen before.

There is one honest downside. The Chili Pad has coils that sit underneath you, and they are noticeable. They bother me. I have made peace with it because the sleep improvement has been so dramatic that I am willing to deal with the discomfort for now. If the coils sound like a dealbreaker, look into the BedJet as an alternative. It pushes temperature controlled air under your covers and does not have the same mechanical feel.

I also run a Dyson fan in the room and keep the thermostat at 69. The Chili Pad plus the fan has dropped my sleeping heart rate down to 42 to 45 beats per minute consistently. That number tells you everything. A lower resting heart rate during sleep means your body is actually recovering the way it is supposed to.

Cutting Screens Earlier in the Evening

I moved screen time to an end around 9:00 pm most nights and replaced it with reading. I will be honest, I do not do this perfectly. Some nights I do not feel like reading and I will turn something on. Weekends are more flexible. But the general shift toward less screen exposure in the two hours before bed has helped, even if it was not the main fix for my specific problem.

The Sleep Mask

Thirteen dollars on Amazon. Genuinely useful. If there is any light in the room at all, even a small amount, a cheap sleep mask eliminates it completely. I was surprised by how much this helped on certain nights.

What I Am Still Testing

A few things I have not fully dialed in yet but am working through.

I started keeping a notepad on my nightstand. The idea is to dump everything on my mind onto paper before I go to sleep, a full brain dump of tomorrow's to-do list, anything I am worried about, anything I need to remember. The theory is that your brain keeps you partially awake trying to hold onto things. Writing them down gives your brain permission to let go.

I am also looking at sunset glasses for evenings and experimenting with getting at least 15 minutes of direct morning sunlight right after I wake up. Morning light exposure is supposed to anchor your circadian rhythm and signal to your body that the day has started. I have been inconsistent with this one but plan to lock it in.

The Salud Sleep Powder

On nights when I feel wired at 9:00 and know I am going to struggle, I take Salud sleep powder. That stuff has been genuinely great. I do not rely on it every night but it has been a useful tool on the nights where my brain will not quiet down on its own.

The Biggest Change Nobody Talks About

Sleep is one of those things that is easy to deprioritize when life gets busy.

You cut it to create more hours in the day, not realizing that every hour you steal from sleep costs you two hours of productive, clear-headed work the next day. The math never works in your favor.

Thirty days of taking this seriously has changed how I feel, how I work, and how I show up every day.

Start with the temperature. That one alone might be the whole answer.

This is the hydration drink I take every single time I work out.

I used to finish a workout and grab whatever was nearby. Water. Maybe a Gatorade. But I always felt like something was missing. Turns out, most hydration drinks are just sugar water in a fancy bottle.

Salud's Hydration + Immunity changed that for me. Over 400mg of electrolytes, coconut water powder, elderberry, and Wellmune® clinically shown to support your immune system, all in one little stick pack with only 1 gram of sugar. I really believe this is the best hydration product on the market. I take it before, during, and after workouts and I have never felt better.

The flavors are incredible too. We're talking Mango, Jamaica (Hibiscus), Paloma, Horchata, Cucumber Lime, and Guayaba. These taste like real agua frescas, not a chemistry experiment.

Master Money readers get a 10% discount using the code PFP at checkout.

Shop Salud Now
Link: https://tastesalud.com/PFP

📚What I Am Currently Reading…

I get a ton of questions from listeners and readers as to what I am reading. So we decided to let you know via the newsletter.

The High-Performance Book Club will be a way to share this. If you want to be Elite in your career, business, or with your wealth, then welcome to the club.

If you would like to see our previous picks, you can find them here.

1929: Inside the Greatest Crash in Wall Street History--and How It Shattered a Nation

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Master Money

I teach you how to master your money in less than 5 minutes per week. I am the host of The Personal Finance Podcast with 400K downloads monthly and the Founder of Master Money.

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