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Master Money

How to Protect Your Time, Energy, and Focus!


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Happy Good Friday. This is Master Money, because checking your bank account shouldn’t feel like checking test results you didn’t study for.

Here’s what we have on deck today:

📗 Read: Stop Saying YES to Everything

🎙️ Listen: 17 Tiny Habits That'll Make You RICH

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Avoid Saying Yes to Everything: How to Protect Your Time, Energy, and Focus

When you’re trying to grow, build, or make something meaningful—whether it’s your wealth, your business, or your life—you’ll start to notice something:

Opportunities come at you fast.

People want your time. They want your attention. They want you to “jump on a quick call” or “just meet for 15 minutes.”

And if you’re not careful, you’ll spend all your energy reacting to everyone else’s priorities—and never making progress on your own.

That’s why one of the most powerful habits you can build is learning to say no.

Not in a rude way. Not in a “burn every bridge” way. But in a focused, intentional, “I know what I’m building” kind of way.

Let’s talk about how.

Why Saying “Yes” Too Often Slows You Down

At first, it feels like saying yes is the right thing to do. You want to be helpful. You don’t want to miss out. You want to be the kind of person who shows up.

But when you say yes to everything, you end up overcommitted, distracted, and drained.

You say yes to a lunch that doesn’t move anything forward.


Yes to a favor that eats up your weekend.


Yes to a project that pulls you away from your actual goals.

And over time? Your day becomes a to-do list filled with other people’s priorities.

You lose the ability to focus.


You stop making progress.


You burn out.

That’s why the real skill isn’t learning how to do more.


It’s learning what not to do.

Build a Filter for Your Commitments

Before you say yes to anything, ask yourself these three questions:

  1. Does this align with my goals?
    If the answer is no—or even “not really”—that’s a no.
  2. Is this the highest-value use of my time right now?
    Just because something is a good opportunity doesn’t mean it’s your opportunity.
  3. What does saying yes require me to give up?
    Every yes is a no to something else: your deep work, your time with family, your focus, your peace.

If a request doesn’t pass all three filters?
Say no—gracefully, but firmly.

Protect Your Time Like It’s Your Most Valuable Asset (Because It Is)

I don’t take meetings before noon.

I don’t take meetings after 4 PM.

That’s not because I don’t want to talk to people.

It’s because I’ve learned how much time fragmentation kills momentum.

Every random call or unexpected meeting takes you out of flow—and it takes 20–30 minutes to get it back. So I protect my time the same way I protect my money: with boundaries and systems.

If you want to build something great, you can’t let your calendar be wide open.

You need blocks of uninterrupted time.

You need guardrails for your energy.

Try this:

  • Block your mornings for deep work or focused creation.
  • Reserve meetings and calls for a set window of time.
  • Build in white space to rest and reset.

You don’t need more time—you need more protected time.

Revisit Your Priorities Often

Just like your financial goals change, your time priorities will evolve too.

That’s why it’s important to regularly pause and ask:

  • What do I need to say no to right now?
  • What do I need to say yes to more often?
  • Am I spending my time in alignment with the life I want to build?

This isn’t a one-time fix—it’s a quarterly or monthly check-in.


And it’s one of the most valuable things you can do to make sure you’re not drifting off course.

Your “No” Protects Your “Yes”

Every time you say no to something that doesn’t matter, you create more room to say yes to what does.

Yes to building. Yes to rest. Yes to creativity. Yes to the people and work that actually move the needle.

Saying no isn’t selfish. It’s strategic. It’s the skill that allows you to build a life with intention—not one built out of obligation.

So starting today, give yourself permission to say no without guilt. Your future self will thank you for every single boundary you put in place.

🗞️ In Other News (Presented By The Business Show)

Can This Continue? by A Wealth of Common Sense: Read here

60/40 Portfolio: Bonds Are So Back by Morningstar: Read here

The Risks We Miss by Humble Dollar: Read here

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High-Performance Book Club 📚

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.

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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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