When I was in my twenties, I wish I had understood one thing more deeply: MONEY ISN’T EVERYTHING. I’d like to share this insight hoping it helps you avoid the same mistakes I made. While money is important—it’s a tool for survival and achieving goals—it’s not the ultimate measure of success or happiness.

I recently made my fourth speech at my Toastmasters Club. For those who do not know about Toastmasters, it is an international organization that teaches people how to speak in public. At the end, I felt discouraged for a strange reason. I felt selfish.

I want to share some thoughts on how to efficiently categorize and prioritize your to-do list. The most effective method I've found is using a Punnett square approach. Imagine four boxes: the top represents "important," and the side represents "urgent." Here's how you can use this method: