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Tony Robbins: How to Suffer Less (and Invest Intelligently)

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Written by Tim Ferriss Topics: Practical Philosophy

Whether youd like to avoid unnecessary emotional suffering or unnecessary financial suffering, this post has something for you.

In my second podcast with Tony Robbins, he said that all fear comes from three triggers: loss, less, and never. He mentioned this in passing, and many of you asked for more details. This
post will cover that and much more.

There are two parts:

1) Part 1 Tonys discussion of suffering and his framework of loss, less, never. This is a abridged excerpt from Tonys newest book, Unshakeable: Your Financial Freedom Playbook.
Its exactly what thousands of you requested.

2) Part 2 Many of you ask about how I take notes, and what I record when I read 1-2 books (or more) per week. This is an example. Specifically, my highlights and notes on Tonys
book and investing. If youre interested in investing, the mindsets of billionaires, asset allocation, or avoiding losses, youll enjoy this.
PART 1 HOW TO SUFFER LESS (IN TONYS WORDS, BOLDING HIS)

The human brain isnt designed to make us happy and fulfilled. Its designed to make us survive.

This two-million-year-old organ is always looking for whats wrong, for whatever can hurt us, so that we can either fight it or take flight from it. If you and I leave this ancient
survival software to run the show, what chance do we have of enjoying life? An undirected mind operates naturally in survival mode, constantly identifying and magnifying these potential
threats to our well-being. The result: a life filled with stress and anxiety.

Most people live this way since its the path of least resistance. They make unconscious decisions, based on habit and conditioning, and are at the mercy of their own minds. They assume
that its just an inevitable part of life to get frustrated, stressed, sad, and angryin other words, to live in a suffering state. But Im happy to tell you theres another path: one that
involves directing your thoughts so that your mind does your bidding, not the other way around.

Now, before we go any further, lets just clarify the difference between these two emotional and mental states:

A Beautiful State

When you feel love, joy, gratitude, awe, playfulness, ease, creativity, drive, caring, growth, curiosity, or appreciation, youre in a beautiful state. In this state, you know exactly what to do,
and you do the right thing. In this state, your spirit and your heart are alive, and the best of you comes out. Nothing feels like a problem, and everything flows. You feel no fear or
frustration. Youre in harmony with your true essence.

A Suffering State

When youre feeling stressed out, worried, frustrated, angry, depressed, irritable, overwhelmed, resentful, or fearful, youre in a suffering state. Weve all experienced these and countless
other negative emotions, even if were not always keen to admit it! Most achievers much prefer to think theyre stressed than fearful. But stress is just the achiever word for
fear. If I follow the trail of your stress, itll take me to your deepest fear.

Everyone has his or her own flavor of suffering. So heres my question for you: Whats your favorite flavor of suffering? Which energy-sapping emotion do you indulge in most? Is it
sadness? Frustration? Anger? Despair? Self-pity? Jealousy? Worry? The specific details dont really matter because theyre all states of suffering. And all this suffering is really just the
result of an undirected mind thats hell-bent on looking for problems.

Think for a moment about a recent situation that caused you pain or sufferinga time when you felt frustrated or angry or worried or overwhelmed. Whenever you feel emotions like these,
your sense of suffering is caused by your undirected mind engaging in one or more of three particular patterns of perception.

Consciously or unconsciously, youre focused on at least one of three triggers for suffering:

1. Suffering trigger is Loss.

When you focus on loss, you become convinced that a particular problem has caused or will cause you to lose something you value. For example, you have a conflict with your spouse,
and it leaves you feeling that youve lost love or respect. But it doesnt have to be something someone else didor failed to dothat caused you to perceive the sense of loss. This sense
of loss can also be triggered by something you did or failed to do. For example, you procrastinated, and now youve lost a business opportunity. Whenever we believe in the illusion of loss,
we suffer.

2. Suffering Trigger is Less.

When you focus on the idea that you have less or will have less, you will suffer. For example, you might become convinced that because a situation has occurred or a person has acted a
certain way, you will have less joy, less money, less success, or some other painful consequence. Once again, less can be triggered by what you, or others, do or fail to do.

3. Suffering trigger is Never.

When you focus on the idea or become consumed by a belief that youll never have something you valuesuch as love, joy, respect, wealth, opportunityyoure doomed to suffer, youll
never be happy, youll never become the person you want to be. This pattern of perception is a surefire route to pain. Remember: the mind is always trying to trick us into a survival
mindset! So never say never! For example, because of an illness, an injury, or because of something your brother did or said, you might believe that youll never get over it.

These three patterns of focus account for most, if not all, of our suffering. And you know whats crazy? It doesnt even matter if the problem is real or not! Whatever we focus on, we feel
regardless of what actually happened. Have you ever had the experience of thinking that a friend did something horrible to you? You became tremendously angry and upset, only to
discover that you were dead wrong and that the person didnt deserve all that blame! In the midst of your suffering, when all those negative emotions were swirling inside your head, the
reality didnt matter. Your focus created your feelings, and your feelings created your experience. Notice too that most, if not all, of our suffering is caused by focusing or obsessing about
ourselves and what we might lose, have less of, or never have.

But heres the good news: once youre aware of these patterns of focus, you can systematically change them, thereby freeing yourself from these habits of suffering. It all starts with the
realization that this involves a conscious choice. Either you master your mind or it masters you. The secret of living an extraordinary life is to take control of the mind since this
alone will determine whether you live in a suffering state or a beautiful state.

IN THE END, ITS ALL ABOUT THE POWER OF DECISIONS

Our lives are shaped not by our conditions, but by our decisions. If you look back on the last 5 or 10 years Id be willing to bet that you can recall a decision or two that has truly
changed your life. Maybe it was a decision about where to go to school, what profession to pursue, or who you chose to love or marry. Looking back on it now, can you see how radically
different your life would be today if you had made a different decision? These and so many other decisions determine the direction of your life and can change your destiny.

So whats the biggest decision you can make in your life right now? In the past, I would have told you that what matters most is who you decide to spend your time with, who you
decide to love. After all, the company you keep will powerfully shape who you become.

But over the last two years, my thinking has evolved. What Ive come to realize is that the single most important decision in life is this: Are you committed to being happy, no
matter what happens to you?

To put this another way, will you commit to enjoying life not only when everything goes your way but also when everything goes against you, when injustice happens, when
someone screws you over, when you lose something or someone you love, or when nobody seems to understand or appreciate you? Unless we make this definitive decision
to stop suffering and live in a beautiful state, our survival minds will create suffering whenever our desires, expectations, or preferences are not met. What a waste of so
much of our lives!

This is a decision that can change everything in your life, starting today. But its not enough just to say that youd like to make this change or that your preference is to be happy no matter
what. You have to own this decision, do whatever it takes to make it happen, and cut off any possibility of turning back. If you want to take the island, you have to burn the boats. You
have to decide that youre 100% responsible for your state of mind and for your experience of this life.

What it really comes down to is drawing a line in the sand today and declaring, Im done with suffering. Im going to live every day to the fullest and find juice in every moment,
including the ones I dont like, BECAUSE LIFE IS JUST TOO SHORT TO SUFFER.

PART 2 HOW TO INVEST MORE INTELLIGENTLY

[TIM: The below is a small sample of my notes from Tonys newest book, Unshakeable: Your Financial Freedom Playbook. I originally captured these notes in Evernote.]

Paul Tudor Jones questions:

Is this truly the hard trade (something others cant easily replicate)? Does it really have asymmetric risk/reward? Is it a five-to-one or a three-to-one? Whats the entry point? Where are
your stops?

Pg. 36, -38% year TF: How long to recover to baseline if you entered that year?

The stock market is a device for transferring money from the impatient to the patientWARREN BUFFETT

****TF: If corrections of 10% come once per year, couldnt I hold cash and simply have that trigger purchases 1x per year? Or wait for 20% bear market drop, then invest?

Buffett did just that in late 2008, investing in fallen giants such as Goldman Sachs and General Electric, which were selling at once-in-a-lifetime valuations. Better still, he structured
these investments in ways that reduced his risk even further. For example, he invested $5 billion in a special class of preferred shares of Goldman Sachs, which
guaranteed him a dividend of 10% a year while he waited for the stock price to recover.

And/Or: Go with index fund

Showmethefees.com for 401(k) plan fees, etc. http://getasecondopinion.com/ for Tonys Creative Planning

pg. 78

In the interests of cutting through the confusion, Im going to make this as simple and straightforward as possible. In reality, all financial advisors fall into just one of three categories. What
you really need to know is whether your advisor is:

a broker,
an independent advisor (RIA)***, or
a dually registered advisor.

Now lets break this down in more detail so you know exactly what youre dealing with.

Question to ask: Do you act as a fiduciary [what you want] or a broker or both?

Wealth manager needs to understand taxes, insurance, etc.

7 QUESTIONS FOR WEALTH ADVISORS

1. Are You a Registered Investment Advisor? If the answer is no, this advisor is a broker. Smile sweetly and say good-bye. If the answer is yes, he or she is required by law to be a
fiduciary. But you still need to figure out if this fiduciary is wearing one hat or two.

2. Are You (or Your Firm) Affiliated with a Broker-Dealer? If the answer is yes, youre dealing with someone who can act as a broker and usually has an incentive to steer you to
specific investments. One easy way to figure this out is to glance at the bottom of the advisors website or business card and see if theres a sentence like this: Securities offered through
[advisors company name], member FINRA and SIPC. This refers to the Financial Industry Regulatory Authority and the Securities Investor Protection Corporation, respectively. If you see
these words, it means he or she can act as a broker. If so, run! Run for your life!

3. Does Your Firm Offer Proprietary Mutual Funds or Separately Managed Accounts? You want the answer to be an emphatic no. If the answer is yes, then watch your wallet like a
hawk! It probably means theyre looking to generate additional revenues by steering you into these products that are highly profitable for them (but probably not for you).

4. Do You or Your Firm Receive Any Third-Party Compensation for Recommending Particular Investments? This is the ultimate question you want answered. Why? Because you
need to know that your advisor has no incentive to recommend products that will shower him or her with commissions, kickbacks, consulting fees, trips, or other goodies.

5. Whats Your Philosophy When It Comes to Investing? This will help you to understand whether or not the advisor believes that he or she can beat the market by picking individual
stocks or actively managed funds. Over time, thats a losing game unless the person is a total superstar like Ray Dalio or Warren Buffett. Between you and me, theyre probably not.

6. What Financial Planning Services Do You Offer Beyond Investment Strategy and Portfolio Management? Investment help may be all you need, depending on your stage of life.
But as you grow older and/or you become more wealthy with various holdings to manage, things often become more complex financially: for example, you may need to deal with saving for
a childs college education, retirement planning, handling your vested stock options, or estate planning. Most advisors have limited capabilities once they venture beyond investing. As
mentioned, most arent legally allowed to offer tax advice due to their broker status. Ideally, you want an advisor who can bring tools for tax efficiency in all aspects of your planningfrom
your investment planning to your business planning to your estate planning.

7. Where Will My Money Be Held? A fiduciary advisor should always use a third-party custodian to hold your funds. For example, Fidelity, Schwab, and TD Ameritrade all have custodial
arms that will keep your money in a secure environment. You then sign a limited power of attorney that gives the advisor the right to manage the money but never to make withdrawals.
The good news about this arrangement is that if you ever want to fire your advisor, you dont have to move your accounts. You can simply hire a new advisor who can take over managing
your accounts without missing a beat. This custodial system also protects you from the danger of getting fleeced by a con man like Bernie Madoff.

PAUL TUDOR JONES

The most important thing for me is that defense is 10 times more important than offense. . . . You have to be very focused on protecting the downside at all times.

Paul Tudor Jones, who uses a five-to-one rule to guide his investment decisions. Im risking one dollar in the expectation that Ill make five,
RAY DALIO

What I realized is nobody knows and nobody ever will, he says. So I have to design an asset allocation that, even if Im wrong, Ill still be okay.

TONY TO ADVISORS

Dont even bring me an investment idea unless you first tell me how we can protect against or minimize the downside.

TAXES

Cap gains of 20% versus 50% for income. Believe me, all the billionaires Ive ever met have one attribute in common: they and their advisors are really smart about taxes! They know that
its not what they earn that counts. Its what they keep. Thats real money, which they can spend, reinvest, or give away to improve the lives of others.

Tony: Of course, I dont start with taxes. That would be a severe mistake. I always start with a focus on not losing money and on getting asymmetric risk/reward. Then,
before making any investment, I make a point of asking, How tax efficient is this going to be? And is there any way we could make it more tax efficient? Focus on after-tax
returns and consider MLPs (p. 108).

DIVERSIFICATION

1. Diversify Across Different Asset Classes. Avoid putting all your money in real estate, stocks, bonds, or any single investment class.

2. Diversify Within Asset Classes. Dont put all your money in a favorite stock such as Apple, or a single MLP, or one piece of waterfront real estate that could be washed away in a
storm.
3. ***Diversify Across Markets, Countries, and Currencies Around the World. We live in a global economy, so dont make the mistake of investing solely in your own country.

4. Diversify Across Time. Youre never going to know the right time to buy anything. But if you keep adding to your investments systematically over months and years (in other
words, dollar-cost averaging), youll reduce your risk and increase your returns over time.

David Swensen:

Of course, there are many different ways of diversifying. I discuss this in detail in Money: Master the Game, laying out the exact asset allocations recommended by Ray and other financial
gurus, such as Jack Bogle and David Swensen. For example, David told me how individual investors can diversify by owning low-cost index funds that invest in six really
important asset classes: US stocks, international stocks, emerging-market stocks, real estate investment trusts (REITs), long-term US Treasuries, and Treasury Inflation-
Protected securities (TIPS). He even shared the precise percentages that he would recommend allocating to each.

Ray Dalio:

Aim for 15 uncorrelated bets. The holy grail of investing is to have 15 or more goodthey dont have to be greatuncorrelated bets. In other words, everything comes down to owning
an array of attractive assets that dont move in tandem. Thats how you ensure survival and success. In his case, this includes investments in stocks, bonds, gold, commodities, real
estate, and other alternatives. Ray emphasized that, by owning 15 uncorrelated investments, you can reduce your overall risk by about 80%, and youll increase the return-to-risk ratio
by a factor of five. So, your return is five times greater by reducing that risk.

SURVIVING/THRIVING IN BEAR MARKETS

Sir John Templetons famous remark: The four most expensive words in investing are This time its different.

Tony co-author, Peter Mallouk: Throughout the crash, we continued to invest heavily in the stock market on behalf of our clients. We took profits from strong asset classes
such as bonds and invested the proceeds in weak asset classes such as US small-cap and large-cap stocks, international stocks, and emerging-market stocks. Instead of
betting on individual companies, we bought index funds, which gave us instant diversification (at a low cost) across these massively undervalued markets

On average, the market is down about one in every four years. You need to recognize this reality so you wont be shocked when stocks tumbleand so youll avoid excessive risks. At the
same time, its useful to recognize that the market has made money three out of every four years.

One reason why the best investors are so successful is that they override the natural tendency to be fearful during periods of market turmoil. Take Howard Marks. In the last 15 weeks of
2008, when financial markets were imploding, he told me that his team at Oaktree Capital Management invested about $500 million a week in distressed debt. Thats right!
They invested half a billion dollars a week for 15 straight weeks during a time when many thought the end times had arrived! It was obvious that everybody was suicidal,
Howard told me. In general, thats a good time to buy.

CLICK HERE TO RECEIVE

ALTERNATIVE OPTIONS THAT CO-AUTHOR LIKES

Real Estate Investment Trusts (REITS). Im sure you know people whove done well by investing directly in residential property. But most of us cant afford to diversify by owning a slew
EXCLUSIVE
of houses or apartments. Thats one reason why I like to invest in publicly traded real estate investment trusts (REITs).

MEMBER
Private Equity Funds

CONTENT
Master Limited Partnerships. Im a big fan of MLPs, which are publicly traded partnerships that typically invest in energy infrastructure, including oil and gas pipelines. Whats the
appeal? As Tony mentioned in the last chapter, we sometimes recommend MLPs because they pay out a lot of income in a tax-efficient way. They dont make sense for many investors
(especially if youre young or have your money in an IRA), but they can be great for an investor who is over 50 and has a large, taxable account.

p. 132 Doesnt like gold or hedgefunds

REBALANCING

Burton Malkiel: Unsuccessful investors tend to buy the thing thats gone up and sell the thing thats gone down. One benefit of rebalancing, says Malkiel, is that it makes you do the
opposite, forcing you to buy assets when theyre out of favor and undervalued. Youll profit richly when they recover.

[Read more on investing from Tony here.]

Related & Recommended Posts

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 The Tim Ferriss Radio Hour: Meditation, Mindset, and Mastery

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Shay Carl From Manual Laborer to 2.3 Billion YouTube Views

Posted on: February 20, 2017.

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23 comments on Tony Robbins: How to Suffer Less (and Invest Intelligently)

savannah February 20, 2017 at 5:47 am

I get very excited when I see an email from Tims blog because I can add all the great material from Tim and his team to my own Evernote notebook and reference it often.
Thanks for sharing.

Like
Reply

Jeremy Noel February 20, 2017 at 6:58 am

Great article and timing I have an appointment scheduled for this week with a potential investment advisor

Like
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Celeste Terrell February 20, 2017 at 9:02 am

Tim, thanks for posting these excerpts. As someone who has struggled with depression for years, your insights from your own battles and how you are dealing with them
have truly helped me. Thank you again.

As a finance major who used to work in the industry before changing careers to become a chef, I have a feeling of patting myself on the back knowing that a kindred spirit
such as yourself is exploring the same books and information I did 10 years ago when I learned that the mutual fund company I worked for couldnt do much better investing
than I could in index funds. When I had time and interest, I did my own investing and did well thanks to advice from the Little Book that Beats the Market and Stock Market
genius. I have since let Betterment handle all my investing through their robo advisors. I have been doing that since 2012 and have grown my portfolio over 25% without me
looking at one Wall Street Journal. Everyone needs to learn that most of these so called advisors are usually frat boys who couldnt get a job doing much else but selling
to their contacts from mommy and daddy.

Like
Reply

Varia February 20, 2017 at 10:45 am

I have to say I find Tonys more recent work on gratitude much more actionable than his earlier work quoted here on deciding to be happy. As a person who has also
struggled with depression and learned helplessness, I find it an unhelpful and potentially unhealthy message.

Like
Reply
 Varia February 20, 2017 at 10:52 am

Oh, sorry, I see that this is recent work as well it sounds so much like stuff from his earlier books. I still think its not the most resonant argument

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Bill February 20, 2017 at 1:14 pm

Love this weeks email great insight. So full of good stuff had to read a couple times

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Paul February 20, 2017 at 1:51 pm

Thanks, Tim! Theres so much hysteria over fake news and finger pointing, its refreshing to see content focus on the things an individual can control. To understand how the
world around us works, it turns out that the best place to start is with ourselves.

Like
Reply

susielindau February 20, 2017 at 2:04 pm

I like the idea of happiness as a choice. After my dad passed away, I hung onto the loss and almost felt guilty when trying to let go of that feeling. Once I let it go of the pain,
life became so much better.
Great article!

Like
Reply

Sarah Jane Vickery February 20, 2017 at 2:25 pm

Hi Tim: This is great thanks for the notes. Despite having worked on Bay Street for 14+ years I made so many mistakes investing over the years its crazy and some
several times over! I thought Tonys book was really good at weeding through all the noise and simplifying the basics of sound investing PATIENCEI think Im finally
learning! I gave up the rat race 4 years ago and now work in the arts so I really appreciate these long-term/lower risk ideas. With Tonys book I implemented my own long
term portfolio. Its hands-off, keeps my monkey brain out of the way and I sleep much better. Thanks for your notes; Tony always gives so much information in his talks and
books so a summary is really helpful

Like
Reply

Anonymous February 20, 2017 at 3:31 pm

Its interesting how fast the world has changed around us and yet we have arrived with outdated hardware. I used to trade in and out of stocks after having read some books
like One Up on Wall Street. Then 2008 came around, and I wasnt prepared. I sold out of some positions near the bottom. Since then Ive stuck with index investing and was
able to reach financial independence and quit my job.

Since quitting my job, Ive been pursuing a lot of hobbies and fun things rather than chasing stock tickers. Having investments that are set based on my chosen allocation
takes a lot of the stress out of investing. I think that when I was actively trading, I was also much more prone to try and fix things when the market went south. Listening to
my instincts never helped me with stock investing. Even though I think about buying a rental property, I have trouble justifying the extra time and energy when compared to
REITs

Like
Reply

sohambhatia February 20, 2017 at 3:57 pm

or just buy VTI

Like
Reply

Rusty Ross February 20, 2017 at 4:19 pm

Brilliant, thoughtful and concise. Thank you!

Like
Reply
rkt88edmo February 20, 2017 at 4:31 pm

ZOMG Tim Recommending MLPs/PTPs? Do most people even realize what K-1 is or what to do with it? I used to help produce K-1s for a large financial MLP, and many
tax payers have no idea!

Oh the cash you received is a partnership distribution and not a dividend payment? Ooops. State sourced income that may trigger filing requirements or anxiety regarding
filings? Tracking your tax basis and vouching your share ownership against the K-1 which can often be wrong?

If you are a savvy investor and understand the implications, yes.

Yes, Turbo tax handles K-1s pretty well.

Like
Reply

Felipe February 20, 2017 at 6:10 pm

Great post Tim, you are Great!

Like
Reply

Nicole Williamson February 20, 2017 at 9:48 pm

about to listen to the podcast but just wanted to say who ever styled Robbins for the picture above has finally nailed a cool look for him!

Like
Reply

drjohnireland February 20, 2017 at 10:23 pm

Thanks for writing, not podcasting. I like the four-hour books because they are time-efficient.while the podcasts are time-wasters. I especially appreciate focused excerpts
(Tim notes).

By the way, Tim started as an author by discovering two problems: too many emails and too much fat. On my last visit to the US, I still saw fat people answering emails 24/7.
I think that it is time to revisit the four-hour books and find out what went wrong.

Like
Reply

benttoenail February 21, 2017 at 1:39 am

If youre a writer, draftsman, painter, animator etc, you will be attacked on all fronts daily by Loss, Less, and Never. Its as if you have to bitterly accept and live with those
feelings to continue to thrive as a creative person.

Steven Pressfield and many other artists make a good point in saying Just show up, but often it doesnt feel like its enough. Todays artist must always learn and grow, but
that can lead to constant dissatisfaction.

A lack of satisfaction is a great driver to increasing your ability, but how does one find balance and happiness in parallel to a constant need to improve?

-max

Like
Reply

James Robinson February 21, 2017 at 10:56 am

Your podcast continues to remain an inspiration. I just finished listening to another episode as I am on my 3rd day working remotely in Buenos Aires. My 4th time here in a
year, among other places.

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Reply

Noel February 21, 2017 at 11:33 am

This is almost definitely the wrong place to post this, but Tim- any chance of you getting an interview with Chivo Lubezki? Three time (consecutively) Oscar winner, and a
man who reinvents the methodology behind his art and craft every time he makes a movie. I think he would be perfect subject matter for an interrogation. Thanks for all of
your hard work, too!

Like
Reply

Matt February 22, 2017 at 12:26 am

 Thanks Tim!

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Edward February 22, 2017 at 5:30 am

Excellent post. It is true everyone has his or her own flavor of suffering. Life is so freaking short there really is no time to waste on focussing on your personal flavor of
suffering.

And yes happiness is a choice. So very true.

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Reply

Kev February 22, 2017 at 6:58 am

Tim, Just wondering how you organise your Evernote account. I started one about 2 years ago, after reading one of your articles. But feel mine is a mess. I would love to
know your ideas on this and how you use it for taking notes, especially when reading books, do you use a laptop, photo or tablet version.

Like
Reply

Rose February 23, 2017 at 5:40 am

Good tips for the investment. Good work Tim..

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