The whole purpose of money is as a tool to give you a better life. That's always been my mantra.

And if there's one area of my life that I've wanted to improve, it is my sleep. I have always been a

terrible sleeper, and it's had such a big impact on my health and occasionally my mood.

I recently started using eight sleep, and it has been wonderful. Truly one of the best investments

I've made in a while. Eight sleep is a mattress cover that heats and cools underneath you while you sleep, analyzing your sleep patterns to

find the right temperature and automatically adjusting throughout the night. It also gives you

tons of data the next morning showing your sleep patterns, where you can improve, and how much rest

you actually received. I love it. If you want to check out more and get up to $350 off, go to

8Sleep.com slash Morganhausel. That's E-I-G-H-H-T-Sleep.com slash Morgan-Housel.

A simple formula for a pretty nice life is just independence plus purpose.

Independence plus purpose.

Now, purpose is different for everybody, where people find their purpose.

Sometimes it's family, sometimes it's community, sometimes it's religion or work, whatever it might be. People find their purpose. Sometimes it's family, sometimes it's community, sometimes it's

religion or work, whatever it might be, people find their purpose from different spots.

Independence, though, tends to be far more universal. Our desire to be independent, why we want it,

what prevents us from achieving it, and why some people sabotage their ability

to have it is such a common story across cultures and across generations.

Let me speak a little bit more about independence here, and I have a parenting story to share

with you. My son has always been very shy. He is not just a little shy, he is painfully shy.

At times when he was younger, it was adorable.

But at times, my wife and I have worried about it.

During preschool, his teachers would sometimes give up

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