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This week: We're diving into memory dividends — the emotional rewards of both creating and reliving memories, and how to make more of them. Let’s jump in!

☁️ What Are Memory Dividends?

Think back to the last unforgettable experience you had — something that really sticks out, like:

• Graduating high school or university

• Seeing your favorite artist perform live

• Traveling to a bucket list destination

While reliving that memory, did you feel happy, proud, or grateful?

Those warm and fuzzy feelings are called memory dividends. They’re the emotional “payouts” of reliving an experience.

Memory dividends are small gifts to your future self.

Not only do they make you feel good, but they’re also proven to boost your long-term happiness and ability to enjoy life!

🧠 Why They Matter

As you grow older, you’ll cherish your memories above all else — so make as many as you can with the time you have.

That means:

• Acting with urgency

• Taking calculated risks

• Investing in experiences that excite you

• Saying “yes” to things you might usually say “no” to

In the short term, it might cost you more money or time than you’re willing to spend. But those investments will pay for themselves in the long run.

☁️ 5 Ways to Maximize Memory Dividends

No time to lose! Here are some simple ways to max out your memory dividends.

🙅 Don’t wait

Get started on that bucket list now. Don’t wait until after you graduate, or retire. By then, it might be too late.

The sooner you start, the more dividends you’ll enjoy.

💸 Invest in experiences (wisely)

Don’t be afraid to splurge on big experiences after your basic needs are met. (Financial planning can help you live the life you want while staying within your means.)

🪂 Seek out new experiences

Embracing novel experiences can make life more memorable, and even feel longer! Whether it's trying a cuisine you've never tasted, walking a new route to school or work, or taking a weekend road trip to a new town, stepping out of your comfort zone will leave lasting impressions.

👌 Go small

Your experiences don’t always have to be lavish or expensive. The little things in life are just as important, like:

• Exploring nature

• Learning a new skill

• Spending time with loved ones

Keep adding to your list of “small” moments, and watch your dividends grow!

🎁 Treat yourself

It’s important to make memories with the people you love. But this is your life — how do you want to spend it?

Once you’ve got your answer, find small things you can do daily to make your vision a reality.

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🪅 Flocus Picks

A curated list of things worth sharing.

• Die with Zero (Book) — The concept of memory dividends comes from this personal finance book by Bill Perkins. Packed with money tools and resources for maximizing your memory dividends!

• 100 Amazing Life Experiences (Article) — Need some inspo? Check out this list of big (and small) experiences to try.

• How to Live With No Regrets (YouTube Shorts) — A short dose of wisdom from Maya Angelou on how to make the most of your life.

🖥️ Check out Flocus, our free, browser-based dashboard! Featuring a custom Pomodoro timer, ambient sounds, aesthetic backgrounds, and more.

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Filling your days with meaningful experiences is what life is all about.

Seize every opportunity, even if it’s inconvenient — your future self will thank you!

Until next Sunday,
Flocus Team