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Summary & Disclosure

Key Themes:

ROM (Return on Memories)

Key Themes:

1. **Return on Memories (ROM):** Struthers introduces ROM as a concept parallel to financial returns but focused on the value derived from experiences and memories.

2. **Investment Analogies:** Use of financial terminology like ROI, dividends, and returns to draw parallels between financial investments and life’s experiences.

– By introducing ROM, Struthers shifts focus from conventional financial metrics to the emotional and experiential returns that enrich retirement.

– This analogy helps in framing the conversation from a financial perspective, making it relatable for the audience.

Personal Examples and ROI on Experiences

– **Timestamps:** [00:02:19] – [00:03:53]

– **Speaker:** Mark Struthers

Key Themes:

1. Immediate and Delayed Returns:  Discussion on how different activities and habits yield returns either immediately or in the future.

2. Health and Lifestyle Choices: Importance of making health-conscious decisions to maximize life satisfaction.

– Struthers shares personal anecdotes like his father’s smoking habit to explain how not all investments yield positive returns, paralleling this to life choices.

– The discussion about workout benefits touches on both immediate gratification and long-term health returns, adding depth to the theme of holistic well-being.

Enhancing ROM: Three Strategies

1. Be Intentional

– **Timestamps:** [00:03:53] – [00:05:24]

– **Speaker:** Mark Struthers

Key Themes:

Intentional Living: Importance of being deliberate about how time and money are spent to ensure meaningful experiences.

Keystone Activities:** These activities align closely with one’s values and contribute significantly to overall happiness and well-being.

– Struthers uses examples like activities around fitness and social interactions to illustrate how intentional choices lead to higher returns on memories.

– Mention of his son’s budgeting during travel underscores the practicality and long-term impact of intentional planning.

Acknowledge Trade-offs

**Timestamps:** [00:05:24] – [00:11:20]

Cost-Benefit Analysis: Weighing the costs and benefits of various activities to optimize the value derived from them.

Daily Discretionary Spending:** Evaluating everyday expenditures to maximize overall satisfaction and financial health.

– Struthers emphasizes understanding the trade-offs when planning experiences, using various examples from his life, like redoing the patio or choosing simpler travel plans.

– By discussing everyday items like lattes and entertainment options, he connects the broader theme of financial prudence to daily living.

2. Set the Stage, Don’t Write the Script

– **Timestamps:** [00:11:20] – [00:16:59]

– **Speaker:** Mark Struthers

Key Themes:

1. Organic Memory Creation: Avoid forcing experiences and let memories evolve naturally to ensure they are meaningful.

2. Role of Spontaneity: Recognizing that spontaneous moments often create the most cherished memories.

– Struthers uses anecdotes like the power outage with his family and his father’s exploits to show that the best memories are often unplanned.

– He also connects this idea to larger life planning, suggesting that while planning is essential, flexibility and spontaneity enhance life’s richness.

3. Value of Photographs

– **Timestamps:** [00:16:59] – [00:19:46]

– **Speaker:** Mark Struthers

Key Themes:

1. Photographic Memories: The importance of capturing and preserving moments through photographs.

2. Technological Aids:  Leveraging technology (like social media and digital storage) to revisit and cherish memories.

– Struthers discusses how photographs can serve as lasting reminders of valuable experiences, providing emotional returns long after the moment has passed.

– He shares personal reflections on how technology aids in recalling cherished memories, thereby underscoring the theme of intentionality in capturing moments.


Investment advisory services are offered through Sona Financial LLC (DBA Sona Wealth Advisors, Sona Wealth, Sona Wealth Management), an investment adviser registered in the state of MN. Sona Financial only offers investment advisory services where it is appropriately registered or exempt from registration and only after clients have entered into an investment advisory agreement confirming the terms of engagement and have been provided a copy of the firm’s ADV Part 2A brochure and document. 

This video is for educational purposes only. Nothing discussed during this show/episode should be viewed as investment advice. If you have questions pertaining to your specific situation, please consult your own financial professional.

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