Could This Little Known Method Dramatically Improve Your Success With Money?

What if I told you that there may be a way to dramatically improve the decisions you’ll make about money in the future?

It’s a simple, although out of the ordinary, method that could help steer you in the right direction, each time your faced with a money challenge.

Which would mean…

A lot less money mistakes.

Fewer unpleasant surprises.

And less regrets.

Just rock-solid, spot-on money decisions…

Like a money master.

Curious to know what it is?

I’ll reveal this unique method in just a minute, but first I have a hypothetical question for you.

Imagine this: You need a new laptop but you’re short on cash. A friend tells you about a guy he knows who sells laptops that ‘fell off a truck.’ The laptops are very cheap and you need a new one very bad. And nobody will know if you buy one of them.

How likely is it that you would buy one of these potentially stolen laptops?

This was the exact question researchers posed to college students in a study about ethics and the factors that can affect decision making. As you might have guessed, some students chose to take the possibly stolen computers. Some didn’t.

That’s not the surprising thing though.

What was surprising,  is that the researchers were able to predict which students would refuse to take the stolen laptops. How’d they do this?

It was based on one simple thing each student did before deciding on the laptop.

What they did prior to making their decision, made all the difference in making the right choice. And if you use the same method, it could dramatically affect how you make decisions about money today and in the future.

Ready to know what it is?

Postman: We have a letter for you. It’s from your future.

Researchers at Northwestern University were curious about how to get people to do the right thing when faced with a moral dilemma. They wanted to know this – when faced with temptation to do the wrong thing, what would cause someone to do the right thing instead?

They tested this theory – that thinking about yourself in the future could encourage you to make better decisions today. For their research, they asked a group of college students the exact same computer question posed above.

Before they could answer though, the students were asked to imagine themselves in the future and then to write a letter to themselves about who they are today.

This is where things got interesting…

One group of students was told to look three months into the future.

The other group was told to look 20 years into the future.

Can you guess which group chose to do the right thing more often? The 20-year group, of course.

But how does writing a simple letter—something no one else will ever read but you—lead to better choices?

It has to do with how you see yourself in the near future versus the distant future.

When imagining themselves in the near future, most people will project their life through their own eyes, meaning they see themselves as they currently are.

But when you look into the distant future, you’re more likely to take-on a different persona:

One that is more aware of things.

One that is wiser.

One that makes better decisions.

The letters written by the students who were looking 20 years out, forced them to make a strong connection in the present – a connection between who they are today and the person they imagined they would be in the future. And that connection, interestingly enough, helped them make smarter choices today.

What could this do for your decisions about money?

How To Write A Letter To Your Future Self

If you want to make better money decisions, then write your future self a letter.

Want to have a big retirement fund? Write to your future self about how much you will save and how you’ll spend below your means.

Want to be a millionaire? In your letter, tell yourself about the steps you’ll be taking to get there. The books you’ll read. The habits you’ll adopt. The investments you’ll make.

Want to become financially free? Describe the places you’ll travel to, the charities you’ll start and what you’ll be doing when you are in total control of your time.

How To Get The Best Of The Letter Technique

1. Write to yourself at least 20 years in the future. Long-term works better than short-term. Imagine at least 20 years ahead to get the greatest effect.

2. Don’t just focus on the ultimate outcome you want in the future. Focus also on the specific habits and ideals you need to become a money master in the future. See yourself as already having those very traits.

3. Remember to think about your present self when writing the letter. The important thing about writing to yourself in the future is that it connects back to who you are today.

Want to master this technique so that it practically guarantees you’ll make great decisions with money in the future?

Then repeat the process every  year.  Turn this letter writing technique into a habit. The more often you do it, the more opportunities you’ll have to “connect” with your future self and make the needed changes today to ensure you stay on track.

If you want to have a better financial life today, start thinking about tomorrow. Not just in a passing way, but really taking the time to seriously consider your future self.

Will the future be what you want it to be?

Write your own story to your future self,  so that you’ll make the right money choices today and ensure your on the path to achieving financial freedom!

To your freedom,


Related articles:

Are you to busy to become financially free?

Are bad habits contagious?

Why not you?


  • Pingback: How To Build An $8 Million Bank Account, While Earning Less Than $30,000 A Year At A Job | Monty Campbell()

  • One Percenter

    Hi Monty,

    Thanks for the self-help article. I am a new subscriber. I would like to join you eventually as one of those in the top point one percent and therefore I wonder what is the minimum requirement for being at top point one percent?


    • Monty Campbell

      Hi One Percenter,
      Thanks for subscribing and commenting. If you are referring to the top 1% of income earners, there are several income studies out there related to this and they all differ slightly on the exact number! However, most of them state that an annual income in the range of $400,000-$500,000 put you in the top %1 of income earners. Hope that helps.

      • One Percenter

        Hi Monty,

        I was actually referred to the top one tenth of one percent. I have not yet been able to find from the internet what qualifies one to be in the category both in terms of income and net worth.

        Thanks very much for your help.

  • Marta

    Hello Monty!

    Truly amazing post!

    I was thinking from a past few days about ways to make some changes in my life. This article provides a very useful tip.

    The line about seeing ourselves differently in the near and distant future taught me a very important aspect about the nature of people, and is revealed in most aspects of their personal lives.

    Thanks a lot!


    • Monty Campbell

      Thanks Marta. There’s an old saying – “We don’t see things as they are, we see things as we are.”. It’s a good technique for getting out of the comfort zone and seeing things differently. Thanks for commenting.

  • Kenny

    Interesting idea. I’ll have to give this a try.

    • Monty Campbell

      Sounds good Kenny. Once you do, please share your results with the group.

  • Hector

    This is a great exercise. One day at a time, getting just a bit closer to where we want to be….and becoming MORE of what we desire to BE.

    • Monty Campbell

      Go Hector. The sky is the limit!

  • Melanie H.

    Great post. I really like the idea of writing a letter to myself. Thanks for sharing this technique.

    • Monty Campbell

      Glad you liked it Melanie. Always appreciate your comments.

  • Ronnie

    I think this is a wonderful idea. This could also work the other way, writing a letter to yourself from the future as an active, functioning and happy person. I think that would make a big difference.

    Thank you.

    • Monty Campbell

      Great point Ronnie. It would definitely work the other way as well. Thanks for sharing.