Lessons from 75 Hard

Nine months ago, I took on a challenge I never thought I'd have the stamina for—75 Hard.

For those unfamiliar with it, it's not just your typical workout program…

it's a mental toughness challenge that combines physical fitness, daily habits, and a big dose of personal discipline.

To say it was tough is an understatement…

I'm talking two-a-day workouts.

Gallons of water.

Sticking to a strict diet.

The dessert tray was practically calling my name.

Kelly and I decided today was a great day for a second round this year.

And it got me inspired.

I couldn't help but notice how many parallels there are between 75 Hard and personal financial planning.

Believe me, there were days when I didn't want to lace up my sneakers.

Just like there are days when managing your finances feels like a drag.

But here's the secret…

Once you get going…

The momentum builds.

And suddenly you're making progress without even realizing it.

I want to share some of the biggest lessons I learned from 75 Hard and how they apply to building financial fitness.

Spoiler alert: just like with a workout, consistency and discipline go a long way in reaching your financial goals.

So, whether you're thinking about tackling your own financial 75 Hard or just need a little nudge to keep going, these lessons might be just what you need to hit that next milestone.

Let's dive in, shall we?

Now, before I jump into 75 Hard lessons, I need to ask you a favor. If you know anyone with whom this would resonate or who you think would like it, please share this newsletter. 

Lesson 1: Start Small, Stay Consistent

One of the biggest lessons I learned during 75 Hard is that starting small leads to big results ( I lost 60 lbs after all!). On day one, the idea of doing two workouts every day for 75 days felt overwhelming. But instead of focusing on the entire challenge, I took it one day at a time. The same applies to your finances.

Whether it's saving for retirement, paying down debt, or building an emergency fund, you don't have to tackle everything all at once. Start small—set aside a manageable amount each month, pay off one debt at a time, or automate your savings. The key is consistency. Small steps, taken consistently over time, will create a strong financial foundation that grows exponentially, just like fitness gains do when you stick to your regimen.

And remember, it's not about being perfect every day; it's about staying committed to the process.

Lesson 2: Discipline Equals Freedom

Another key lesson from 75 Hard is that discipline creates freedom. When you follow a structured plan, you gain control over the chaos.

This holds true in financial planning as well. By creating a budget and sticking to it, you gain the freedom to make better choices. You're not constantly stressed by surprise expenses or debt.

The discipline of tracking your spending, saving consistently, and following a financial plan provides peace of mind. The more disciplined you are with your money, the more financial freedom you'll have in the long run.

Lesson 3: Consistency Beats Intensity

One of the most surprising lessons from 75 Hard is that consistency trumps intensity every time. It's not about going all out for a few days and burning out; it's about showing up every day, no matter how you feel.

In financial planning, the same holds true.

You don't have to make huge, radical changes to see progress—small, consistent steps add up over time. Whether it's saving a little each month, investing regularly, or paying down debt bit by bit, consistency is key. Just like in fitness, the real results come from showing up, doing the work, and sticking with your plan.

Lesson 4: Embrace Discomfort

75 Hard teaches you to get comfortable with being uncomfortable. Whether it's sticking to a workout when you'd rather skip it or turning down a treat to stay on track, discomfort is part of the growth process.

Financial planning can be similar—sometimes, you have to make tough decisions that might feel uncomfortable in the short term, like cutting back on spending or prioritizing long-term goals over immediate wants.

But embracing discomfort leads to long-term success. Just like how pushing through a tough workout makes you stronger, making smart, sometimes tough financial choices builds a stronger financial future.

Lesson 5: Failure is Not the End—It's a Lesson

Throughout 75 Hard, there were moments where I struggled or felt like giving up. But instead of stepping into failure, I saw it as a learning experience. Each challenge or urge taught me something valuable about my limits, habits, and mindset. I was incredibly proud of myself for not breaking, which powered me through.

I realized afterward that failure is part of the process, not the end of it.

In financial planning, setbacks are inevitable, too. Maybe you miss a savings goal, overspend on a trip, or face unexpected financial hurdles. But these moments don't mean you've failed—they're opportunities to adjust your approach and learn. What matters is that you pick yourself up and keep moving forward, using the lessons from those setbacks to refine your path toward financial freedom.

The first round of 75 Hard gave me a lot of newfound respect for discipline and consistency.

This round of 75 Hard ends on November 23. Just in time for Thanksgiving.

I'm excited for what will come and the lessons learned.

You in?

Drop me a line and let me know.

But most of all….

Have a great week.

-David