Tue Jul 29 2025, by Tyler Gardner

Wealth ManagementFinancial FreedomOptionalityPersonal FinanceInvestment Strategy

Real Wealth is About Optionality, Not Just Net Worth

I'm Tyler, a former financial advisor and portfolio manager. If any of this is helpful, sign up for my free newsletter by clicking the link in my bio.

1. Wealth vs. Freedom

You could have a $3 million portfolio, but if you can't take a weekday off without asking permission, you're not rich. You're a well-funded prisoner.

2. The Value of Optionality

Optionality is the ability to pivot, to take a sabbatical, or to leave a job that drains you without having to explain to HR or your group chat.

3. Unlocking Your Net Worth

Your net worth could be impressive, but if it’s all locked away in a 401k, and you can't touch it for 20 years, what are you actually optimizing for?

Conclusion

Stop measuring wealth by arbitrary digits and start measuring it by decisions you don't have to justify to anyone other than yourself.

Source