Rich in Memory Dividends

Welcome to The Quiet Rich, your weekly guide to a quiet mind and rich life.

Most people approach summer travel backwards. They wait for the "perfect time" when they have more money, more vacation days, or less work to do. But if we’re honest? That perfect time rarely comes…

So today, we're talking about being "rich" in travel.

Scroll down for the #1 method to design a summer full of priceless memories (and no regrets). 👇

CONTEXT

I keep thinking about this quote: "Your life is the sum of your experiences. When you look back on your life, the richness of those experiences will determine how full a life you've led." — Bill Perkins

Harsh truth: your window for certain travel experiences is quietly closing.

• Want to take your aging parents on a vacation? At some point, they won’t be comfortable sitting on a long flight or walking long distances.
• Dream of backpacking through Europe? If you keep waiting, you may have too many responsibilities to take that much time off.
• That motorcycle tour across Morocco? After you have kids, your risk tolerance might change forever. (I’m so glad I did this in my 20s. 🏍️)

To me, travel isn't just about seeing new places. It's about collecting remarkable experiences that you’ll tell stories about for years.

Bill Perkins calls this "memory dividends."

Memory dividends = the ongoing “joy payout” you get every time you remember the trip, scroll through photos from that trip, tell someone about the trip, etc.

The time you spent in Japan at 25? It didn’t just give you joy in the moment. It gave you stories to tell at dinner parties and memories to cherish for decades.

The secret isn't having unlimited money or time, btw. It's not about traveling far. It’s being strategic about when and where you travel (to maximize your happiness and fulfillment in the long-run).

✈️ Curious where I’ll be traveling this summer?

Primarily through Italy! 🇮🇹 I actually have a question for you: What’s 1 “hidden gem” place in Italia that you absolutely adore? And what’s 1 “hidden gem” activity in that place (restaurant, park, hotel, coffee shop, specific food to eat, museum, etc.)

Seriously, email me back! 🙏 Something like: “Palermo! Go to dinner at Villa Igiea.” If I get enough responses, I’ll share the list with everyone. ❤️

METHOD

Here’s my 3-step exercise to become travel-rich (without breaking the bank). It’s probably the best thing you could do with the next 10 minutes of your day. Just saying.

Step 1: Create your “Rich List”

Grab a pen and paper (or download my free workbook called “The Rich List” and do this on your computer so you never lose it).

Write down at least 20 experiences you want to have in your lifetime (e.g., places you want to travel to, skills you want to learn, ways you want to give back to your loved ones and community, personal growth goals, etc).

Think of the things you’d really regret not doing at least once.

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Step 2: Write down the “Expiration Date”

Next to each of the travel things on that list, write down at what age you’ll probably not be able to do it.

For example, I really want to ski the Swiss Alps. (This is one of many examples from my personal travel list. (Free PDF here) But I’m guessing by the time I’m 60, I’ll no longer want to take the physical risk of skiing double blacks.

Be honest about the physical, mental, and life-stage requirements for each experience.

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Step 3. Commit to a Month + a Year

Here’s the important part. Decide exactly when you will prioritize those. Literally, write down the month and year you plan to do it. (Getting my skis ready for March 2026. ⛷️)

My challenge to you: Book one of those experiences between July - September this year.

Most people put off the planning, assuming that they can “always do it next year.”

But there will come a year when you can’t…

And if you do it earlier, it will serve you for years to come. In this New York Times article, David Brooks refers to this as building “identity capital.” He writes, “In your 20s, do three fascinating things that dinner companions will want to ask you about for the rest of your life.”

CLOSING THOUGHTS

Your “Rich List” isn’t just about the experiences themselves.

It’s about the people you share them with. Don’t get me wrong— I’m a huge fan of solo travel. But when you share an experience with a loved one, you both earn “memory dividends” every time you reflect on it together.

I’ll leave you with this final thought: “Yes, you need money to survive in retirement, but the main thing you’ll be retiring on will be your memories—so make sure you invest enough in those.” –Bill Perkins.

Enjoyed this? Send it to someone who you want to have priceless moments with this summer. ❤️

Much love,

Jade

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P.S. Curious how to make more time for travel? It helps to work for yourself… My life changed dramatically over the past 2 years. And it’s all thanks to growing my personal brand on LinkedIn.

Ben Meer and I teach you how to attract new business leads on LinkedIn, start a thriving coaching business, create an online course that makes money while you sleep, get paid 5-figures to give keynotes, get sponsored by brands you love, and even land a major book deal. We don't hold anything back.

To everyone in Archimedes, Ben and I will be sharing all the secrets behind our nonfiction book journeys over the next few months. Haven’t joined yet? The next cohort starts July 28th! Apply now (it takes 3 mins). I can’t wait to meet you.

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