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levelsio's Rules for Health, Wealth, and Independence

A high-conviction checklist covering investing, fitness, diet, entrepreneurship, and social health.

From the Xiry library · Updated 11 October 2026

This note outlines eight practical prescriptions popularized by founder Pieter Levels on living well. It combines foundational wealth habits like index investing and building a business with physical advice like strength training, creatine dosing, whole-food eating, and maintaining social proximity to friends.

The list

Me 5 minutes after meeting somebody new, it's of utmost importance for you to:

  • Open a broker account and buy Vanguard S&P 500 UCITS ETF (USD) Accumulating (VUAA)
  • Take 10g creatine per day (5g was the previous recommendation, but above 5g the benefits are cognitive; in studies it delays Alzheimer's)
  • Lift weights 3-4x per week: strength training avoids age-related muscle atrophy and bone density loss. Running is not enough — you need both strength training and cardio. Get a personal trainer to check your form.
  • Build a business or SaaS to escape employee servitude; the only way to get really rich is to own your own business, and the earlier you start the better since it takes years to learn business
  • Men likely have low testosterone (epidemic due to processed food and soil depletion from intense farming), which affects identity, behavior and relationships with women; women's hormones are similarly imbalanced
  • Fix hormones to how they were 100 years ago via lifting weights (men and women), cardio, and a clean diet of whole foods (meat, veg, fruit, eggs, water), no processed food (~90% of store products)
  • Get therapy if needed (e.g. CBT), but always combine it with heavy workouts and a clean diet
  • Live near your friends; middle-age men face a loneliness epidemic, so hang out with friends weekly even if a partner resists — it's vital for mental health.

What it's for

  • Reset daily health and fitness habits around simple, high-impact routines
  • Establish baseline investment practices through low-cost index funds
  • Identify foundational steps for leaving full-time employment through business ownership
  • Prioritize community and proximity to friends to avoid isolation

Key points

  • VUAA index fund investing advice for building baseline equity
  • Creatine supplementation recommendation (10g daily for cognitive benefits)
  • Strength training routine guidelines combined with form checks and cardio
  • Entrepreneurship focus via building software or SaaS projects
  • Hormone regulation advice focusing on whole foods and eliminating processed diets
  • Mental health support via CBT coupled directly with heavy physical exercise
  • Proximity advice focused on living close to friends to combat loneliness

Pricing

Free

Details

Type
List
Category
Lifestyle
Topic
Personal Development
Open source
No
Platforms
other
For
Founders, indie hackers, and knowledge workers looking for practical personal rules for physical and financial health.
Tags
life advice, fitness, investing, indie hacker, health, habits

Why it was saved

  • @levelsio, 11 December 2025: Complete, quotable set of health/wealth rules with specific dosages and reasoning; a condensed life-advice framework.

Related

Updated