Insights Blog
Four Pillar Friday
December 19th, 2025 // Adam Bruderly
“We do not remember days, we remember moments.” — Cesare Pavese
Today was the boys’ last day of school, and just like that, we’ve stepped into winter break. Backpacks dropped by the door, off their routine for a few weeks (even though they just got back on it after Hawaii), and a change in pace that holidays tend to bring. There’s something about this stretch of the year that naturally invites reflection. It is less about what’s next, and more about what’s right in front of us.
The moments get a little more memorable, time feels a little different, and the reminder is on the horizon that another year is about to pass. That’s what made this week’s Four Pillars feel clear…moments.

Physical Wellness
With January 1st approaching, the physical pillar tends to take center stage. New Year’s resolutions. Big promises. Clean slates. We tell ourselves this is the year everything changes.
But decades of behavior-change research tell a different story: most change doesn’t fail because of lack of motivation. It fails because the plan asks too much of a nervous system and environment that haven’t changed yet.
Research from BJ Fogg and James Clear shows that sustainable change is built on small, repeatable actions tied to identity, not willpower. We don’t rise to the level of our goals; we fall to the level of our systems. When habits feel too heavy, too disruptive, or too disconnected from daily life, the brain resists them. Not because it’s lazy, but because it’s protecting us.
That’s why real physical progress rarely comes from dramatic resets. It comes from consistency. From removing friction and consistently showing up. From choosing movement that fits into your actual life, not the life you imagine you’ll have in a month.
This season is a reminder that the goal isn’t to become someone new on January 1st. It’s to reinforce the identity of someone who moves, who takes care of their body, who values energy and longevity. One walk. One lift. One stretch. One decision you can repeat each and every day.
Physical wellness isn’t about punishment for December. It’s about alignment for the year ahead. And the most powerful resolutions don’t feel like resolutions at all. They feel like something you can keep in your life.
Mental Wellness
One of the simplest practices I come back to this time of year is also one I believe is overlooked: writing down the moments.
Not the highlights you need to post or look impressive later. Just the small, ordinary things that made you be present. A great family dinner. A quiet walk with a loved one. Something a friend said that you don’t want to forget. Something you were proud of.
There’s a reason this works.
Our brains are wired to forget the good faster than the hard. Psychologists call it the negativity bias. We naturally remember stress, conflict, and threat more easily than joy. Writing down positive moments doesn’t erase the hard stuff, but it puts things back into perspective. It trains your attention toward what’s already working, what already matters.
Research on expressive writing and gratitude practices shows that putting experiences into words helps encode them more deeply into memory. You don’t just remember the moment. You tend to relive it. The act of writing slows time down just enough to let the meaning catch up.
But beyond the science, there’s something more human happening. When you write a moment down, you’re telling your future self: This mattered. Don’t lose it.
Years from now, those notes become a form of time travel. They remind you what you loved. What you valued. Who you were becoming. They give you stories to tell later to the people that matter the most. Especially when life feels busy or disconnected.
This doesn’t need to be daily. It doesn’t need to be perfect. One sentence is enough. What did you notice today? What would you hate to forget? What moment would you want to read about later?
Because we don’t remember years. We remember moments. And the ones we write down are the ones that tend to stay.

Financial Wellness
This time of year, it’s easy to fall into the idea that more stuff equals more joy. Bigger gifts, nicer things, better brands. Part of why the season starts after Halloween. But the research suggests something different.
Studies consistently show that spending money on experiences tends to bring more happiness than spending it on material possessions. Not just in anticipation or memory, but in the moment itself. People report higher levels of happiness when they spend on travel, meals, events, or shared activities than on clothes, gadgets, or things that sit on a shelf.
One key reason is that experiences become part of who we are. They weave into our identity, become shared stories, and connect us to others in ways that possessions rarely do. Experiences also resist the comparison effect that material things trigger. You don’t measure someone else’s vacation against yours the way you might compare “stuff.”
There’s also a psychological dynamic at play known as the hedonic treadmill: people quickly adapt to new possessions, and the happiness they bring tends to fade as they become normal. Experiences, in contrast, tend to endure in memory, often becoming richer over time when we recall them.
And it isn’t only about your own happiness. Some research shows that spending money on others, whether through shared experiences or gifts, reliably increases well-being more than spending on yourself alone.
All of this doesn’t mean we should never buy things. Certain purchases can absolutely enhance life. And it is absolute amazing when you see joy on a child’s face opening presents. But what it does mean is this: the way money is used can make a difference in how deeply life feels and how it is remembered. Experiences tend to create the kinds of memories we carry with us. The ones we talk about around tables years later, not the ones that gather dust in the closet.
In a season that often confuses buying more with living more, the research encourages a simple reframing: spend money in ways that bring you into your life, not just onto your shelves.

Spiritual Wellness
“He went to the church, and walked about the streets, and watched the people hurrying to and for, and patted the children on the head, and questioned beggars, and looked down into the kitchens of homes, and up to the windows, and found that everything could yield him pleasure. He had never dreamed of any walk, that anything, could give him so much happiness.” ― Charles Dickens, A Christmas Carol
That passage has resonated with me more as I’ve gotten older because it captures a shift. The moment when life stops being something you measure or chase and starts being something you notice. Scrooge doesn’t change the world on that walk. The world stays the same. What changes is his attention. He sees people instead of obstacles, moments instead of distraction, ordinary scenes as sources of meaning.
To me, it’s a reminder that fulfillment isn’t found in grand gestures or future milestones. It’s found in presence, in slowing down enough to recognize the life already unfolding around us. The joy isn’t hidden. It’s everywhere. We just miss it when we’re rushing past, consumed by what’s next.
So in this holiday season think about that lesson. Think about what Scrooge had to go through to recognize that. I think it is an invitation to look around, be aware, and to let everyday moments yield happiness simply because we finally show up for them.
And as the year winds down, my hope isn’t that everyone gets everything they want. It’s that we each notice more of what we already have. That we slow down just enough to see the people in front of us, the moments around us, and the quiet gifts this season keeps offering.
Happy Holidays!
And In The End
From all of us at The 9:03 Collective: thanks for reading. Keep showing up. Stay curious. And never forget that the clock is running, so make it count.
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Until next week — keep building your moments.
The Journey Team & The 9:03
Quarterly Market Commentary
While there’s been much discussion around the weakening employment outlook, signs point more towards a tentative equilibrium than a collapse in labor demand. Although the unemployment rate has increased slightly, it remains near historically average levels while new jobless claims have yet to tick up. Unimpressive job creation figures are more likely attributable to demographic factors than underlying economic frailty.
Four Pillar Friday
Your weekly guide to thriving in every aspect of life—Physical, Mental, Spiritual, and Financial Wellness.
Four Pillar Friday
Your weekly guide to thriving in every aspect of life—Physical, Mental, Spiritual, and Financial Wellness.
