4) Lifestyle Design (Building Sustainable Routines)
Handle travel and jet lag (essential for immigrants)
As an immigrant, you'll likely travel internationally to visit family. Long-haul flights and jet lag are part of your life. On the flight: drink 250ml of water every hour (planes are dehydrating), avoid alcohol (it disrupts sleep and dehydrates), and try the fasting hack—don't eat on the plane, then eat breakfast at your destination's breakfast time. This helps reset your body clock faster. For jet lag recovery: get morning sunlight immediately on your first day—this is the single most powerful circadian reset tool. Stay awake until at least 9pm local time, no matter how tired you are. If you nap, keep it under 20 minutes before 2pm. 'Anchor sleep'—sleeping at least 4 hours during the local night—is critical. It usually takes one day per timezone crossed to fully adjust, so plan accordingly for important meetings or events.
The High Deductible Health Plan (HDHP) paired with a Health Savings Account (HSA) is a powerful financial tool that many people ignore.
- You pay a very low premium. The money you save on that premium goes into your HSA.
- The Triple Tax Advantage: 1. Money goes in tax-free. 2. It grows tax-free (you can even invest it in the stock market). 3. You take it out tax-free for medical bills.
- For 2026, the individual HSA contribution limit is $4,400. If you are young and don't spend much on healthcare, this account becomes a secret retirement fund that you can use for anything after age 65!
Free Resource: HSA is the Best Retirement Account You’ve Never Used
Resources
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