Here is a description of the daily commute by Michael Milken, 1980s junk bond king, as told in "Predator's Ball" by Connie Bruck:
At 5:30am each weekday in the early 1970s, a bus pulled up to a stop in Cherry Hill, New Jersey, and a young man lugging a bag that bulged with papers mounted its steps. He was making the two-hour commute to New York City, where he worked at the investment banking firm of Drexel Firestone. The train would have provided a more comfortable and faster ride; but, for those very reasons, it also offered more opportunity to meet other Wall Street acquaintances. They would want to engage in the kind of idle small talk that commuters share to pass the time. The thought must have been intolerable. He did not wish to be rude, but he wanted no interruption.
As soon as he had settled into his seat, being sure to take one with an empty one adjacent, he unloaded a mountain of prospectuses and 10ks (annual Securities and Exchange Commission filings) onto the seat next to him. On winter mornings the sky was still pitch black and the light on the bus was too dim for him to be able to read. He wore a leather aviation cap with the earflaps down; he had been bald for years, and although he wore a toupee his head always felt cold on these frosty mornings. Now over his aviation cap he fitted a miner's headlamp -- strapped around the back of his head, with a huge light projecting from his forehead.
In Vancouver in the 1990s, if you wanted to buy a six-pack of beer at 10pm after the government-run liquor store closed, you would walk into a local pub and ask the bartender if they did "off-sales". If yes, they would sell you a cold six-pack for a very small markup.
Also, in Ontario in the 1990s, one-eighth of an ounce of weed was called a "half-quarter", ha ha.
Check out the location of these condos in downtown Toronto built alongside the Gardiner Expressway, a very busy 90km/h (~55mph) highway: https://maps.app.goo.gl/TGLCBJGbrSEkAm7W6
Years ago I lived near a busy four-lane road with what seemed like a reasonable 60km/h speed limit. However, when it rained, the noise from the car tires on the wet road made it difficult to hear music from my radio. It was very unpleasant to leave the balcony doors open, as the constant din starts to work its way into your brain and make it very difficult to focus.
He builds his list from scratch every morning. The list is flat, so as you go about your day and subtasks occur to you, they are added to the list without explicit links to the main task.
I thought it might be risky to start with a blank list, because something important might be forgotten. But it turns out that a blank list is a great filter for what is truly important and motivating. If it is important, you will remember it at some point during the day.
This system is also excellent for shorter periods of time. If I come home and want to get started on dinner, want to tidy up a bit and have a few other demands on my attention, I put my laptop in a central location, open up Notepad, and just start typing in everything I see around me that I need to do. Usually I start with maybe 5 items, but as I start doing things I quickly add tasks to the list, and it might grow to 15 or 20 items. But then at some point the list starts to shrink again as these small, granular tasks are completed. It is strangely satisfying to see the list initially grow and then shrink to nothing. It also leaves me with a feeling of having thoroughly attended to everything that was bothering me when I first walked in the door.
In particular I liked the section partway* through the article where he talks about using Anki to get up to speed on the AlphaGo paper for an article he was writing for Quanta.
Also, $16.95/month is $203.40/year, which divided by $4,000 is 5.09%. If you can earn more than 5.09% then you are better off paying the fee and investing your $4,000 elsewhere.
It is also pretty much impossible to keep precisely $4,000 in your account because of the lumpiness of day-to-day inflows (paycheques) and outflows (bills). If you keep say $10,000 in your chequing account to (a) avoid the $16.95/fee, and (b) provide a buffer against unexpected expenses, then the breakeven return on your money is $203.40 / $10,000 = a paltry 2.03%.
At 5:30am each weekday in the early 1970s, a bus pulled up to a stop in Cherry Hill, New Jersey, and a young man lugging a bag that bulged with papers mounted its steps. He was making the two-hour commute to New York City, where he worked at the investment banking firm of Drexel Firestone. The train would have provided a more comfortable and faster ride; but, for those very reasons, it also offered more opportunity to meet other Wall Street acquaintances. They would want to engage in the kind of idle small talk that commuters share to pass the time. The thought must have been intolerable. He did not wish to be rude, but he wanted no interruption.
As soon as he had settled into his seat, being sure to take one with an empty one adjacent, he unloaded a mountain of prospectuses and 10ks (annual Securities and Exchange Commission filings) onto the seat next to him. On winter mornings the sky was still pitch black and the light on the bus was too dim for him to be able to read. He wore a leather aviation cap with the earflaps down; he had been bald for years, and although he wore a toupee his head always felt cold on these frosty mornings. Now over his aviation cap he fitted a miner's headlamp -- strapped around the back of his head, with a huge light projecting from his forehead.