Your time portfolio: why it may be more valuable than your financial one

The Sandbox Daily (11.13.2025)

Welcome, Sandbox friends.

Today’s Daily discusses:

• time affluence

Let’s dig in.

Blake

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Markets in review

EQUITIES: Dow -1.65% | S&P 500 -1.66% | Nasdaq 100 -2.05% | Russell 2000 -2.77%

FIXED INCOME: Barclays Agg Bond -0.30% | High Yield -0.41% | 2yr UST 3.593% | 10yr UST 4.121%

COMMODITIES: Brent Crude +0.41% to $62.97/barrel. Gold -0.80% to $4,179.9/oz.

BITCOIN: -3.26% to $98,523

US DOLLAR INDEX: -0.31% to 99.182

CBOE TOTAL PUT/CALL RATIO: 0.78

VIX: +14.22% to 20.00

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Quote of the day

“With integrity, you have nothing to fear since you have nothing to hide.”

- Zig Ziglar

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Time affluence

What does the word “affluence” mean to you?

For the vast majority of folks, this is a financial concept.

But academics have also developed an idea called “time affluence.”

So, what does that mean?

In short, it acknowledges that money isn’t everything. In fact, for some people, it isn’t even the main thing. Free time, on the other hand, takes on significantly more value and becomes a key determinant to personal happiness.

“Time affluence” prioritizes meaningful experiences, values leisure over constant busyness, advances deeper human connection and personal relationships, and cultivates a more balanced lifestyle.

It involves mindful use of your time, reducing unnecessary commitments, and focusing on activities that bring fulfillment and well-being, ultimately leading to a more satisfying and enriched lifestyle.

Time affluence is also a quiet rejection of a cultural norm many of us have unconsciously subscribed to: the idea that self-worth is directly linked to our compensation, or that busyness equals importance.

Research increasingly supports this view. People who guard their time – not selfishly, but intentionally – report higher satisfaction and lower stress levels.

The simple act of carving out unstructured time can function like a reset button for the mind. That might mean as few as 15-20 minutes a day.

According to Ashley Whillans, author of Time Smart: How to Reclaim Your Time and Live a Happier Life, 80% of working Americans feel time-starved. Check out Professor Whillan’s TED Talk for more.

Source: Brown Brothers Harriman, Vox, New York Times

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That’s all for today.

Blake

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Questions about your financial goals or future?

Connect with a Sandbox financial advisor – our team is here to support you every step of the way!

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Welcome to The Sandbox Daily, a daily curation of relevant research at the intersection of markets, economics, and lifestyle. We are committed to delivering high-quality and timely content to help investors make sense of capital markets.

Blake Millard is the Director of Investments at Sandbox Financial Partners, a Registered Investment Advisor. All opinions expressed here are solely his opinion and do not express or reflect the opinion of Sandbox Financial Partners. This Substack channel is for informational purposes only and should not be construed as investment advice. The information and opinions provided within should not be taken as specific advice on the merits of any investment decision by the reader. Investors should conduct their own due diligence regarding the prospects of any security discussed herein based on such investors’ own review of publicly available information. Clients of Sandbox Financial Partners may maintain positions in the markets, indexes, corporations, and/or securities discussed within The Sandbox Daily. Any projections, market outlooks, or estimates stated here are forward looking statements and are inherently unreliable; they are based upon certain assumptions and should not be construed to be indicative of the actual events that will occur.

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