It Takes a Long Time
Compounding isn't just for stocks.
I keep running into a version of the same conversation in the community and outside it.
Someone wants to start journaling but wants to use AI to make it more efficient. Someone else wants to track their expenses but finds the spreadsheet too tedious so they're going to build a vibe-coded app instead. Another one wants to track their workouts, but only if the friction is low enough.
My general advice has always been: use whatever works for you. Pen and paper, an app, a Google Sheet, AI, whatever. Doing the thing is what matters, not how you do it. That's been my position for years and I still believe it. But I've noticed something shifting.
People have started taking 'The Why' for granted.
So focused on optimizing the system that they've lost the plot on what the system is supposed to do. I've written before about how the fundamentals don't move. This is that, in practice.
Take expense tracking. I run mine on a Google Sheet. Manually. I built an expense tracker for the community based on this exact setup. Every entry is my problem. I sit down at the end of the day and spend maybe 5 minutes on it. In 2026, I know that sounds ridiculous when you can connect your bank account to some app and automate the whole thing away.
But those 5 minutes wire you. Every time you open that sheet and make an entry, you are consciously reckoning with where your money went. You're not reading a report generated by software. You're sitting with the reality of what you spent and deciding whether you're okay with it. Do that for a month and something starts to change. Not in the sheet. But in you.
You start to value your money differently. You start asking the real questions. Do I cut expenses? Do I save more? Usually neither, especially in a country like Pakistan where the earning ratio is so low. Usually the answer is: earn more. You start to understand, in a real visceral way, how money moves through your life.
Automate it and you've lost the entire point.
Same with journaling. When a friend recently asked me about it, I showed him entries from 17 years ago. 3 lines. That was it.
I'd open a notebook, write 2 or 3 sentences about how the day went, and close it. Didn't know at the time that this was a practice with a name. Found out last year, reading Atomic Habits, that there's apparently a whole thing called one-line journaling. But the point was never to write profound 200-word essays. The point was to have a record. Something to look back at.
On a bad day I could open those entries, read through them, and remember: oh, my life actually isn't that bad. That's the whole thing. Journaling, like expense tracking, is about retrospection. Looking back so you can understand where you're heading.
It only works if you gave a damn when you made the entry. Right?
And my health situation made it finally click for me.
Health is something I've struggled with for most of my adult life. It's the one area where I can genuinely say "I have failed". Otherwise Alhamdulillah, in almost everything else, I have succeeded and continue to progress (Say Masha'Allah, you nazar lagao person).
But health, I ran it into the ground. About a year ago I started taking it seriously. I've been logging every session. Started as manual notes in a Discord channel, the same one I wrote about here. Then I built an AI artifact to make it easier to query. Then turned that into a full app because the artifact wouldn't load at the gym. You can see it at solokarry.com if you want to know what compulsive tracking looks like in practice.
But even when I moved from Discord notes to the app, I kept the manual step. I still dictate my workout. I still have to consciously say what I did. Because recording it is not separate from the workout. It's part of it.
Someone in the community recently told me they didn't have time to track their workouts. My response: Brother, you seem to have found 90 minutes to workout, but can't take 5 more minutes to write it down??? How the heck are you supposed to progress then if you really are serious about it?
That last question is the whole thing. In gym culture there's a concept called Progressive Overload.
Over time, you try to do a little more. More weight, more reps, a harder variation. You're always trying to move forward, not sit in maintenance mode. Most people don't even push themselves enough to ever progress. The tracker currently shows 59 personal records across 23 sessions. That doesn't happen by accident. It happens because I track, so I know what I did last time, so I know what to beat.
The tagline on the tracker: "Fixing 30 years of f***-ups, one entry at a time." Read that again.
Remove the tracking and progressive overload becomes impossible. You're just showing up and going through the motions with no frame of reference.
It takes a f******* long time.
I don't know when this got lost, but somewhere along the way people decided that 1 month is a fair window to evaluate whether something is working. 3 months if they're being generous. I wrote about this on The Wandering Pro recently, the idea that hoarding information isn't the same as learning. The same logic applies here. Unless you've genuinely stuck with something for at least 6 months, preferably more, you cannot tell me whether it worked or failed.
Everyone understands compounding when it comes to money. The stock market, compound interest, mutual funds. Leave it alone long enough and the returns start to multiply. 7 to 10 years and you see the real curve. People nod along to this in finance.
And then they quit the gym after 6 weeks because they don't look different yet.
I messed up my health for 30 years. I cannot undo 30 years of damage in 1 year at the gym. What I can do is track my progress, keep showing up, and understand that the real timeline is 3 to 5 years. 1 year has already shown me real progress. But 1 year was never the destination.
Business is the same. I'm in my second year right now. Running almost entirely on referrals. No reliable direct channel yet. No paid ads, no inbound engine humming on its own. That bothers me most nights, I won't pretend otherwise. But when I zoom out: we're already in the top tier of software services businesses in Pakistan. Second year. Built on referrals and word of mouth alone.
I live my life like I'm sowing seeds. Different seeds, different aspects, and they'll give me an ROI 5 years later, 10 years later.
That's compounding. It doesn't look like much while it's happening. You only see it when you look back.
In a long enough time horizon, anything is possible. The problem is most of us shoot ourselves in the foot by putting a timeline on it. I did it too. I gave myself an arbitrary deadline years ago. Retire by 35. No idea where that number came from. Over time I've softened it to something more honest: by 35, I don't want to be doing client-facing services work anymore. I want to do something that feels like play. Maybe a podcast. A community that just shows up and funds my lifestyle by finding the content useful. That's the actual dream.
I came across a video recently from a creator called Dino Kornel. He makes gaming content, comedic tech personality. In the video he says he's happier than Elon Musk and Jeff Bezos. He has his wife, his daughter, he games whatever he wants, and a loving community that funds his lifestyle. He means it. You can tell.
That's the dream for a lot of people, I think. The problem is everyone wants to get there overnight. That's where the dream crashes down, and the nightmares begin. You take bad sponsorships. You chase shady deals. You say yes to things that contradict everything you set out to build, just to hit a number faster. You think you're getting closer to the dream. You're just getting farther and farther away from it.
Without the tracking, you have no way to see how far you've come.
It's all about appreciation.
The journaling, the expense tracking, the gym, the business building. All this self improvement crap, whatever the heck you want to do. It's not to optimize for a better life. It's to optimize for a better future. So do understand that.
Give it time.
With or without my help - I wish you the best.
P.S. I've been at the gym for a year now, like I said. And here's the honest thing. I've never posted a progress photo anywhere. Never even felt comfortable taking one. This is the first picture I've comfortably taken.
My shoulders are wider. My arms and forearms have filled out. My frame is leaner and broader than it was a year ago. I still have a huge ass dad bod tummy, and legs of giants.... but that's the point. I am making progress. It's been a year. It's going to take a couple more years before I'm where I want to be, and I'm okay with that.
This photo is a testament to this article. What I preach, I do. I'm going to appreciate the progress I've made, and I'm going to feel happy about it no matter what anyone thinks.
Don't wait until you've arrived to acknowledge how far you've come.
Because listen. If you have a problem with any of this, go to solokarry.com, check my sessions, and come do a workout with me. Let's have some fun.








