In finance, a barbell strategy balances two extremes: safety on one end and risk on the other. I think about personal style the same way. During the week, my choices are simple. wear plain and muted colors paired with white sneakers. On weekends, I tend to go in the opposite direction. I wear bold patterns, bright colors, and clothes that generally stand out. I found myself in the middle of the two, thinking I would be more comfortable and confident had I chosen a side.
The middle ground simply implies the choice was never truly made of whether to blend in or stand out. This balance extends beyond clothes. It shapes how I approach work, rest, and creativity. If I find myself stuck too firmly in a routine, I will intentionally change something. I will workout at a different time, or ride my bike instead of go to the gym. I’ll work from a coffee shop instead of my desk at home.
There is structure and discipline on one side, freedom and curiosity on the other. Each side sharpens the other. The discipline makes freedom feel earned. The freedom keeps discipline from becoming too confined. If everything is structured, life becomes rigid. If everything is free, it becomes unfocused. Holding both extremes in tension keeps things interesting. This principle applies everywhere. Invest everything in Treasuries and you’ll die comfortable but bored. Put everything in options and you’ll die broke but with stories. The right combination of both will lead to comfortable stories.
Nothing says your barbell has to be symmetric. You don’t flip a coin each morning. Most days might lean one direction. The point is knowing which end you’re on and why. Your barbell might lean 80/20, balancing structured work with bursts of creative chaos. The exact ratio matters less than the intention of where you fall.
Some people need more structure than others, and some seem at relative peace living overwhelmingly chaotic lives. The goal is to simply be more aware and confident in the decisions you are making. Embracing both extremes with intention beats settling for average. Average is beige walls and lukewarm coffee, safe yet quickly forgotten. The barbell gives you both safety and risk, structure and chaos, the boring and the memorable.
Consider your own version of the barbell. Where are you stuck in the middle? Where are you wearing khakis when you should be choosing between a suit or sweatpants? Where can you live at both ends instead of meander in the middle?