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Redwood Bear's avatar

Solid advice. Definitely not taught in public schools!

Martin Maxwell's avatar

This hits hard—especially the ā€œI’m winging it but pretending I’m fineā€ part. šŸ˜…

What I love about this is that it doesn’t shame you for enjoying life; it gives you permission to spend and build wealth at the same time. Automate the boring stuff, protect yourself, grow your income, and define what ā€œrichā€ actually means to you. That’s not panic—that’s power.

James | The Canny Cousin's avatar

I’m intrigued what might change for readers who are nearer their 50s than their 30s? I suspect the ā€˜what’s it all for’ question would be the most significant one but keen to hear your thoughts. Thanks for posting!

Kathir Azhagan's avatar

Even after achieving financial security, don’t upgrade your lifestyle; try to be a minimalist.

Financial freedom is about independence, not showing off.

Lifestyle upgrades kill freedom before they kill wealth.

Upgrade experiences and health, not fixed costs like a luxury home or a luxury car.

It’s not to buy more things — it’s to need fewer things.

Wealth GPS's avatar

Very good list! Love that you included the core question behind it all: "What is this all for?". As one of Covey's habits taught: when it comes to great projects, "start with the end in mind."

And what is a greater endeavor than building exactly the life you want?

The South African Investor's avatar

Interesting point you have at No.3 "Protect Your Digital Identity" never really thought of it in this way ... i will look in to it THANX!