1 . always keep 1 year of emergency cash
2. save 10% and invest 20% of gross income , minimum
3. pay cash for large expenses ( wedding , dream car)
4. never question spending money on books , appetizers , health or donating
4. business class on flights over 4 hours
6. no limit for spending on health
7. buy the best and keep it as long as possible
8. earn enough to work with people you like and respect
9. marry the right person
10. participate time outside the spreadsheet


thank you!