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!
These rules are only for well-off people, and if you really don't understand it's not for everyone, it's quite sad how many people and their living conditions you disregard. I come from a developing country, and I barely know any people who have 1 year worth of emergency cash. Not because they're stupid and didn't think of it, but because they live on what they earn, and they can sometimes make small savings, but nowhere near a year worth of them. Similarly, they can't invest 10-20% into anything because they need the money to survive. Business class flights is also something very expensive and not affordable for most.