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 are definitely not hard and fast rules, some are not even financial rules which may be very flexible. Take "save 10% and invest 20%" is maybe good for an absolute minimum but should not be a rule set in stone, if you've already got a solid savings pot - say 6 months worth of your current salary - then at that point you wouldn't necessarily need to save any more, nor is 20% into investments fixed, if you can put in more then go for it. Marry the right person? Sometimes financial goals and what your heart(/mind) tell you to do are very different things, you shouldn't necessarily intermingle finances and you should definitely consider the traits of your potential partner but not everyone has to be a financial whizz - they could be experts in other areas where you have weaknesses.