I think I learned the best financial secrets in later which were all clearly in my sight but I was blind to see. First one is to use debts wisely to leverage your position. With good timing you can secure your future through real estate investments by being little bit indebted. Second is to always keep saving no matter what people say. If you spend a lot to buy unnecessary products you are selling your life away (let's assume you are laborer). First thing to do is to exit labor and generate money. Always.