5. Luxury. When I mean luxury, I do not actually mean it has to be expensive. But I say luxury because there are things that we do not need but still want to have or experience like traveling or eating at a good restaurant. I believe that even though we should be smart in finances this does not mean we have to completely deprive ourselves of enjoyment.
You may not believe it, but this part is the most important part, even if you want to be rich. You should eat well and sleep in a good house, this is how you give yourself a reward for the hard work you have done. In fact. Even if you just earn money and buy gold or invest in bitcoin or other assets, this will make you disappointed after months or years and this won't work in the long term. Because you have no motivation for your hard work.