*If you want happiness, spend your money on experiences, not on stuff.
*A financial goal not written down and with no deadline, is only a financial wish.
*The only person that will truly ever care about your money is you.
*There is no single way to manage your money correctly.
*You can have anything you want in life, as long as you prioritize it.
*Investing in index funds, isn’t average.
*The goal for an investor is to earn the highest return after-taxes and expenses.
*99% of financial news is meaningless.
*The 1% of financial news that does matter isn’t on TV.
*Investing really can be as easy as putting your money in a good targeted retirement fund.
*The best investment, is an investment in yourself.
*You have a limited ability to save money, and an unlimited ability to earn money.
*You control what’s possible, by what you believe is possible.
*Money without time, is worthless.
*You don’t have to make money back, the same way you lose it.
*Compound interest really is magical.
*The fastest way to decrease your net worth, is to borrow money to buy an asset that depreciates.
*It’s not about how much you make, but how much you keep.
*You can borrow to pay for your kids college but not for your retirement.
*For a young investor, it’s better to focus on how much you save, rather than focusing on a marginal increase in investment returns.
*An employer match is an immediate return on your savings.
*Money can make you money, which can make you money.
*The goal of money, is to manage it to reach your goals in life.
*Investing is simple, it’s just not easy.
*The purpose of a budget isn’t to determine where your money went, but where your money should go.
*The unexpected will happen, an emergency fund is your insurance.
*The cheapest insurance is self insurance.
*What can’t be self insured, must be insured.
*It’s better to actively manage your life, not your investments.
*You can only change one financial habit at a time successfully.
*When trying to change a financial habit, make that change as small as possible.
*Your environment, shapes your decisions.
*Information, doesn’t lead to action.
*You don’t lack willpower.
*You overestimate how much money you need to live your desired life.
*Money is a tool to get what you want, it’s not the end goal.
*Your mind is your greatest asset.
*There’s a small correlation between your salary and happiness, but only to a certain extent.
*If you THINK you can afford to buy something, you can’t.
*Life isn’t about money, it’s about time.