Too many people waste money on things that look good in the moment but do nothing for their future. Here are some principles worth following:

⏺The one-third rule: split income into three equal parts — debt, living expenses, and savings. It keeps you balanced and prevents disaster when life gets messy.

⏺Don’t fall for “spaving”: buying extra just to “save” on discounts or free shipping. It’s not saving if you didn’t need it in the first place.

⏺Quality over quantity: one durable item beats five cheap ones that break. In the long run, you’ll spend less and own better.

⏺Audit small leaks: track tiny, everyday expenses like snacks, subscriptions, or impulse buys. Add them up — that’s where your money disappears.

⏺Frugality is a skill: living with less teaches discipline, lowers stress, and frees you from chasing status symbols. True wealth is the ability to live on your own terms.

⏺Invest early and often: instead of piling up liabilities, put money into assets like stocks, crypto, index funds, real estate, or even your own small business. Compounding over years is the only real shortcut to freedom.

Most people don’t get stuck because they don’t earn enough. They get stuck because they spend wrong 😣