One of the surest way to build wealth over a lifetime is to spend far less than you make and intelligently invest the difference

If you want to grow rich on a middle class salary, you can’t be average. We have to sidestep the consumption habits to which so many others have fallen victim

Many have jeopardized their own pursuit of wealth of financial independence for the allusion of looking wealthy instead of being wealthy

If you are considering purchasing a home, double the interest rate and figure out if you could still afford the payments, if you can, then you can afford the home

Never receiving free money allowed me to adopt responsible spending habits

By learning how to spend like a rich person, you can eventually build wealth without the added anxiety

Starting early is the greatest gift you can give yourself. You can benefit exponentially by investing.

Writing down expenses helps you to get an idea of how much you spend in a month, providing an idea of how much you can invest. It also makes you accountable for your spending, which encourages most people to cut back

Most advisers make money for themselves, at their clients expense

96% of actively managed mutual funds underperformed the US market index after fees, taxes, and survivorship bias

Don’t be impressed by the historical returns of any actively managed mutual fund. Choosing mutual fund, based in its past performance is one of the silliest things an investor can do

Most people sell or cease to buy after the fund becomes cheap, and they buy like lunatics when the fund becomes expensive. This behavior is self destructive

Long term, stock markets predictably reflect the fortunes of the business within them

Price of a stock will eventually reflect their growth of company

When there’s a disconnection between business profits and stock prices, you can easily take advantage of the circumstances

Have an investment in stock index and bond, split it according to your profile risk. And rebalance it every year

The more you trade, the less you make after taxes and fees

Buy businesses that are relatively easy to run and make sure the price of those business products are going to rise with inflation

Low debt levels can be solid foundations, especially during tough times