My money principles:

1. Owning risk is the only way you get wealthy
2. Making money is a habit, not a goal - focus on systems
3. Spend with the lifestyle of a person younger than you
4. Earn with the effort and skill of a person older than you
5. Multiple income streams are a distraction from your core income stream
6. Social pressure and signalling is the biggest expense - avoid it
7. Skills bring you far more money than optimizing a 5% return
8. Buying your home is an emotional decision, don’t think of it as an investment
9. Don’t be one bear market away from losing 20% of your wealth
10. Free investment advice always ends up being costly
11. Real wealth doesn’t show itself
12. Living longer is the least talked about but most potent way to become wealthy
13. If retirement is your life’s biggest goal, you’re obsessed with money, not life
14. Seek purpose, everything else follows
15. Skills compound money faster than money does
16. Respect money like your parents did
17. Investing in any asset class is a full time job, leave it to experts while you build your own
18. Financial freedom is achieved when you free yourself from society, not at an amount
19. Expectations inflate faster than prices, control them
20. Avoid all specific investment advice that is attention-grabbing
21. Be grateful for what you have, few do