It is quite difficult to narrow it down to four. If I am forced too I would say 1.Living below your means and investing the surplus properly Not matter how much is earned, you can become broke. Ask the 70% of former professional athletes, even the elite ones like NFL players, who are said to go broke within a few years of retirement. These days, saving hard, whilst better than spending 100% of income, isn’t as useful as investing. Investing has always been better, long-term, at least, compared to saving. What has changed is 0% interest rates which means that money in the bank is losing 2%-3% every year to inflation. In previous decades, you could at least earn some money in the bank. 2. Focus Bill Gates and Buffett both said focus is the number one attribute to become successful. Focus is indirectly even related to basic questions like “what is success”. If somebody isn’t focused on what success is for themselves (financial, health, spiritual etc), it is hard to even know what you wa
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