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1) It is not about being rich, but about money buying you options so that you can live life on your terms.

2) Don't think of debt as merely a negative balance or money owed, but rather as "mortgaged time" - the one resource you have less of every day.

3) An emergency fund is a "Freedom fund" because it keeps you out of temporary poverty - and debt - when bad things happen.

4) A home mortgage is not always the right choice - but when you have one, think of it as NOT paying down a landlord's mortgage, but instead your own.

5) Paying off debt or investing, increases your net worth and frees up time.

Paying off debt = Freeing up time now.
Investing= Freeing up time later.

6) Don't think of just "expenses" - Split them into One-time versus recurrent expenses. Recurrent expenses are what get you.

7) Not paying the interest in full on a debt, works like compounding - but it does so in reverse gear, growing the debt.

8) Having wealth is being rich in a sustained way, by not relying on earned income.

9) Never think of how much you make - Think of how much you keep.

10) When you consider personal finance - Think of it as an ongoing game in life, that has players, rules, and tactics. You can ignore it at your peril, or you can decide to become a great player.
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