Personal finance in 10 sentences

1. Spend less than you earn
2. The best time to start was yesterday, the worst time to start is tomorrow
3. Nobody can help you except yourself
4. Stop trying to keep up with the Joneses
5. Pay down the highest interest bearing debt first
6. Build multiple streams of income
7. Life will throw you curve balls so have an emergency plan
8. Personal finance is 20% knowledge, 80% behaviour – Dave Ramsey
9. Income does not determine wealth
10. Do everything in moderation

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