10 Financial Advice You Should Give Yourself In The Past 10 Years


  1. Save and invest as quickly as possible. Don’t try to impress people who you don't even like. Spend how the rich really spend and not how you think they do.
  2. Watch out for fees
  3. Don’t try to market time
  4. Give up, or dramatically reduce, alcohol. Watch out for lifestyle more generally, including exercise. It directly and indirectly helps with spending and lifestyle choices
  5. Rebalance a portfolio only when it is rationally to do so, when there are clear winner and losers, in other words one component is performing much better than the other
  6. Read the academic literature on investing inside out. Yes even the boring work.
  7. Do not believe a lot of the non-academic forces out there, such as CNBC and Bloomberg, with their sensational headlines - A crash is coming!
  8. Have a globally diversified portfolio of equities and bonds.
  9. Even though the main focus should be on spending habits and not income, have multiple income streams
  10. Be long-term focused

Most people know some off these 10, and a few people know all of these 10, but implementing plans and keeping to them is most difficult.

Top 8 Most Powerful Lessons From The Book "Ego is the Enemy"

1. Your worst enemy lives in you.

"Wherever you are, whatever you’re doing, your worst enemy already lives inside you: your ego."

Since pride is in us, it is either we feed it or starve it.

How you deal with your pride makes the big difference.

2. Manage your pride

"Your ego is not some power you’re forced to satiate at every turn. It can be managed. It can be directed."

As soon as you feel you are becoming egoistic, boastful, and proud – you can tell yourself to stop.


3. Pride tells you to talk, humility tells you to listen.

Ego encourages you to lift yourself and base your worth on nothing or false worth.

On the other hand, humility tells you how important it is to listen to people.


4. Become a student


Ego tells you not to listen to anyone.

As a result, you stop learning.

When you become a student, you lay aside your pride.

You admit to yourself that you don’t know everything. 

So, if you want to keep on learning, learn to be humble first.


5. Help people become great

Ego focuses on self.

Humility focuses on others.

If you want to become great, you need to help other people become great.

That’s just how the universal law works.


6. Don’t be afraid to take the low position

Ego drives you to make certain decisions just to please others, causing a lot of problems along the way.

Do what other people refuse to do simply because they think they are too important to do it themselves.


7. Ego sways us from our ultimate goal.

"We’re never happy with what we have, we want what others have too. 

We start out knowing what is important to us, but once we’ve achieved it, we lose sight of our priorities. 

Ego sways us, & can ruin us."


8. Ego is the wicked sister of success & failure

When you succeed, don’t give in to the temptation of feeling important.

Don’t think that you are better than others just because you have succeeded.

When you fail, don’t feel like you have been cheated or u have been sabotaged.


Have a nice day.

17 Behaviors Or Traits Of Confident People

#1. Eye Contact

Eye contact is the first sign that a man or woman's confidence level is above average and that the person has nothing to fear or hide.

They also dress impeccably and have nothing to be ashamed of about themselves or their dressing style.

#2. They Don't Give a Damn What Other People Think

Self-confident people don't give a damn about what other people think or say about them.

They recognize that opinions are just opinions and can be false, fictitious, or biased.

#3. They Speak with Confidence

Self-confident people are not afraid to speak their mind. They've mastered the art of private or public speaking and can be charismatic if the need arises.

#4. Their Happiness Comes From Within

Self-confident people don't look for happiness externally.

They’re not easily intimidated by challenges, but remain calm regardless of situations.

#5. They’re Subtly Bold

Self-confident women are not afraid to display their femininity. They're usually the first person to approach men, giving the impression that they're easy to get, while in reality they're the most hard to get.

In the case of men, they're not afraid to approach women, regardless of their social status or fame.

#6. They're Not Easily Swayed

Self-confident people are not easily swayed or intimidated by crowds. They have the power to say No, and will not accept things just to please other people.

#7. They Make Bold Decisions

Decisiveness is a clear sign of high level of confidence and high self-esteem.

A self-confident man or woman is not afraid to make decisions and take responsibility no matter the outcome.

#8. They're not Shy

Shyness is a clear sign of lack of self-confidence and self-esteem, therefore the opposite of this must be a person full of confidence.

#9. They Dare to Try

Self-confident people are always trying out new things, and they can sometimes be unpredictable.

#10. They’re Not Easily Intimidated

Fear of failure or defeat are not in the vocabulary of a highly self-confident and courageous person. Self-confident people don't get angry easily. They understand that defeat always takes place in the mind.

A self-confident person takes everything in stride and therefore, attracts success naturally.

#11. Not Afraid to Ask Questions

A self-confident person asks tough questions because they know that the best way to get quality answers is to ask challenging questions.

#12. They Take Risks

Self-confident people take risks as though it were second-nature.

They don't hesitate to take risk especially if something is worth doing. They don't blame themselves either, when things go wrong.

#13. They Don't Fear Strangers

Self-confident people don't fear approaching and talking to total strangers.

They enjoy opening up to other people because they understand this is the best way to extract vital information from people. It's part of the excitement and an adventure.

#14. They’re Not Easily Shocked

Self-confident people are not easily shocked by bad or good news.

They've mastered the art of patience and know that news need to be processed first before they can be acted upon. They understand that news of whatever nature can be misleading, false, or fake.

#15. They're Go-Getters

Self-confident people are Go-Getters. They understand the need to take advantage of an opportunity if it's worth it.

They understand failure as well as success.

#16. They’re Ambiverts

Self-confident people can be extroverted either by design or when the need arises, or they can be introverted when the situation calls for it.

They're ambiverts by design.

#17. They Don't Gamble

Self-confident people don't take risks they can't control, like gambling.

They understand that gambling is not a game of numbers, but a game of chance where the chances always tend to go the wrong way.

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