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My son Felix finished school today - his last day! We are both happy about that .... I have a lot to teach him myself, and now we'll have more time. This is one of the lessons I am teacxhing him this week ...
How to be poor - spend more than what we earn.
How to get by - spend all we earn - but that’s all.
How to begin the rise - save some money.
But if you want to become financially independent - invest some of those savings. Start small; over time, returns on investments can be re-invested and will produce even more returns, etc. The snowball will grow - but only over time.
What matters is not necessarily how much money you MAKE - what matters is how much you get to KEEP. Living beyond our means is the habit of the stupid!