For me quite simple: - spend less than what you earn - defer purchase, most of the time you’ll change your mind - start to save early (compound interest!) -

For me quite simple: - spend less than what you earn - defer purchase, most of the time you’ll change your mind - start to save early (compound interest!) - don’t take a loan except absolute necessary. But when yes, pay back early. - once saved enough, learn to invest in different markets - consider spending as an investment and always compare with the h0 alternative.