Finance: aim to be broke when you die. It changed my view at the personal finance, and made some decisions much easier. If I die at the old age, my kids will b

Finance: aim to be broke when you die. It changed my view at the personal finance, and made some decisions much easier. If I die at the old age, my kids will be in their 40's-60's. My savings won't make a significant impact on their personal finance (assuming all is well; validated over the multiple inheritance splits within my family). Which means, don't (extensively) save for the retirement, but invest in yourself and your children. Makes spending money for the classes, better schools, moving to the neighborhood with more options, etc. much easier decision to make.