My Personal Finance Rules
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1. Budget less than 0.1% of net worth as daily spend
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2. Only buy business expenses that you can see a 10x ROI within 12 Months
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If it's 3x ROI within 18 months, you've still won
It's like the margin of safety parable that Buffet uses
3. When you shop, say OUT LOUD what you'll buy
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4. A job will make you a living, a business will make you a fortune
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5. A dollar saved is $1.50 earned
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6. INVOICES
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Don't pay the phantom tax, invoice right away!
If you invoice after, say, 1 month, both opportunity cost and inflation have eaten away 1-3% of your invoice total!
7. 2nd hand -> Cheap -> Hobby -> Pro -> Best
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The order to buy things for your business/passion
Save money when you suck, gradually spend more
8. Make your time worth more
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9. Give yourself a raise every Quarter
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10. Give money to charity
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