What are the ten most important things about personal finance that someone without a finance background must know?

Track all your expenses, savings, etc. This is something I am not good at that I want to do. Build a dashboard of all your expenses, incomes, and investments (learning is one of them) in one place. You will see trends. You will be surprised. I once discovered I was using way more taxis than I thought and was wasting money on cashing fees.

Needless to say, this has been dominant. Saving is important, but it is passive. Building, creating, and making more money is proactive.

The more you know, the better you are equipped to take advantage of tools, trends, information asymmetry, etc.

Dept drains your pockets, energy, and blessings. Unless for the big items like a house, with a cheap interest rate that it feels like free money, dont accumulate debt.

Investing in great founders is better than ETFs in a long term.

Writing, mentoring, sales, lead generation, etc.