Personal Wealth Dozen

1. Save, then spend.
2. Allocate budgets: food, netflix, car..... Stick to or adjust the budgets but never overspend them. 
3. Personal wealth is not salary. Salary distracts and often seduces us to spend more so our cost base increases disproportionally.
4. Personal Wealth is your personal balance sheet i.e. the sum of your assets less the sum of your liabilities. A bit of work on a spreadsheet should get a rapid approximation, then pay a qualified book-keeper to check it for you. Once set up, update twice a year. 
5. Your balance sheet only measures hard wealth: nice bicycles, dollar bills and personal property. 
6. There is a soft wealth which is magical, a little elusive at times, So often free and often only appreciated when it disappears. 
7. Soft wealth:  look up from your phone and grab it.
8. Standard of Living and Quality of Life are not the same. They start out the same, but if we chase the former (broadly stuff) we can damage the latter (broadly freedom).
9. Check out the True Secrets of Success, free PDF.
10. Take these drugs to put things in perspective.
11. Read Do What You Want for this (and much, much more) in more detail.
12. Regularly ask: how much fun can we have without spending money?