Time is Your Most Important Asset You can always earn more money, but nothing can buy you more time. (Ch. 21)

You’ll Never Feel Rich and That’s Okay No matter how successful you get with your money, there will always be someone with more. If you win the financial game, make sure you don’t lose yourself in the process. (Ch. 20)

Invest to Replace Your Waning Human Capital with Financial Capital You won’t be able to work forever, so replace your human capital with financial capital before it’s too late. Investing is the best way to accomplish this. (Ch. 10)

Save at Least 50% of Your Future Raises and Bonuses A little lifestyle creep is okay, but keep it below 50% of your future raises if you want to stay on track. (Ch. 5)

Focus on Income, Not Spending Cutting spending has its limits, but growing your income doesn’t. Find small ways to grow your income today that can turn into big ways to grow it tomorrow. (Ch. 3)

Your income and spending are rarely fixed, so your savings rate shouldn’t be fixed either. Save what you can to reduce your financial stress. (Ch. 2)

Save What You Can

Saving is for the Poor, Investing is for the Rich Find where you are in your financial journey before deciding where to focus your time and energy. If your expected savings are greater than your expected investment income, focus on savings; otherwise focus on investing. If they are similar, focus on both. (Ch. 1)

You may find this same pattern in your life too. You may have set your expectations rather high while you were young, only to be let down later. However, as the research suggests, this is completely normal. What’s also normal is lowering your expectations over time, probably too much, to the point where, as you head into old age, pleasant surprises