Sublime

If you don’t consciously choose what “rich” means, it’s easy to end up mindlessly trying to keep up with your friends.

While other people spend many hours cutting coupons, agonizing over generic brands at the grocery store, or beating themselves up over a morning latte, they’re failing to see the bigger picture.

Negotiate down the APR. I’m a huge fan of taking fifty-fifty odds if the upside is big and it takes only five minutes of my time. Accordingly, try negotiating down your APR. It works surprisingly often, and if it doesn’t, so what?

The As are already managing their money and want to optimize what they’re doing. The Bs, the largest group of people, are not doing anything but could be persuaded to change that if you figure out what motivates them. The Cs are an unwashed mass of people who are a lost cause.

It’s to live your life and let money serve you. So instead of saying, “How much money do I need to make?” you’ll say, “What do I want to do with my life—and how can I use money to do it?”