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If I could go back: what I’d tell my younger self about money & investing 🧵
1️⃣ Don’t chase quick returns Compounding doesn’t work on excitement, it works on patience The sooner you accept that, the sooner you’ll actually build wealth
2️⃣ Your savings rate matters more than your stock picks You can’t control the market But you can control how much you save, how regularly you invest, and how long you stay in the game
3️⃣ The goal isn’t to beat others — it’s to stay in the game longer than most Survival > Outperformance
4️⃣ Never invest in something you don’t understand If you can’t explain it to a 10-year-old, you shouldn’t put your money in it
5️⃣ Learn the difference between price and value early Price is what you pay Value is what you get And the market often confuses the two
6️⃣ Avoid lifestyle inflation Every time your income rises, don’t increase expenses, increase investments Freedom feels better than luxury
7️⃣ Keep your circle of competence small, but your curiosity big You don’t need to know everything — just what matters.
8️⃣ Don’t ignore psychology Markets run on emotions The best investors manage their mind, not the market
9️⃣ Wealth isn’t how much you earn, it’s how long you can live without working Focus on time freedom not just money
🔟 And finally… Don’t be in a hurry Compounding needs time, not timing The earlier you start and the longer you stay, the luckier you’ll look