Find the simplest formula to build your wealth


  1. Spend less than you earn.
    Cut your usual expenses as much as you can.

  2. Invest at least 10% of your income in the stock market or real estate.
    Before investing, learn how the stock market or real estate works first.

  3. Avoid debt at all costs.
    If you have a debt with an interest rate of less than 3%, pay it off slowly and invest more money. Meanwhile, use your best judgment if your debt has an interest rate between 3-5%. If the rate is higher than 5%, pay it off immediately or as quickly as you can.


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