I Will Teach You to Be Rich

Start before the system is perfect; a small investment still builds habit and time in the market.

Pay bills on time and address high-interest card debt before chasing returns.

Automate good behavior to reduce monthly decisions.

Spend generously on priorities and cut aggressively where value is low.

Optimize major financial decisions before scrutinizing every small expense.

Use simple, diversified, low-cost investments for long-term goals.

Treat earning more as part of the plan, not endless cost cutting as the only lever.