Personal Finance in 10 Simple Sentences

I moved #10 to #1, because it is actually the most important.

1. You need a written budget and a written plan for your money
2. Spend less than you earn
3. Create an emergency fund immediately
4. There is no tomorrow; start today
5. It's purely on your shoulders
6. The "Joneses" are living a lie
7. Pay off your debt
8. Create multiple sources of income
9. Personal finance is 20% knowledge and 80% behavior
10. Income does not determine your wealth


  1. Thanks for taking the time to discuss this, I feel strongly about it and love learning more on this topic. If possible, as you gain expertise, would you mind updating your blog with extra information? It is extremely helpful for me. side hustles in 2021


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