Whatever insight you think you have is probably priced in already.

Don't spend too much time and energy thinking how to save a few dollars and cents. The decisions you make on bigger items like house, car, portfolio, etc will swamp any of that nickel and diming.

(This is why I don't bother lining up for Costco gas anymore.)

Make sure that every dollar has a purpose

don’t go into debt to buy depreciating assets

I legitimately never got a single piece of useful financial advice from anyone, I had to learn everything on my own via books and podcasts and it was only after getting into bitcoin.

In my mid-20s I had a decent-paying job in Moscow and was desperate to learn so I asked the richest guy I knew (an expat who worked for Baker Hughes from our local bar).

His qualification was that he was making 20k a month USD and had all his bills paid by his company - this was when 1k USD was the average in Moscow and if you made 3k USD you were a fairly serious baller.

His advice was: 'save 10% each month and read the Millionaire Next Door' lol

That was it, the best I got!

No mention of fiat, economics, trying to own assets, or even gold. Just save some fiat. I took the advice and then spent all my savings within a few months after I lost my job.

I used to ask him when he didn't just buy a house or two and rent them while he was living in Russia and he just wasn't interested at all. He could have acquired all kinds of assets.

I tried reading Tony Robbin's book about mastering the money game, and apart from it all being America-centric, you needed a brokerage account (when they were expensive) and it kept banging on about the magic of compound interest, but it just made me sad because banks basically weren't even paying interest, so what was I supposed to compound!

Pretty fucking depressing, but thankfully we have bitcoin

It's not advice, but my parents going bankrupt helped a lot.

I also had a college friend with a Rich Dad (most of them had Rich Dads come to think of it), but he lived his father's advice so I got it second hand.

Not everyone who changes wins, but those who don’t change always lose.

stack stats, stay humble

Never finance a new car. Buy a car you can afforndonlay cash for

Just buy Bitcoin and don’t think about it

Dont spend money you dont have.

Spend less than you make

Don't worry about picking individual stocks and just buy an index fund. Well and bitcoin :)

Spend your time in learning how Bitcoin works, that's the future!

90% of asset managers, after fees, cannot beat S&P500 ETF

Get a 35 year mortgage 🎉

Dont take financial advice from anyone. Do your own research. Asses your risk to reward ratio and never get too greedy

cant beat the market without deviating from the market.

maybe: Predictions cant have value https://authory.com/JoakimBook/The-Paradox-of-Prediction-af82c8f2461204f799aa95acdecd7050f

Fiat is trash and Bitcoin wins. Start educating yourself so you can be in the know.

Be greedy when other people are fearful, be fearful when other people are greedy.