29 lessons learn on life and investing along the way

Avoiding $3 coffees won't make you a millionaire

1. Staying with roommates and living like a student for a few years after graduation can

Avoid lifestyle creep and use the savings as fuel for your finances

"Stop asking $3 questions & start asking $30,000 questions"

2. The point of becoming rich is not to live luxuriously It's to live life on your own terms and conditions and chase your dreams "You now have some FU money. This is when you make things happen"

3. When you start being successful you will get hate even from close friends The reason? Your success acts as a mirror for their failures "You rarely get hate from anyone more successful than you"

4. Focus on what you are good at, not what you like Engineering and analytics were not my passions, but they paid pretty well and allowed me to follow other passions in my free time "Don't follow your passion, follow your talent"

5. Skills pay the bills In-demand and high-paying skills pay for your freedom ticket "If you’re good with computers, if you’re good at basic mathematics, if you’re good at writing, if you’re good at speaking, and if you like reading, you’re set for life." 

6. Six months of focused and hard work on yourself is all it takes to transform your life Don't be afraid to say "No" to other social obligations "Disappear for 6 months, do a ton of deep work, and 99% of your problems will also disappear"

7. Focus on how much value you create, not how many hours you work You are not a factory worker You are a mental athlete "Forty-hour workweeks are a relic of the Industrial Age. Knowledge workers function like athletes — train and sprint, then rest and reassess."

 8. Success is not what 99% of society defines it as It's not the luxuries and status It's the freedom over your time and choices "Success is doing what you want to do, when you want, where you want, with whom you want, as much as you want"

 9. From investing to politics, 99% of the news is garbage and noise It aims to make you emotional and occupied Follow a low-information "diet" and you will be fine "If you don't read the newspaper, you're uninformed. If you do read it, you're misinformed."

10. All your dreams can become reality if you: • Set goals • Create daily habits • Are disciplined and consistent "You can change. You can achieve your potential. You can make your dreams a reality."

11. From a Fortune-500 CEO to a street cleaner, everyone has something to teach you Open your eyes and ears Close your mouth Listen and learn "People who are open-minded and curious, learn something from everyone they meet"

 12. Burnout is almost never physical, but mental You either feel not rewarded or mistreated Be willing to change companies or even profession, even for lower pay at first "You’re not burned out, you just don’t get any reward from what you do"

13. Not everyone deserves an explanation or your time to argue As the old saying goes "I can explain it to you, I can't understand it for you" "80% of 'arguments' on Twitter stem from poor reading comprehension"

14. Cut toxic friends and relatives out of your life regardless of the cost You will earn your peace of mind in the long run "Fire people from your life if they’re not in line with your values as a human being"

15. The harder you try, the luckier you get • Acquire more skills • Expand your network • Always look for opportunities Better things will start coming your way "The best advice I ever received was to increase your 'luck surface area'"

16. Discipline and consistency always trump talent and intelligence in the long run Show up every day Those small daily steps will compound quickly "Consistency wins"

 17. When you try to appeal to everyone, you appeal to no one Find your target audience and identify their • Needs • Goals • Fears Then create your content around these "Understand which audience you're optimizing around"

18. Don't overcomplicate things Try to find simple solutions to complex problems Use the 80/20 rule Focus on the 20% of things that bring 80% of the results "Simplify where others complicate"

19. Avoid credit card debt and high-interest loans Never use margin or leverage for investing You will regret it later on "Borrowing money is stealing from your future self. Don't be a greedy thief."

20. Don't get too caught up in minor details when you make investments with a 10-year horizon If you hold high-growth and high-quality companies, they won't matter in the end "If you expect a 10 bagger, why worry about a 5% difference in buying price"

 21. The market does not care about your

 • School 

• Profession

• Religion

 It only cares about your 

 • Skills

 • Value

 • Adaptability

 "Degrees don’t define you."

22. You can't control the stock market movements or when your boss decides to give you a raise You can control your investing decisions and giving yourself a raise "Free yourself from things you cannot control and focus all your energy on things you can control"

 23. Nothing good will ever happen inside your comfort zone Success and excellence await outside of it "Greatness cannot be achieved by staying comfortable. Excellence is a result of continuously stretching the boundaries of your abilities. Embrace discomfort."

24. Volatility is the price you pay for owning high-quality stocks Don't get scared out of them after a sudden downturn "Confidence in owning a volatile stock comes from developing your own conviction & doing your own research on that volatile stock"

 25. When dealing with non-experts • Avoid jargon trying to seem smart • Use simple terms to seem approachable "Making something seem sound simple or understandable to the layman, is a great deal harder than using complex terms to appear knowledgable"

26. When your favorite stocks drop by a lot, don't panic That's the best time to buy them if the fundamentals haven't changed When the stocks are on sale "I think I'm cut from a different cloth. It makes me smile when my favorite companies get washed out"

27. Don't try to invest in every sector just because others are doing it You don't need to hold stocks in all the hot sectors Focus on what you know and understand "You are not an index fund. You don't have to own stocks from every sector"

28. Prioritize quality and value over quantity and time A 3-hour focused work is more than enough Don't waste 8 hours pretending to be productive with low-priority and unimportant tasks "Focus on being productive instead of busy"

29. Don't count the days for your next trip or the coming weekend Instead, make every day count "Build a life you don’t need a vacation from"

Enjoy... ..