Savings rate matters more than income. A person saving 20% of $30,000 builds more wealth than someone saving 2% of $100,000.

  • Minimize fixed expenses. Housing and transport are the two biggest costs. Keep them low.
  • Maximize savings rate. Even 10% of a small income builds real wealth over time.
  • Build income on the side. A second skill or side hustle adds streams without waiting for a raise.
  • Avoid lifestyle inflation. Every raise should increase your investment rate, not just your lifestyle.

The gap between people who build wealth and those who do not is rarely income. It is almost always habits.

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