RE: LeoThread 2025-11-15 22-27

1. Steer clear of high-interest debt
2. Plan in decades, not days
3. Keep an emergency fund covering 3–6 months of expenses
4. Use a budget that assigns every dollar a purpose

1. Invest in skills and education to increase earning power
2. Negotiate recurring costs and compensation (salary, rent, fees)
3. Favor index funds — time in the market beats timing the market

1. Build multiple income streams (job, side gigs, investments)

What else?

Great list... only thing I’d add is “protect your time like money, it’s your biggest asset.”