When you are young, spend at least 6 months to 1 year living as cheaply as you can, owning as little as you possibly can, eating beans and rice in a tiny room or tent. That way any time you have to risk something in the future, you won’t be afraid of the “worst-case” scenario.

Courtesy costs nothing. When you borrow something, return it cleaned. Lower the toilet seat after use. Let the car in front of you merge. Return shopping carts to their designated areas. Let the people in the elevator exit before you enter. These courtesies are free.

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Efficiency is highly overrated; goofing off is highly underrated. Regularly scheduled sabbaths, sabbaticals, vacations, breaks, aimless walks, and time off are essential for top performance of any kind. The best work ethic requires a good rest ethic.

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We tend to overestimate what we can do in a day, and underestimate what we can achieve in a decade. Miraculous things can be accomplished if you give it 10 years. A long game will compound small gains that will be able to overcome even big mistakes.