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like I make $145,000! The best excuse people have for not having wealth is “I don’t have time.” Well, why don’t you have time? Because you have a job. Why do you have a job? Because you need one. Why do you need one? Because you have bills to pay. Why do you have bills to pay? Because you have debt. Why do you have debt? Oh yes, because you went to school for six years and have six figures in student loans.

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Anyone who has become rich twice is dumb. Why would you risk what you need and have for what you don’t need? If you are already rich, there is no upside to taking on a lot more risk, but there is disgrace on the downside.

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The primary reason people don't achieve big goals is because they don't realize that the only source of truth is making mistakes. They soak up advice and theory, expecting it to be an exact match to their mind, experience, and situation just to fail once and give up completely.

If you'd asked me as a kid how rich people became poor, I'd have said by spending all their money. That's how it happens in books and movies, because that's the colorful way to do it. But in fact the way most fortunes are lost is not through excessive expenditure, but through bad investments.

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