As a bonus for using index funds, you'll anger your friends in finance because you'll be throwing up your middle finger to their entire industry — an… - Ramit Sethi

My friend Jim once called to tell me that he'd gotten a raise at work. On the same day, he moved into a smaller apartment. Why? Because he doesn't care very much about where he lives, but he loves spending money on camping and biking. That's called conscious spending.

He created a "Top 50 Favorites" list of contacts on his phone. He prioritizes them when it comes to hanging out. When he has a free minute, he calls/texts the people on his Top 50 list. Then he told us, at the end of the year, he re-evaluates who should be on the list and shuffles/deletes/adds to it. It can only be 50 people, so every year, he makes the tough decisions as to who's in his Top 50. People DID NOT LIKE THIS.

How much money do I need to make?" you'll say, "What do I want to do with my life — and how can I use money to do it?