"The stock market is a device for transferring money from the impatient to the patient." -- Warren Buffet
If your investment balance is relatively small, don’t waste hours trying to optimize returns. Earn more. Grow your contributions.
You don’t grow wealth by clipping coupons or turning down the thermostat; you grow wealth by starting businesses and investing.
Stop telling yourself you “deserve” fancy junk. What you really deserve is a life where you don’t have to work until you’re 80.
At the end of the day, money management comes down to three things: What you earn, what you spend, and what you invest.