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• Understanding Your Relationship with Money:

  Examine your past experiences to understand your current spending and saving habits. There's no single 'right' way; find what works for you and avoid judging others' choices.
• The Regret Lens:

  Base financial decisions on what you'll regret in the future. Consider your potential future regrets, acknowledging that this perspective shifts over time.
• Avoid Financial Extremes:

  Steer clear of extreme saving (FIRE movement) or spending (YOLO investing). These approaches often lead to future regret.
• Money as a Tool for Independence and Purpose:

  Money buys happiness indirectly by enabling experiences (time with loved ones, pursuing passions) that foster purpose and independence. Prioritize these core values over mere accumulation.