Money guys
Discipline > Margin of saving money > time
- Deferred gratification
Avoid debt
60% of Americans cannot come up with $1000 for an emergency
- 47% of Americans carry a credit card balance
- New cars lose 50% of their value in the first four years
- Save 20-25% of gross monthly income (10% is not enough now)
- Only 25% or Americans work in their field of study