“Spending money to show people how much money you have is the fastest way to have less money.”

“Use money to gain control over your time, because not having control of your time is such a powerful and universal drag on happiness. The ability to do what you want, when you want, with who you want, for as long as you want to, pays the highest dividend that exists in finance.”

“Planning is important, but the most important part of every plan is to plan on the plan not going according to plan.”

“Controlling your time is the highest dividend money pays.”

“Independence, to me, doesn’t mean you’ll stop working. It means you only do the work you like with people you like at the times you want for as long as you want.”

“Be nicer and less flashy. No one is impressed with your possessions as much as you are. You might think you want a fancy car or a nice watch. But what you probably want is respect and admiration. And you’re more likely to gain those things through kindness and humility than horsepower and chrome.”

“Progress happens too slowly to notice, but setbacks happen too quickly to ignore.”

“Things that have never happened before happen all the time.”

“Saving is the gap between your ego and your income.”

“Nothing is as good or as bad as it seems.”

“Growth is driven by compounding, which always takes time. Destruction is driven by single points of failure, which can happen in seconds, and loss of confidence, which can happen in an instant.”

“Savings can be created by spending less. You can spend less if you desire less. And you will desire less if you care less about what others think of you.”

“Using your money to buy time and options has a lifestyle benefit few luxury goods can compete with.”

“You are one person in a game with seven billion other people and infinite moving parts. The accidental impact of actions outside of your control can be more consequential than the ones you consciously take.”

“Risk is what’s left over when you think you’ve thought of everything.”

“Plan to survive reality. Future filled with unknown is everyone’s reality.”