Saimun Siddiq's Key Ideas from The Millionaire Next Door
by Thomas J. Stanley

To begin with, you should have a framework for how much your family spends on household expenses in a week, a month, and over 12 months. This framework should reflect your current income. The second framework you should have is for your ideal lifestyle. This describes how you'd like to live in the future. The neighborhood you want to live in, the kinds of food you want to be eating, the cars you want to drive and so on.

Time, energy, and money: everyone has them, but people use them differently, and the results show.

“However, the reality is, every single one of us has enough of those three to become wealthy in a lifetime. But that’s on the condition that we use them wisely. This is why financial education is an absolute necessity — without it, many of us won’t know how to live properly and achieve our desired career and financial goals.

"If your goal is to become financially secure, you’ll likely attain it... But if your motive is to make money to spend money on the good life, you’re never going to make it."