Wealth is what you accumulate, not what you spend

It is tempting to spend more when your income rises. But savings rely on the ability to receive an extra dollar and say: "I can spend this money, but I'm not going to."

Write down whenever you spend money on anything. A spreadsheet can be used to track your spending.

The good life is easier to attain if you're able to budget for it, such as using saved money to buy books.

To become self-actualized, you must take responsibility for your life and happiness. But you’ll never reach fulfillment if you deprive yourself of a passion or a goal.