Spend less than you earn—invest the surplus—avoid debt.Do simply this and you’ll wind up rich. Not just in money.

Spend

Life choices are not always about the money, but you should always be clear about the financial impact of the choices you make.

Choice

Save a portion of every rupee you earn or that otherwise comes your way.

Small Portion 

Avoid fiscally irresponsible people. Never marry one or otherwise give him or her access to your money.

Avoid 

The stock market is a powerful wealth-building tool and you should be investing in it. But realize the market and the value of your shares will sometimes drop dramatically. This is absolutely normal and to be expected. When it happens, ignore the drops and buy more shares.This will be much, much harder than you think. People all around you will panic. The news media will be screaming Sell, Sell,

Stock 

Making money is not a thing you do —it’s a skill you learn

Wealth creation is an evolutionarily recent positive-sum game. Status is an old zero-sum game. Those attacking wealth creation are often just seeking status.

The greater the percent of your income you save and invest, the sooner you’ll have F-You Money.Try saving and investing 50% of your income. With no debt, this is perfectly doable.

Saving

Nobody can predict when these drops will happen, even though the media is filled with those who claim they can. They are delusional, trying to sell you something or both. Ignore them.

Predict 

If you don’t own a piece of a business, you don’t have a path towards financial freedom.

If you don’t own a piece of a business, you don’t have a path towards financial freedom.

Build Or Buy Equity In Business 

You own the things you own and they in turn own you.

Own Things!

Carrying debt is as appealing as being covered with leeches and has much the same effect.

Debt 

Money can buy many things, but nothing more valuable than your freedom.

Money And Freedom 

Money doesn't buy happiness - it buys freedom.

The Financial Freedom 

Money doesn't buy happiness - it buys freedom.

GETTING RICH IS NOT JUST ABOUT LUCK; HAPPINESS IS NOT JUST A TRAIT WE ARE BORN WITH. These aspirations may seem out of reach, but building wealth and being happy are skills we can learn. So what are these skills, and how do we learn them? What are the principles that should guide our efforts? What does progress really look like? Naval Ravikant is an entrepreneur, philosopher, and investor who has captivated the world with his principles for building wealth and creating long-term happiness. The Almanack of Naval Ravikant is a collection of Naval's wisdom and experience from the last ten years, shared as a curation of his most insightful interviews and poignant reflections. This isn't a how-to book, or a step-by-step gimmick. Instead, through Naval's own words, you will learn how to walk your own unique path toward a happier, wealthier life.

philosophy

Philosophy

Discover the world of business and economics.

economics

Economics

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Money & Investments

business

Business

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Books

Getting rich is not just about luck; happiness is not just a trait we are born with. These aspirations may seem out of reach, but building wealth and being happy are skills we can learn. So what are these skills, and how do we learn them? What are the principles that should guide our efforts? What does progress really look like? Naval Ravikant is an entrepreneur, philosopher, and investor who has captivated the world with his principles for building wealth and creating long-term happiness. The Almanack of Naval Ravikant is a collection of Naval's wisdom and experience from the last ten years, shared as a curation of his most insightful interviews and poignant reflections. This isn't a how-to book, or a step-by-step gimmick. Instead, through Naval's own words, you will learn how to walk your own unique path toward a happier, wealthier life.

Eric Jorgenson is an entrepreneur, writer, and investor. He is on the founding team of Zaarly, and has been publishing online since 2014. His blog has educated and entertained over a million readers.Eric is on a quest to create (and eat) the perfect sandwich. He tweets at @ericjorgenson and publishes new pieces and projects on ejorgenson.com/blog

NAVAL RAVIKANT

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