What advice would you give your younger self about managing your finances?

1. You probably aren’t as smart as you think you are

• In 5–10–15 years you will laugh at yourself

2. Read

• To speed up the process of negating point 1

3. Spending habits are just as vital as income

• If not more so

4. Don’t check your valuations

• It will help with buy and hold
• Stop speculation
• Stop worry
• Save time

5. Write down your goals.

• It helps with achieving those goals.

6. Focus on 80/20

• Example are save and invest now
• I thought `I am 18/19/20, I am too young to invest`. But from what I know now, every $1 would be worth a lot in the future
• That is just one example of being productive, others would include having a direct debit attached to my account so I could just automatically invest

7. Don’t care about volatility

• Markets go up and down
• Nobody can predict them
• No need to speculate or panic

8. Be rational

• Sounds obvious
• But the natural human impulse is to invest emotionally