Rich people don't guess with money. They follow rules.
1. Never withdraw more than 4% a year in retirement — your money outlives you.
2. Keep 3-6 months of expenses in a high-yield account. Untouched until it's a real emergency.
3. Housing never eats more than a third of your income. Ever.
4. Buy something nice, invest the same amount. Every time.
5. Cars — 20% down, 4 years to pay it off, under 10% of your income.
Five rules. That's the whole system.
Save this before you forget it.
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