This chart, from this post, is pretty illuminating. For the longest time, I thought the key to being financially-wise was to live below your means. That is important, but it is only the start.
How to invest: I heard several financial planners note that the best-performing financial portfolios were by people who were dead -- because the dead didn't futz with their portfolios!
The other key, of course, is to want less. Recognize and get off the hedonic treadmill.
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