Secrets of Money and Life Success

Here are some little thoughts and things that have improved my finances, improved my career, and made my life better over the past decade.

Don’t throw away your childhood dreams. Find a way to still do them in the spare moments and hours of your life.

You can never judge a person by their appearance. Wait until you know something of their character.

The smell of a home-cooked meal makes a house seem like a home.

A splurge is a lot more enjoyable if you do it once a month instead of once a day.

People don’t hang out with you because of the stuff you have. They hang out with you because of the person you are. Unless you’re famous or rich, of course.

A $20 couch is worth more than a $2,000 couch if it makes you more comfortable when you sit on it.

Your house can’t be a museum if you have active, vibrant, happy children in it.

Stuff you’re not using is money that’s not invested.

Children are expensive, but they save money, too. It doesn’t cost anything to spend the evening playing Calvinball or tag in the back yard.

You can’t control the tides of humanity and society. You can control your own actions and choices.

Whenever I meet someone, I have a choice. I can either respect them and get along with them, or I can judge them. One route leads to good relations. The other route leads to failure.

Don’t overthink your investments before you start. You’re better off starting your investing now and making needed changes down the road.

Time is money. Don’t waste either one.

Your true friends are still there when you lose everything else – and you tend to always remember your true friends.

The more you give without strings or regrets, the better you feel about your own life.

A good book never lets you down.

One real relationship where the other person cares about you is worth a hundred weak relationships where the other person will drop you when it’s convenient.

If you think about every dollar you spend before you actually spend it, you’ll find more dollars in your pocket.

If you want to learn about something, surround yourself with that topic: audiobooks and podcasts in your car, books on your nightstand, printed articles on your breakfast table. Make the ideas flood your mind.

A few minutes spent taking care of your things is much less expensive than buying a replacement early because you didn’t maintain.

If you have high-interest debt, eliminating it should be your top money priority.

There is always a path to a better situation. The question is whether you have the strength to go down that path.

If you don’t feel well, your first line of defense should always be a big cup of water.

No matter what kind of positive life change you’re trying to create, it’s always easier if you have a friend doing it with you.

Tell the people you love that you love them. Often. You never know the last time you’ll be able to tell them that, and if you don’t take that chance, you’ll regret it for the rest of your life.

Spend less than you earn.

Trent Hamm
Trent Hamm
Founder of The Simple Dollar

Trent Hamm founded The Simple Dollar in 2006 after developing innovative financial strategies to get out of debt. Since then, he’s written three books (published by Simon & Schuster and Financial Times Press), contributed to Business Insider, US News & World Report, Yahoo Finance, and Lifehacker, and been featured in The New York Times, TIME, Forbes, The Guardian, and elsewhere.

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