11 wealth creation principles that will put you in the top 5%:
1. Invest early and often

Don't underestimate the power of compounding interest, start investing right now.

It's not how much money you put in, but how long you do it.
2. Don't wait for perfect conditions

Trying to time the market is a fool's game.

The key is to start now and keep doing it consistently.

Invest the same day of every week, it should be on auto-pilot.
3. Live below your means

People upgrade their lifestyle as they earn more, but this is a mistake.

If you want to get ahead financially, live below your means and invest the difference.
4. Invest in yourself

Investing in yourself is the best investment you can make

It's never too late to learn new skills, take on new challenges, and improve yourself.
5. Take calculated risks

Know what you can afford to lose

If there is an opportunity, seize it

You need to take calculated risks that have a chance of paying off, not just sit on the sideline.
6. Have multiple streams of income

Don't put all your eggs in one basket, have multiple streams of income.

This way, if one goes down, you've got others to fall back on.
7. Invest in assets, not liabilities

An asset is something that puts money in your pocket.

A liability is something that takes money out

Make sure you're investing in the right things.
8. Peace is more important

If you can't sleep at night because you're stressing about money, it's time to make a change.

It's not worth sacrificing your health and well-being for a few extra dollars.
9. An Aspirational Hourly Rate

Knowing your Aspirational Hourly Rate (AHR) is a great way to keep perspective on your spending

It's the hourly rate you need to earn to afford the lifestyle you want.
10. Automate your finances

You should automate your finances as much as possible

That way, you're not manually transferring money around all the time.

This helps avoid mistakes and maximize returns
11. Emergency Fund

Save 3 - 6 months of living expenses.

This way you'll be prepared for anything life throws your way

Don't get caught with your pants down
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