My philosophy about money

_{I have a friend who seems to think that I live in a cheap house. He never said it directly, but he made a few muffled comments about it and I've realized that he probably thinks that it's not a prestige house enough for him.}

_{On instagram and on many other places, you can follow new millionaires. You can follow some douchebag entrepreneurs with their plastic girlfriends, always filming themselves in fancy restaurants or on some beach. And you wonder why the fuck they publish 5 videos a day about what they ate, where they were. Their fucking life looks to be so empty, with all that cash.}

_{You quickly realize that these are not real « rich » people. Real rich people are quiet. They don’t want to create a hype.}

_{You can’t stay rich for too long if you fall into excesses. I deeply believe that everything is a question of discipline. I owe almost everything to discipline : my education, my job, my relative wealth. Luck and genetics have had little impact on where I’m at the moment. It’s probably 80% a question of discipline.}

_{How could you become rich, or at least, comfortable?}  

1. _{Bring your lunch to your job;}
2. _{Don’t buy a big car. Ideally, use just one car for your family (another car will cost you at least 400 or 500$ a month (payment + gas + insurance + other fees), which is a lot of money you could put on the stock market);}
3. _{Buy a small house and don’t move;}
4. _{Don’t fall into consumerism. Take advantage of consumerism (when you buy things, you lose your money, when you buy stocks, you take advantage of the people who buy things);}
5. _{Save the biggest part of your income and invest frequently. But don’t forget to eat and dress well. You don’t have to look like a fucking hobo.}

_{If you do that and you have a good income I don’t see how things couldn’t turn well for you. Avoid debts and big payments. It will strangle you and you’ll be unable to save enough money. If you can save 50% of your income each month, you can do a lot of mistakes in the stock market and your “adjusted” performance will be great anyway. And don’t tell anybody what you own. When you show your cash, people make comments, they’re jealous, they expect you to buy things for them. Money has to remain hidden, otherwise, there’s big expectations about your generosity. You don’t owe anything to anybody. You didn’t steal anybody to have this money. You ate fucking spaghettis while others were eating KFC, smoking cigarettes and fucking expensive whores from Russia.}

_{Next year, I’ll be 40. It’s the precise year when things will change for me. I plan to change my relation to money from a perspective of security to a perspective of comfort. Obviously, I won’t change drastically, but I’ll face the other half of my life differently after many years of discipline.}

_{You better sacrifice comfort when you’re young. Why? Because the opposite is crazy. Why spend everything when you’re under 40, then face a lot of stress, trying to save enough  money for your old days, after you’ve lived many years in a rich manner? You can’t change these habits easily.}

_{I owe that philosophy to Stephen Jarislowsky. That’s how he concluded his book and that’s how I plan to live my life. For somebody else, the transition may be before 40. For many others, it would be after 40. But anyway, people should set a specific point of their life when they’ll rest like god on the seventh day and admire what they have created.}