1. "Do not spend what remains after saving, but save what remains after spending" – Warren Buffett
- Create a strict budget and follow the 50-30-20 rule:
- 50% for necessities (Rent, Bills, Food).
- 30% for wants (Entertainment, Travel).
- 20% for savings or debt repayment.
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### 2. "Save and what you saved will save you" – Benjamin Franklin
- Create an emergency fund covering 3–6 months of your expenses, to face crises without borrowing.
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### 3. "Live today as no one lives, to live tomorrow as no one can" – Dave Ramsey
- Avoid unnecessary debt, especially with high interest (like credit cards).
- Focus on paying off old debts before taking on new ones.
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### 4. "The best investment is in yourself" – Warren Buffett
- Develop your skills to increase your income (Courses, Reading, Side Projects).
- Financial knowledge is your strongest weapon for making smart decisions.
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### 5. "A journey of a thousand miles begins with a single step" – Lao Tzu
- Start saving even if in small amounts (like 10% of your salary).
- Consistency is more important than perfection.
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### 6. "Do not care about what others possess, but care about the virtue that you lack" – Confucius
- Do not compare yourself to others; focus on your own financial goals.
- True wealth is satisfaction and contentment.
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### 7. "The greatest lesson in money is: stop when it is enough" – John Rockefeller
- Avoid greed and uncalculated risks in investing.
- Balancing risk and returns is the secret to success.
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### 8. "The essence of wealth is not in possessing it, but in using it" – Aristotle
- Donate as much as you can; giving brings blessings and strengthens human relationships.
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Financial wisdom is not just numbers, but a way of life. As Socrates said: "Wealth does not create virtue, but virtue creates wealth". Start today with small steps, and you will see big results over time. 🌱