I worked in IT for 20 years. Coding is a young man's game so bank all the cash you can while you can. Now I'm in my mid 40's and teaching English in China. I don't actually need to work, but teaching a class full of teenagers is much more interesting than sitting in a cubicle for 40 hours a week.
Whether you're fundamentally good or bad with money seems to be genetic or something, I don't think you can ever change it.
I've charted my financial situation since 2000. The major trend is that however much I've earnt each year, I always seem to make a budget surplus.
My key revelation was in 2011, when I pretty much stopped buying, er, everything apart from food. I downloaded movies instead of buying them, and watched the TV more. I made each Call of Duty last a whole year till the next one came out. That's the only game I ever bought each year.
Another revelation was in 2016 when I went all in on investing in stocks and reinvesting the dividends. Compound interest is your friend, especially if you're young.
Whether you're fundamentally good or bad with money seems to be genetic or something, I don't think you can ever change it.
I've charted my financial situation since 2000. The major trend is that however much I've earnt each year, I always seem to make a budget surplus.
My key revelation was in 2011, when I pretty much stopped buying, er, everything apart from food. I downloaded movies instead of buying them, and watched the TV more. I made each Call of Duty last a whole year till the next one came out. That's the only game I ever bought each year.
Another revelation was in 2016 when I went all in on investing in stocks and reinvesting the dividends. Compound interest is your friend, especially if you're young.