How to not be poor: 1) live below your means 2) buy assets with your surplus 3) continue for 20+ years Living below your means is the hard part, all your friends and neighbours spend so much and so it feels weird to have the smaller house or the older car or do a camping trip over a European getaway. But if you don't wanna work until you're 70, sacrifices must be made.

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Not the best long term strategy for humanity though, if that matters to you.
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