Clay Raterman
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My personal finance starter kit
My personal finance starter kit
My two rules for an abundant life:
  1. Give more than you take
  2. Spend less than you make
Here are some other honorable mentions though:
  • Avoid consumer debt
  • Spend money for knowledge
  • Spend money to keep your time free (time gets more important as you make more money)
  • Avoid paying full cost for anything (and always try to negotiate)
  • Try not to borrow money at all if you can avoid it, but if you do, ONLY borrow money to make money
  • Learn skills that earn money
  • Use the skills to generate one killer income stream that produces you more than your time is worth
  • Use the extra money you make to then buy multiple streams of income
  • Track your finances, it creates awareness
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