Asklemmy

Find one small thing you can cut out and save that money every week in a savings account.

When the market crashes like it did in 2008 and 2020, take every one of those dollars and put it in stocks, because during a crash, you can often get high value stocks at a huge discount that wouldn't exist in normal market conditions.

Wait 2-3 years for the market recovery and sell that stock at a profit.

Also, don't wait until your 30's to get a set of silk sheets.

If you're happy alone, be alone. You don't have to get married. You don't have to get kids. Those things suck to have if you do not want them in the first place.

"Don't compare yourself to others." Everyone develops at their own pace. This also helps in building a good self-esteem.

Take care of your body. Teeth, bones, joints, muscles, and skin can all be repaired but it's never as good as a factory original.

Also, those repairs cost time and money. My father in law is almost 20 years younger than my dad and can't do as much in a day as my dad. He's shortened his quality life because he thought shrugging off problems was what you should do.

Without a base, without a trace.

Try to care a little less (say 1%) each day about what others think of you. I don't mean be uncivil or degenerate per se but rather try to say yes to yourself more and less to others until you feel there's a better balance. People care way to much about what others think about them at massive cost to themselves and its not healthy or actually even desireable.

The person who is most authentic and self-nourished will always win, sort of an extension to the notion that the person who cares the least has the most power. Relationships come and go but you gotta learn to live with and as you and to chase only what you know in your heart to be correct for you

Money can be exchanged for goods and services

Never loan anyone anything unless you're willing to give it to them, because that could well turn out to be exactly what you're doing.

ETA another one that just came to me, that I've always liked because it's a witty turn of phrase in addition to being useful:

If you're doing something that leads you to wonder if you should have some safety gear (gloves, particle mask, hearing protection, etc.), then the answer is "Yes."