•Control extravagance: Distinguish between needs and luxuries, save a part of income, and avoid unnecessary spending to prevent debt.
•Invest wisely: Money must 'flow' to grow; invest in the right places and earn through hard work and honesty, as ill-gotten wealth doesn't last.
•Work hard: Laziness is the greatest enemy; rely on effort, not just luck, to overcome difficulties and create opportunities for success.
•Choose good company: Surround yourself with goal-oriented, progressive individuals; avoid those who waste time or have bad habits, as company shapes your future.
