1. Anybody can become a millionaire on a middle-class income

• You just need to follow the evidence

2. Real estate doesn’t outperform

• But it can work if you use leverage

3. Spending habits are key

• Not income

4. Estate planning

• Is key for wealthier people

5. Negotiation

• Is the easiest way to increase your income quickly
• If you invest that income, it will indirectly be huge

6. Use cash

• Most people spend less money if they need to physically give over an object

7. Be careful with DIY platforms

• Use them properly or not at all

8. Delay your gratification

• Compounding will take care of itself

9. The 4% rule

• How much you can withdraw in retirement

10. Read about human nature

• It is the biggest reason for investment failure