Completely stopped following any mainstream personal finance advice. No budget or savings account. No 401(k), IRA, etc. Spent money on friends and experiences. Threw it into assets I had a gut feeling about or smart people vouched for. All came back tenfold. Worked for me.
Replying to @thedulab
Dave Ramsey will be furious lmao 
2:44 PM - 24 Dec 2020
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