on earnings : never depend on single income, make investment to create a second source.
on spending : if you buy thing that you do not need, soon you will have to sell things that you need.
on savings : do not save what is left after spending, but spend what is left after saving.
on taking risk : never test the depth of river with both the feet.
on investment : do not put all your eggs in one basket.
on expectations : honesty is very expensive gift, do not expect it from cheap people.
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