People are made poor by their desire to look rich. In other words, “act your wage”.
Having a college degree doesn’t guarantee you’ll make or save a ton of money. It’s all about real-life experience and knowledge.
Accumulating wealth requires discipline. Automating saving and investing is a “cheat code” to achieve discipline.
It is more important to protect your downside than to chase returns.
The most important part of solving a financial problem is realizing there is one.