❤✈️🌎 2 years ago today @JamesIvings and I sold all our belongings and left the UK to travel for a year. We've never been happier and we have no plans to ever return there 🙂

Thread 👇

If you're feeling down lately, here's a quick test to figure out why:

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💖 Have you met up with your friends IRL this week?

🏋️‍♀️ Have you exercised today or yesterday?

🎨 Are you working on stuff that's meaningful to you?

🤝 Have you helped someone today with something you're good at?

“How long are you going to wait before you demand the best for yourself?” Epictetus

I met her, a couple of Feb 14s earlier, on the way back home. It was post-9pm, the compartment was empty, save one girl.

She was dressed up—dress, heels, lipstick—the whole deal. She quickly wiped her tears when I walked in, switching to looking out, resolutely.

THREAD.

I tried doing nothing for a few stations, but then, restless about all the grief that came off her, took the bench opposite hers, finally.

“All okay?” I asked.

She hesitated. Blinked.

“Valentine’s Day,” she replied, sadly.

“Date didn’t work out?”

“He dumped me!”

2.

I winced. An asshole with no respect for symbology!

She rubbed her nose, looking both sad and angry.

Tired from a day of work, I groped for words. What could I say that would help?

"Maybe if—," I began, but she cut me:
"How many times will this same thing happen to me?"

3.

"Every time I like someone, they turn out to be assholes. I was so happy I wasn't single on Valentines' Day. FINALLY. But this is WORSE! I dressed up so much. And went all this way from home... And he, and he..."

Turns out, I realised, one doesn't need to say much.

4.

All sad people on Valentines' need, is a listening ear.

Till, five stations of ranting later, they ask, "So YOU tell me, WHY should I believe in love?"

Interrogated thus, in a local train corner, I felt... cornered. Why should one believe in love, I wondered?

5.

How to Build Wealth

10-Step Formula to Riches

// Thread //

1. Live like an Undercover Millionaire

Income ≠ Wealth

How to live like an undercover millionaire:

- Spend less than you earn
- Avoid buying fancy clothes
- Avoid buying new & fancy cars

To feel rich, count the things in your life that money can't buy.

2. Always Look Ahead

To build a strong financial future, break down your goals into 3 categories:

- Short term goals (1 to 5 years)
- Mid term goals (5 to 10 years)
- Long term goals (10+ years)

Understand your goals and build a plan of action.

Make your goals a reality.

3. Become the Household CFO

Assign a purpose to every dollar.

How the wealthy budget:

- 529 plans
- Business accounts
- Retirement accounts
- Emergency savings fund
- Joint / Individual accounts

Want to budget stress free?

Automate the process.

4. Pay Yourself First

You might catch the famous Warren Buffet mentioning this phrase during his investment talks.

This means:

- You save/invest
- You pay your bills
- You spend the money that’s leftover

Save and invest first, before you spend money.

It's that easy.