Why reduced spending is the most significant change you can make

If you read along in my previous posts you’d know that I advocate:

  • Spend less than you earn
  • Invest the difference

This is very simply put what you need to do. Taking it one step further – in order to maximize progress, you’ll need to:

  • Cut spending as much as you can while still enjoying life
  • Increase salary as much as you can or get additional sources of income
  • Invest in a way that earns you the best possible investment return

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