There’s No Such Thing as “Spare Time”

You have about seventy years on this earth, barring disease or accident. Of that time, you will spend about 1/3 of that time asleep, so you really only get 47 years or so. That's only about 17,167 days, total, for you to use. Now, suppose you're twenty years old right now. You're seven-thousand days old,

Audit Everything

Suppose, for a moment, that you have a friend who can't ever seem to get out of debt. Every month they work overtime, every month they pick up their paychecks and cash them promptly, and every month the debt seems to get bigger. When said friend comes to you for advice, what's the first