Born into a middle-income family as the youngest sibling, my childhood was shaped by experiences that taught me to grow into a happy teen and, eventually, a responsible and accountable adult.

In my youth, I saw my father working tirelessly to keep our family smiling, even as financial difficulties cast shadows. I distinctly remember overhearing him speak about dwindling resources and the compromises he had to make.

Now, as a father of two grown children, I look back on those moments with a deeper understanding.

My Perspective on Money and Time

I’ve come to live by this mantra: “Money is Never Less, and Time is Never More.”

When someone says they don’t have enough money for a future goal, my advice is simple: Make your money work for you today. Don’t wait for it to grow tomorrow—start building your future with what you have now.

Observations on the Habits of the Wealthy

Over time, I’ve closely studied the habits and mindsets of wealthy individuals.

Here’s what consistently sets them apart:

Resilience and Embracing Setbacks

The wealthy understand that failures and setbacks are part of the journey. They build resilience and develop anti-fragility early on.

Mastering Problem-Solving

They tackle challenges head-on, focusing on solutions instead of avoiding difficulties.

Strategic Planning

Rich individuals set clear, actionable goals and approach them with well-thought-out strategies.

Commitment to Lifelong Learning

They continuously invest in their knowledge and skills, adapting to new challenges and opportunities.

Time as a Non-Renewable Asset

They value time deeply, ensuring every moment aligns with their goals and aspirations.

The Takeaway

To be rich, powerful, and famous, you must act with intention today. Use the resources you have, face challenges with resilience, and constantly invest in yourself.

Most importantly, don’t wait for the “perfect” moment—it rarely comes. Embrace setbacks as stepping stones, sharpen your problem-solving abilities, and make time your most valuable ally.