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Yes, adding the key point–how much are you paying yourself makes a tremendous difference. You seem to infer that while one should at least save 10%, one can increase that amount, especially as debts are paid off. Because I notice that when a debt is paid, I am thinking now I have more “free” money to do as I want, because for so long I have be “tied” to paying the debt. Thus, what I am saying there has to be a shift in my thinking relative to associating saving money as some sort of bind, when in actuality it is liberating.Thank you for helping me see that!
A quote I especially like is one that has often attributed to Warren Buffett. Is is something to the effect of: “Rule #1 is don’t lose money. Rule #2 is don’t forget Rule #1”. Basically, if you lose money, it it harder to get it back based on the math. For example: if you have $100 and you lose 20%, you will have $80. Then, to get back up to $100, you will have to increase 25%. Be careful with risks, bottom line.
What should I do when I sense that my manager is culturally biased against me?
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