my learned and implemented formula to long term wealth...

start from paying 10% to yourself first. it is definitely a tedious and boring process for a very long term.

and the objective is to increase the percentage at every turn of the year.

slowly but surely, gaining wealth financially and intellectually shall bear sweet returns at the end of the day. ;)

never loose hope, as if running a marathon, take the miles one by one by your own stride and keep on going forward, the challenges gets tougher as you gets farther, but if we held our ground, we shall see the finish line any time soon...

:) cheers!