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20 ideas that will change the way you spend your money forever!💀💰

At some point, life will teach us to let go of the things we can find - "money, fame, position, fortune, treasure, etc."

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Because "dead can't take anything." ðŸĪ·ðŸŧ‍♂ïļ

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"Life is like a roller coaster where we only have one chance."

It doesn't matter how much money we have. The key question remains the same, "How can we make the most of our available life force before we die?" ðŸŽĒ

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Here are 20 thoughts from Die with Zero, Die at 0 from WeLearn Publishing, a book that didn't teach us to work, save money, and then go after retirement. ðŸ‘īðŸŧ

1. Spend money on experiences, not things - Possession of objects excites us only in the early days, while pleasure from experience is always valuable, even after how much time has passed.

2. Investing in experience is always worth it. Because it is the only thing left at the end of your life. ðŸ“ļ

3. The money you earn, you exchange it with your life force, the money you pay out, you pay it with your life force.

4. When you exchange money or time for experience, you get not only experience, but also a dividend in the form of "memories" that can be remembered many times later, at any time.

5. If you are young and do not have much money, search for experiences that spend little or free money. There are many experiences that are free or almost no money, but most people do not take advantage of it.

6. It is easy to live in Auto Pilot mode, but to live life as fun and rewarding as possible. You must be the steering man of your own life. ✈ïļ

7. There are a lot of people who keep working for money, not because they like it, but because they can't stop. The more "money" is accepted by society, the easier it is for us to get obsessed with it. 💰

8. The older the age, the fewer the needs of life. If you do not rush out to experience it, you will end up dying with a lot of money left.

9. You must have a clear financial goal of what you want a financial adviser to help you with. The clearer your financial goal, the more you get a financial plan that matches your mind.

10.Death and deteriorating health is inevitable - being aware of death will help us realize how we will live the rest of our lives, and it will also make it easier for us to plan financially and rebalance our lives. 💀

11. If you wait for yourself to die and then bequeath it to your children, you don't care who your money goes to, how much you care about, when you get it.

12. If you do not raise money to meet basic needs, you can take a break from work.

13. Giving money to a charity is no word too soon; the sooner you donate money to a charity, the sooner more people benefit from it.

14.Health is the determinant of how happy you will be - invest in health early, even if your health is now undisputed. Because the better your level of health, the higher your level of happiness in life. 🏃‍♂ïļ

15. Saving too little money is making yourself difficult in the future. Saving too much money is throwing away life experiences that we can't find again.

16. No one feels sorry for working too little.

17. We are temporary tourists in the world - when we leave, we plan our trips to make the most of our time. Why not try to plan our lives like tourism?

18. Spending money on something you love is not difficult. You just need to consider carefully what you want to spend money on. ðŸĪ”

19. The more time passes, the less value money becomes to you, and at one point it is hardly worth anything.

20. Risking always causes positive feelings when you think about it. No matter what the outcome, ðŸŽē

This is also part of the book Die with Zero.

How's it going? Do you agree with the 0 death concept?

To say, there are many other aspects of this idea to explore.

Dying at zero may not always be scary. What is really scary is dying before zero. How can we die with exactly 0 left? This book has the answer. âœĻ

.

If you like self-improvement books, spirituality,

Please follow the readroamrepeat channel.

There will be a lot of good books to introduce.

# Big money story

# Self-improvement book

# Favorite book

# Financial book

# Good ideas

2024/12/5 Edited to

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A book titled 'The Psychology of Money' by Morgan Housel is displayed on a white textured surface, with text overlay '20 money lessons that will change how you see money'.
A list of five money lessons (1-5) titled 'THE FOUNDATION OF WEALTH MINDSET' is presented over a partial view of the book 'The Psychology of Money'.
A list of five money lessons (6-10) titled 'MASTERING THE EMOTIONAL SIDE OF MONEY' is presented over a partial view of the book 'The Psychology of Money'.
Master Your Money Mindset With These 20 Lessons
Most people don’t struggle with money because they’re lazyâ€Ķ They struggle because no one taught them how to manage it. The truth about building wealth: It’s 80% mindset, 20% strategy. These 20 lessons from The Psychology of Money will completely shift how you think about saving, spending,
Mari ðŸĶ‹

Mari ðŸĶ‹

96 likes

Tips to manage money in your twenties ðŸ’ļðŸŦķðŸŧ
Money and personal finance can be overwhelming when you’re young and on your own! Here are some tips based on my experience being in my late 20’s now! âĪïļmake sure rent/mortage isn’t outrageous âĪïļcreate a budget âĪïļget a credit card but pay it off monthly âĪïļmake sure to pay off your debt. Th
Kylie ðŸ’ļðŸŦķðŸŧ

Kylie ðŸ’ļðŸŦķðŸŧ

297 likes

A pie chart visually explains the 50/30/20 budgeting rule, allocating 50% to needs, 30% to wants, and 20% to savings, investments, and debt payoff. The chart is titled 'The 50/30/20 Rule of Budgeting'.
Handwritten notes on lined paper explain the 50/30/20 budgeting method, detailing examples for needs (groceries, rent), wants (dining out, vacation), and debt recovery (student loans, credit cards). Pens are visible at the bottom.
Handwritten notes on lined paper show a personal breakdown of the 50/30/20 budgeting method, listing specific expenses for needs (rent, car insurance) and debt (credit cards) for August, with calculations.
The 50/30/20 budget explainedðŸ’Ą
This is literally a game changer I promise! If you swipe it will show my very own breakdown and a little explanation in writing (: Explaination: The 50-30-20 rule recommends putting 50% of your money toward needs, 30% toward wants, and 20% toward savings. The savings category also includes mon
justMichaela

justMichaela

250 likes

Spend Smarter,Save More!
Spend smarter. Save more. Stress less Most people don't have a money problem...They have a spending habit problem. The small choices you make every day are either building your future - or draining it. Here are a few habits that changed my finances: Stop impulse buying Automate savings V
Cash flow Blueprint

Cash flow Blueprint

1 like

How I manage my money in my 20s
The girlies might think these are controversy but these are things I do every month that makes sense to me! I have managed to keep a high credit score, never miss a bill and have a positive relationship with my credit cards. Using this tips made a big difference in my financial life 💖 #
JaliyahKreation

JaliyahKreation

128 likes

A hand with manicured nails holds a thick stack of US hundred-dollar bills on a fluffy white surface. Overlay text reads "8 THINGS i STOPPED DOING AND BUYING To manage my finances accurately" with a "SWIPE" indicator.
A stack of US hundred-dollar bills rests on a white quilted blanket next to a silver laptop. Overlay text describes earning free gift cards to reduce spending on necessities.
A stack of US hundred-dollar bills rests on a white quilted blanket next to a silver laptop. Overlay text discusses cutting cable and streaming services to save money monthly.
8 Simple Ways I Cut Spending & Gained Control 💰
LISTEN UP ðŸ‘‚ðŸ― Becoming financially responsible doesn’t have to be overwhelming. It’s about making small changes that add up over time. By cutting unnecessary expenses like subscriptions you rarely use, or skipping that casual drink out, you can save more than you think. Cooking at home instead of
Lakenya Hale

Lakenya Hale

915 likes

A laptop sits on a lounge chair by a pool, with text overlay "THE 50/20/30 RULE" and "THE BASIC BUDGET TO LIVE, SPEND, & SAVE," illustrating a relaxed approach to financial planning.
A pie chart visually breaks down the 50/20/30 budget rule: 50% for Expenses, 30% for Spending, and 20% for Savings, emphasizing that essential expenses should not exceed 50% of income.
Text advises reanalyzing expenses if they exceed 50% of income, listing categories like place of living, car, utilities, groceries, subscriptions, debt, and personal maintenance.
THE 50/20/30 RULE: THE BASIC BUDGET
As a 23 year old post grad, I have a lot of expenses! With money constantly coming in and out of my account, I needed to know where all of my money was going. I started following the 50/20/30 budgeting rule, and it has made such a positive impact on my finances! In an excel sheet, I add up all o
Peyton’s Place

Peyton’s Place

2273 likes

A dark-toned image shows numerous stacks and piles of US dollar bills, including $20, $50, and $100 denominations. Overlay text reads 'How to Manage Your Money,' emphasizing financial management.
This image outlines financial management steps: 'Assess Your Starting Point' with a person on a laptop, 'Set Clear Financial Goals' with a laptop and money, 'Create a Realistic Budget' with a calculator and planner, and 'Reduce Unnecessary Expenses' with a hand holding a tablet.
This image continues financial management tips: 'Increase Your Income' with a person throwing money and Shopify notifications, 'Build an Emergency Fund,' 'Pay Down Debt Strategically' with stacks of money, and 'Invest for the Future' featuring 'The Psychology of Money' book.
How to Manage Your Money in 2025 ðŸ’ļâœĻ
What if 2025 could be the year you finally take control of your finances and build the life you’ve always dreamed of? Whether you’re starting from scratch or looking to level up, these money management tips will guide you every step of the way. 🌟 âœĻ Here’s Your Money-Management Game Plan: 1ïļâƒĢ
Kylie Curated | Everyday Finds

Kylie Curated | Everyday Finds

5764 likes

A hand holds US dollar bills in a wallet, with the title 'HOW I MANAGE MONEY in my 20's' overlaid. The image features a textured background and a thumbs-up icon.
A hand holds dollar bills, illustrating the tip 'Invest In Yourself'. Overlaid text explains spending on skills, education, and experiences for long-term success and more money.
A cloudy sky and mountain landscape with text boxes detailing the money management tip 'Use Cash Back + Store Rewards', explaining earning money on everyday purchases.
How I Manage Money In My Twenties
Here are some tips on how I manage money in my twentiesâ€Ķ 😃 I Invest in myself. I spend on skills, education, and experiences that will help me grow professionally and personally, laying the foundation for long-term success, and eventually more money. ðŸ’ĩ I use cash back and rewards for EVERYTHI
Tyler

Tyler

174 likes

A person in an open-top vehicle looking up, with the title '40 money habits that can make a huge difference in your finances' overlaid. The image includes the Lemon8 logo and user handle.
A list of financial habits from 1 to 20, including creating a budget, saving, investing, and avoiding impulse buys. The text is displayed over an indoor background with the Lemon8 logo.
A list of financial habits from 21 to 40, covering budgeting apps, self-investment, passive income, and general investing. The text is displayed over an indoor background with the Lemon8 logo.
40 MONEY HABITS THAT Makes DIFFERENCE IN finance
Hey everyone! 😊 Welcome back to another fantastic post! I’m so excited to share some amazing habits with you that I truly believe can make a big difference in your lives. I encourage you to give them a try and see how they work for you—don’t overlook their potential! They’ve had a wonderful impact
Inashwealth

Inashwealth

1810 likes

40 money habits ðŸ’ļðŸ’ļðŸ’ļ
Want to take control of your money in 2025? Start with these 40 powerful habits. Save smarter, spend better, and build real wealth — swipe to begin your financial glow-up! Ready to level up your finances?? #money #financejourney #moneymaking #moneysavingtips #financebabe
Officialbri Financebabe

Officialbri Financebabe

632 likes

A person's hands, with dark nail polish and rings, write in a spiral notebook with a pen. The image features the title '15 WEEKLY HABITS that will change your life' on a pink background, with the Lemon8 logo and username '@healthy._101' at the bottom.
15 Things To Start Doing For A Better Life
1. Spend more time outdoors. Even if it's freezing cold, don't let too much time go by without spending a few minutes outside. It's refreshing and makes you feel good. Plus, the air inside is awful. Spending time outdoors will also give you fresh ideas and solutions for your personal
healthy101

healthy101

847 likes

Finance Rules For Your 20s💰
Financial stability in your 20s lays the foundation for a secure future. Here are some essential financial rules to follow: Live Below Your Means: Resist the temptation to spend excessively, even if your income increases. Prioritize saving and investing over lifestyle inflation. Invest Wise
₊˚âŠđâ™ĄðŒ‹ðŒ‰ðŒðŒƒðŒ” ₊˚âŠđ♡

₊˚âŠđâ™ĄðŒ‹ðŒ‰ðŒðŒƒðŒ” ₊˚âŠđ♡

44 likes

5 Money Tips That’ll Make You Rethink SpendingâœĻðŸ’ļ
Time to get real about money. These aren’t just ‘spend less’ tips—they’re the kind of mindset shifts that make you see your money differently. Think of each dollar as a tool to build the life you actually want, not just quick fixes and impulse buys. Ready to rethink your spending habits
Mari ðŸĶ‹

Mari ðŸĶ‹

358 likes

CNARCðŸŽķ🌞⛅ïļðŸŒŸðŸ§ĄðŸĶ‹

CNARCðŸŽķ🌞⛅ïļðŸŒŸðŸ§ĄðŸĶ‹

8 likes

Save Smarter, Stress Less 💰 Budget Tips That Work
Tired of feeling broke? Learn practical money-saving tips to stretch your dollars and build financial peace. From budgeting hacks to mindful spending, these easy changes can help you take control of your finances and start saving fast. #MoneyTips #SaveMoney #BudgetHacks #FrugalLiving #
NeeNee💖

NeeNee💖

4088 likes

A person in a plaid dress and white shirt takes a mirror selfie, holding a phone. The text overlay reads "BUDGET HACKS I've used since 16" in pink and white. The background shows a living room and kitchen.
An open book with a pink bookmark lies on a green surface. Overlay text lists budget hacks 1-5: Keep living expenses at 50%, Spend on skill-building, Learn financial planning, Gallon water jugs, Shop at Asian grocery stores.
A traditional straw broom with a blue and red handle rests on a light wooden floor. Overlay text lists budget hacks 6-10: Shop at Latin grocery stores, Meal prep, No fast foods, Buy solid wood furniture second hand, Thrift quality clothing.
How to stop living paycheck to paycheck 💰
I’ve been working since I was 16, and even back then I knew deep down that I wasn’t going to do this forever. My goal is to retire at 40. To make that happen, I focus on maximizing my income while keeping expenses low. Here are 20 practical hacks I’ve used over the years to enjoy each day while bui
Jau ðŸĪŽ

Jau ðŸĪŽ

84 likes

A hand with long pink nails holds a cocktail glass garnished with a lemon peel. Text overlay reads 'IF YOU ARE IN YOUR 20-30's OPEN THIS'. The Lemon8 logo and username are at the bottom.
A pink background displays tips 1-6 for people in their 20s-30s, including developing sleep and morning routines, avoiding dating while life is chaotic, resisting cheap dopamine, working out, and taking cold showers.
A pink background displays tips 7-11 for people in their 20s-30s, focusing on making internet income, taking responsibility, investing in wardrobe and social skills, befriending nature, and hanging out with ambitious people.
Actual helpful tips 4 this ghetto called your 20s!
#tipsfor20s #adviceforyour20s #girlsintheir20s #fypシ #adultlife
Tiera Nicole

Tiera Nicole

1237 likes

This is your sign to stop wasting money!
Save this post for later! I know I know. You REALLLLLY want that new pair of shoes or the next trending Stanley cup. But over spending and throwing money away on trends is keeping you broke!!! Here are 3 strategies to STOP overspending and help you get your finances in order to achieve your f
Annelisa

Annelisa

1049 likes

MONEY RULES I LIVE BY ðŸ’ļ
Hi loves! ðŸŦķ🏞 As a college student, my goal is to eventually be financially free, so I am always looking for extra tips in ways to make that happen eventually! These are a couple of tips that I have found and absolutely love and that I have already started doing it and have seen great outcome
cailastevensss

cailastevensss

1805 likes

The image displays stacks of US dollar bills on a dark background with red floral accents, serving as a title slide for "MONEY GOALS FOR YOUR 20'S AND 30'S." The Lemon8 logo and username are visible at the bottom.
This image outlines five money goals for your 20s and 30s: building an emergency fund, investing 15% for retirement, paying off consumer debt, buying real estate, and saving cash for large purchases, each with a descriptive icon.
The image asks "HELPFUL?" and encourages viewers to "LIKE, COMMENT, SAVE, AND SHARE WITH A FRIEND FOR MORE HELPFUL TIPS AND ADVICE." It includes a pink logo for InHerGleaux and Lemon8 usernames.
Money goals for your 20’s and 30’s
#lemon8partner #Lemon8Diary #personalfinance #MoneyTips #moneyhacks #moneymindset #moneymanagement #financialfreedom #financialtips
Lizzy Reaux

Lizzy Reaux

174 likes

budget Your money
#MoneyTips #budgetingforbeginners
Capitalguide

Capitalguide

469 likes

The Best Financial Decisions To Make In Your 20s
@Welcome Baddies 1. Start investing in your retirement account from your first paycheck - Open a retirement account like a 401(k) or IRA as soon as you start earning income - Contribute a portion of each paycheck, even if it's a small amount initially - Take advantage of compound interes
Welcome Baddies

Welcome Baddies

584 likes

How to Actually Get Good With Money
Let’s be honest—most of us never got a step-by-step guide on how to actually get good with money. We just kept hearing “save more,” “stop spending,” and “invest early” like that was enough. But what does that even look like in real life? So instead of just listing habits, I broke down the ac
Mari ðŸĶ‹

Mari ðŸĶ‹

1513 likes

A desk scene with a laptop, an open book, and a bowl of berries, overlaid with the title "The 70/20/10 Budgeting Rule Explained" in green and yellow text, with yellow decorative elements.
A digital spreadsheet showing a budget breakdown: 70% for Needs ($3,500), 20% for Wants ($1,000), and 10% for Savings ($500). Text below explains "STEP 1: 70% FOR NECESSITIES" and its allocation for essentials.
A pie chart titled "Monthly Budget" illustrating the 70/20/10 rule: 70% Needs ($3,500), 20% Wants ($1,000), and 10% Savings ($500). Text below explains "STEP 2: 10% FOR SAVINGS" for various financial goals.
Budgeting.. 70/20/10 Rule
The 70/20/10 budgeting rule is a simple way to manage your money. I allocate 70% for necessities, 10% for savings, and 20% for fun and debt to keep my finances balanced. This method helps me cover expenses while still saving and enjoying life. Swipe to learn how to make it work for you! 🌟 #lemon8
Kevin’s Templates

Kevin’s Templates

28 likes

How to create a budget that actually works
This Method works for me every time! Step by step on how to build a budget to get your bag! Don’t waste anymore time or money trying to figure out why it’s not working, it’s simple! #budget money 💰 #budgets #save your money #embracevulnerability #unfiltered
Skyleigh sroka

Skyleigh sroka

1598 likes

3 Things to Do in Your 20s - Money Edition
The earlier you can get good with money, the better. If you start to learn in your 20s, you’ll only be helping your future self. Here are three things that I did in my early 20s to help propel my finances: - Paid off my car: I paid off my car early and then didn’t buy a new one right afterward
Money with Kait

Money with Kait

101 likes

A modern living room with a sofa and coffee tables, overlaid with text "2025 budgeting RULES THAT Actually work forgot THE 50/30/20" and a "Swipe" prompt, indicating a financial advice post.
A modern living room scene with text introducing "New Money Rules That Work in 2025," detailing the "70/20/10 Rule" for needs, savings, and investing or skill-building.
A modern living room scene with text explaining the second money rule: "Automate Everything" by setting up auto-transfers for bills, savings, and investments.
2025 budgeting
The 50/30/20 rule doesn’t work for most people in 2025—and that’s OK. Inflation, lifestyle shifts, and the rise of digital income call for new money rules that actually fit real life. I’m breaking down what works now (and what to stop following). Save this post and comment ‘NEW RULES’ for the full
Tamika

Tamika

55 likes

A laptop displaying a spreadsheet, with text overlayed saying "how to manage your money for free." A plant sits next to the laptop, with a window showing bare trees in the background.
The Google Sheets logo and text explaining how it's a free, customizable way to manage money. Below, a table shows columns for Total Spending, Total Income, Cash Flow, and Savings with example data.
Text explaining the 50/30/20 budgeting rule: 50% for Needs, 30% for Wants, and 20% for Savings. A pie chart visually represents these percentages.
FREE ways to manage your moneyðŸ’ļ💰ðŸĪ‘
let's talk about #personalfinance !! financials were something i personally struggled with up until recently.. but it doesent have to be so hard! having access to even just your bank account and a piece of paper is a great start! in this post, i talk about a few ways to manage your mon
Multifunctional Co.

Multifunctional Co.

1295 likes

A pink calculator and an open budget planner with a pen, showing a biweekly budget. Overlays read 'How To' and '#PaycheckBudget', indicating a guide to budgeting.
A biweekly paycheck budget example showing a $1,000 paycheck breakdown into categories like rent, bills, groceries, gas, fun/spending, and savings, with a calculator in the background.
A monthly budget snapshot based on two paychecks, totaling $2,000, with doubled amounts for rent, bills, groceries, gas, fun/spending, and savings, emphasizing consistency.
The Paycheck Plan That Built My Savings ðŸ’ļ
Let me be clear-this isn’t the budget. It’s an example of what a budget can look like when you actually give your money a job. I used to think budgeting meant I had to restrict myself, say no to everything fun, and obsess over spreadsheets. But once I realized it’s just a system, a plan I build
Mari ðŸĶ‹

Mari ðŸĶ‹

3312 likes

The image displays a laptop with white headphones and an iced coffee on a table. Overlayed text in pink and white reads "19 MONEY RULES EVERYONE SHOULD LEARN BY 25 $", with a money bag and lightbulb icon. A "Swipe" arrow is at the bottom right.
This slide presents the first two money rules: "1. Pay yourself first" by automating savings, and "2. Keep a 6-month emergency fund," with variations based on income streams or starting out. A "Swipe" arrow is at the bottom right.
This slide details money rules 3 and 4. Rule 3 suggests budgeting using the 50/30/20 rule for needs, wants, and saving/investing. Rule 4 advises dividing bonuses into thirds for fun, retirement, and debt paydown. A "Swipe" arrow is at the bottom right.
Money rules to learn by 25
Absolutely! Learning key money rules by age 25 can set you up for financial success and stability in the long run. It's the perfect time to lay a solid foundation for your financial future. Let's dive into some essential money rules: 1. **Live Within Your Means**: This is fundamental. Sp
Lizzy Reaux

Lizzy Reaux

6726 likes

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