From the author: With age comes the understanding of this simple everyday truth. The absence of action is also an action. The decision to do nothing (or the decision not to change anything in your life) is also a decision (which leads to the corresponding results). When we make mistakes, we gain experience (in other words, we exchange our wasted effort, time and money for understanding what could not have been done). Without action, we remain in blissful ignorance (we naively think that everything is fine with us - but does this correspond to reality?) I will give a couple of examples from my consulting practice: 1) I am often shocked by clients’ stories about how they started investing (and how much they lost money on this). Some clients lost more money than I earned in my entire life! In private conversations, Forex, PAMM, etc. sellers. “trading and trading” schemes openly admit that their activities are aimed at “taking” money from their clients under various plausible pretexts. This is done either: openly taking money for 1-2 transactions; in longer “civilized” ways, offering trust management schemes, which also lead to a complete loss of money (over a longer period of time); Test question - how much have you already lost of the money you invested? Do you want to stop losing your money? Read on! 2) Our compatriots love to invest in “bricks”, i.e. per square meters, buying real estate (including at the excavation stage). In my opinion, real estate is one of the worst investments, because it gives low income, falls sharply in price during a crisis, and requires constant costs for its maintenance (operation), income from it does not outpace inflation. Add to this list of disadvantages the rising property tax rate. And most importantly, it is low-liquidity, it cannot be quickly sold at a high price (and this is critical if you suddenly urgently need money for urgent needs). Test question - do you know how to invest your money into real estate, removing all the above disadvantages? PS Rest is no less important than work. With age comes an understanding of this simple everyday truth. A good rest allows you to restore your working shape, see new perspectives and goals, and recharge yourself with motivation to move forward. And savor - get pleasure from living your life! You also need to be able to invest in vacation (on vacation, in your health, in your impressions) and receive good dividends! Test question - do you know how to do this, do you know how to have quality rest? PPS Just count how much money you have already irrevocably lost on unsuccessful investments you have made, on inflated commissions of banks and investment companies, on the deception of unscrupulous companies? And how much more of your money will you lose if you continue to go at random, collecting all the mistakes and “rakes” ?I have prepared for you a List of good books on personal finance and investments - see it HERE