Leeching off the neighbor's Wi-Fi Paying for the iPhone in installments Splitting beers with friends. Saving hotel mini toiletries like they're gold Going out to dinner with a good friend and splitting the bill Still mooching off your ex's Netflix account Taking office supplies home without getting caught Asking for McDonald's ketchup packets to use at home Knowing exactly when Easter week falls Playing dumb when the bar bill arrives, hoping your friend pays Adding water to the gym shower gel...

When healthy food is available and junk food isn’t, you eat better. When your phone’s in greyscale and you delete social apps, you look at your phone less. When you set up automatic transfers to your savings account, you save more. This is not me. It’s science. It’s not just willpower. It’s not just discipline. Your environment does set the rules. When you set up the scene, you model your willpower. Do you want to do more exercise? Prepare your clothes, your shoes… or create a gym at home…...

People mess up with debt. I mean. Not the same to have debt to buy assets that produce cash flow that assets that eat your cash. Then, a €70.000 car, or $70.000, I don’t mind, bought on instalments is not a means of transportation: it’s a sentence with a steering wheel. It might have 300 horsepower, that new leather smell, and a logo that turns heads at traffic lights, but at the end of the day, it’s still just that: a burden you carry with you everywhere. The perfect symbol of financial...