Survival Manifesto

The thing that is most overrated and underrated by others is probably the game of equality, free trade and fairness. In reality, greatness begins from humble beginnings. One of the things I learned from *my* mentors is probably the culmination of multiple disciplnes throught what's called "Multiple Mental Models". Any ways you take and slowly acquire latticework of mental models from various people, something Robert Greene touches on in the book "Mastery".

It's about developing luck out of situations that are supposed to 'limit' our potential. In this respect, the idea of getting full respect for your focused trade in the long run is dangerous for you. Just as "saving" and "investing" are not mutually exclusive sets, I would say this means taking 1 shillings to your store out of every 10 shillings you earn. Spend not more than 9 Shillings for every 10 Shillings you earn. In fact, dedicate 20% of what you earn to paying your debts and remaining 10% to your own store. This way your expenses will not exceed 70% of your income. The percentages you choose depends on your circumstances. Just remember the principle of Geometric Progression. For every dollar you save, one day it's going to multiply itself as the value of that currency Goes Up and doubles, triples itself. Some people, including me because I'm just 17 and my expected debts are probably education and passport/ticket etc. So I personally take 1/10 of what I earn and put that to an account I call "Investing" and another 1/10 of what I earn to an account called "Savings" and another 1/10 of what I earn, I put that to "Charity" account. The money I take to save is like 30% of my pocket money. The money in Charity is further divided in percentages. The 40% of this money goes to rural people and sometimes "Other" gender beggars who stop by our house. The majority of the remaining 60% of Charity money goes to buying a book or some sweets as a "gift" for whoever is near me, which is my sister as of now. This is because if someone so close cannot form objective principles on his own, and my sister is only 13, I want to give her a book and some sweets. To me that's Tithing. She has first the right over my money. On the other hand, I would never give this money to my parents. They are self-sufficient and can earn for themselves. When they refuse to give me money, I don't mind because I know probably they are spending it on other trivial expenses, like a Grand Dinner for some relative who doesn't even care about us. Anyways, they spent their money and now they have no right over this percentage of my money. Instead, just keep one rule in mind, never ever stop saving less than 1/10 of your income. 1/10 is the minimum effective dose. You can't go down further than this or your cash flow will plateu, in most cases. An asset is something that generates money for you over a period of time. If it ain't producing money to expense your ongoing expenses and basics, then consider getting a job, Aaliyan. I know Aaliyan you're starting from square one because your parents never made an effort to develop their own principled/disciplined cash flow. But you know getting good grades will not only save you years of wasted effort, but will allow you to escape physical abuse in schools and colleges of Pakistan. No one will come to save you. Not even God. So the best you can do, Aaliyan, is to save money or keep "Paying yourself first". Despite all the time spent on educational institutions, the leverage of your brain, wisdom from books and leverage of a growing portfolio will allow you to develop yourself as an important asset to.... To whom? God doesn't need my money, God doesn't need my grades, God doesn't need my 'assets', God doesn't need my Charity and above all God had enough creations who serve and worship him. So why should I be so religious about things? you know leave those teachers and this dying system to die. They didn't realize the opportunity to nourish us. But we know, it's always Grunt work we do so that later we can marry white looking daughter of a baron? or that girl who wants Gold for jewelry? I cannot accept this. I'm not stretching my ass so that one day I can marry a girl with tons of jewelry? no way. She has to suffer. I know I don't have to care. Why? because you know by now the prestigious and religious people are full of responsibilities. I hate such life. I don't want to recreate what happened to me. I was born and any toys I had as a kid, were destroyed by *other* kids, so there's no point in being religious. Religion exists when people proactively practice it. But this is 21st Century and that implies only money, career and investment into your own self will pay off. No I don't want family. I don't want what I so despised being in since I was kid. Remember the time when you cried? now don't listen to those talking heads to 'smile' and "be positive". It's stupid. No one rewards you for a sport often people label as "positivity". This is a marathon with endlesd truimphs and trials. There's no way I can win this race. I would rather prefer to just get it roughly right and do what Warren Buffet calls "Sit on your ass" investing. Just sit and wait for your intelligent investing efforts pay off. Learn wisely and spend with discipline. Remember, always Geometric progression.