1. Everyone has different attitudes towards money
2. Don't underestimate the importance of luck 3. Learn to say "this is enough" 4. Appreciate the magic of compounding 5. Save as much as you can 6. Focus on not screwing up 7. Use money to buy freedom 8. Getting wealthy is different to staying wealthy 9. Don't be a flashy twat 10. Leave room for error 11. Avoid financial commitments for your future self 12. Be reasonable rather than rational