make money to make moments memorable, make money to make means
malleable

Get the PDF Those who say that money can't buy you happiness just don't know how to spend it.

But far greater a problem is the excessive spending of money.

That's because most people lack a workable philosophy for spending their money.

To prevent myself from being reckless, I've developed a simple heuristic that I repeat to myself before making a significant spending decision. It's a string of 10 M's:

Make Money to Make Moments Memorable. Make Money to Make Means Malleable


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