The first pot of gold in your life is not for you to exchange for a nice car or buy a good watch to satisfy that pitiful vanity; that's how people at the bottom reward themselves. The first pot of gold in your life is for you to go all in, to exchange for your first core asset in life — [competitiveness]. This process will be painful and will make your standard of living appear worse than those of your peers who look glamorous every month for a long time, but trust me.

In five to ten years at most, the gap between you will be worlds apart. They will still be anxious about their monthly salary, while you have already started thinking about how to make your assets create more passive income for you.