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Aran
See all 48 laws
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Me
Your 2026 goals — saved automatically.
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Speak
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Tamil Practice
YouTubeYour Tamil practice playlist. Watch a lesson, then say it back out loud.
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Guidelines
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This round’s technique
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R, S, TH & SH Articulation
0 of 0 practicedFinance
Frameworks for spending, saving, and earning with intent.
Frameworks
1 guideThe 4 S's of Spending Framework
Where extra money should go once the basics are covered.
Overview
When income goes up, the default is lifestyle inflation: a bigger house, a flashier car, more stuff that costs more to keep. This framework points extra money somewhere better. Use it to upgrade the systems that raise your energy, your earning power, your protection from risk, and the meaning in your life.
Upgrade Your Performance Machine
- Optimize sleep. Don't skimp on mattresses or pillows. Sleep directly affects decision quality and how well your brain works.
- Remove daily bottlenecks. Buy tools or services that cut friction and distractions, like noise-canceling headphones, a trainer, or a better gym, so healthy habits become effortless.
Invest in Recurring Earning Power
- Focus on high-value capabilities. Build durable skills like finance, negotiation, and communication, especially as AI takes over routine tasks.
Ask yourself: "What skill gap is currently costing me the most?"
Set a dedicated learning budget of both time and money.
Protect Capital & Maintain Options
- Build a strong BATNA (Best Alternative to a Negotiated Agreement). Keep 6–9 months of living expenses in cash so you're never forced into a bad deal or stuck in a toxic job out of desperation.
- Hedge against risk. Avoid over-concentrating in single stocks or leaning heavily on debt and leverage.
- Get professional guidance. As your wealth and complexity grow, bring in tax accountants, financial planners, and estate lawyers.
Spend for Emotional Value & Connection
- Invest in relationships. Spend on shared experiences like dinners, trips, and events with the people you love. Long-term health and happiness track closely with relationship quality.
- Fund passions & generosity. Spend on creative hobbies (music, art, sports) and on helping others, even when they bring zero financial return.
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The 48 Laws of Power
From Robert Greene's book. Use the healthy ones; learn to spot the dark ones.