10 things I wish I had known – or let’s say implemented 10 years ago. Save and invest as quickly as possible. Don’t try to impress people who you don't even know with a nice BMW or other pointless stuff that is not an asset–or even worse, depreciates like crazy. Spend how the rich really spend (which helped them get there) by spending on assets and not liabilities. Many of us do need a car. Buy a used one that doesn’t cost much and won’t depreciate much more if you need to sell it. Be very scared about your "investment" if it's in a bubble. First there were tech stocks that were the future. Most were worthless. Then houses were great. Those crashed. Then it was weed, bitcoin, blockchain. Then Tesla. Now this Space Galactic company (whatever it's called). You can make money from a bubble. Even a lot of it. But if something you own is worth $X billion and they aren't going to be producing at least 10% of that value in profit within a few years–or even worse if they're doing a fraction of that 10% number in revenue–look out. It's not fun to be left holding the bag. Know what gives something value. It's not just hype. What gives a stock value (earnings) is different from what gives a currency value (do people use it for transactions or to store wealth).Watch out for fees. When you let everybody in your bank account to nickel and dime you with $5 here, $20 there, etc., it’s death by a 1,000 cuts. Also pay close attention to what your broker is charging you. The small fees and interest costs add up.Don’t try to market time. It’s a waste of time and won’t work. Give up, or dramatically reduce, things that make you unproductive. This includes alcohol and other things that are expensive, not good for you, and make you less productive or the opposite of productive. Watch out for lifestyle more generally, including exercise. It directly and indirectly helps with spending and lifestyle choices. Re-balance a portfolio only when it is rationally to do so, when there are clear winner and losers, in other words one component is performing much better than the other. Read the academic literature on investing inside and out. Yes, even the boring work. Learn about diversifying, the benefit of owning not only stocks, but bonds, cash, metals/commodities. What’s the right mix? How much leverage should you use and what’s your cost? Do not believe a lot of the media entertainment out there, such as CNBC and Bloomberg. They just want you to watch so they get more ad revenue. Do they actually make you money or is it just pointless infotainment that wastes time?Have a globally diversified portfolio of equities and bonds and small amounts of cash and metals, following #6. Also consider real estate.Even though the main focus should be on spending habits and not income, have multiple income streams. Be long-term focused. Investing is brick by brick. If Warren Buffett “only” got 20% per year, you probably won’t be able to do better. For perspective, he also wasn't even worth $100 million by the time he was 50. Most people know some off these 10 (er, 11), and a few people know all of these, but implementing plans and keeping to them is most difficult.