1 · The purchase

Price

How often

Years

Yearly return if invested

Long-run stock index averages have been around 7–10% a year before inflation. Not a promise.

Your hour is worth

Currency

2 · The Rich Dad test: asset or liability?

Robert Kiyosaki's rule: an asset puts money in your pocket, a liability takes money out.

It earns money or saves more than it costsRent, dividends, a tool that pays for itself.

It will likely be worth more laterNot a phone, not a car.

I'd still buy it if nobody could see itNo status tax.

Verdict: liability

3 · Buffett's version

Warren Buffett still lives in the Omaha house he bought in 1958. Frugal isn't cheap — it's refusing to pay the future cost of things you won't remember owning.

Illustration only. Returns are not guaranteed; past performance ≠ future results. Not financial advice.

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