On Earning: Never depend on Single income Make investment to create a Second Source.
On Spending: If you buy things you do need, Soon You will have to sell things you need.
On Savings: Do not save what is left after spending, but spend what is left after saving.
On Taking Risks: Never trust the depth of river with both the feet.
On Investment: Don not put all eggs in one basket.
On Expectations: Honesty is very expensive gift. Do not expect it from cheap People.