The 10 Rules to Live By

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[pjc]

Great advice as usual, thanks Stefan 😀👍

01. Debt is poison!
02. Cut out stupid expenses
03. Learn to Code!
04. Save at least 20% per year
05. Invest in index funds
06. Do daily micro exercises
07. No sugar, less carbs and eat natural foods as much as possible
08. Aim for a healthy body fat %
09. Drink water
10. Cut toxic people out of your life

[bepd]

I've learned so much from watching all your videos. Thank you for sharing your wisdom for free.

[mikef.]

I'm 35, and it's only been over the past year that I have come to learn how ABSOLUTELY essential each and every one of these points are.
I would only add two things that have also had a massive impact on my life:

- Learn about, and take care of, your mental health (read about it, get therapy, meditate 🧘🏿‍♂️🧘🏾‍♂️)
- Learn to manage your dopamine and serotonin

Those two helped me almost completely eliminate my anxiety and depression (which I didn't even know I was unnecessarily carrying since childhood).

Life is SO much easier now because of these and everything you listed. I even have the energy to pursue learning code 😆

Thanks uncle Stef. These kinds of videos are much appreciated. ✌

[AzbestoN]

Been watching you for a while now and it's today that I realized what I liked about you and your content... You're the Jordan Peterson of coding world. Regardless of political and religious affilitations, I consider that a compliment. Keep up the great work!

[freshrafyz]

I took a time to understand your speaking. Currently learning C# and advanced English.
I enjoy your videos as a perfect shutdown content in the evening.
Waiting for new stuff Stef

[Kidkromechan]

I have lots of student loan and I got other loans but they were for investment. I got scammed for £5000 and that really put a dent in my finances. Also, my girlfriend too almost £5000 in the span of 3 years I was with her. I broke up with her now and only now, I can start thinking about saving money and paying all my loans. It feels like the last 3 years were wasted but I learned a lot from it. I am a programmer and just about to transition into a company after working on my previous one for 3 and a half years doing low code programming. Now, I wanna do pure backend java development with spring because low code is very restrictive on my creativity. Thank you for the advice.

[eghtrading]

Uncle Stef...the real deal! Very few go this far for other human beings.

[DB]

I recently turned 40 and I agree with all of these 1, 000%. You really nailed it. Nice concise, clear and informative video.

[jammincoder]

Can garrentee I'm working to live by every one of these rules. Thanks for sharing your ancient wisdom 🖖

[mrwacks]

This is gold, thank you Stef, more life, and success to you.

[lorikgian]

probably the last one is the hardest to cut)) thank you so much for your content!

[vigilantezack]

Let's see how I'm doing @ 40yrs, family of 5:
1) debt: I refinanced the house and paid off everything last yet. Then we racked up $17k on CC again in 8 months somehow.
2) Stupid expenses: with kids and family come stupid expenses; trips, vacations, xmas toys, entertainment, eating out, household things, clothes. Not a day goes by in the month we aren't swiping a card a dozen times a day.
3) Code: Not much time for learning, but I do enjoy it when I can. I have a huge collection of unread PDFs, audiobooks, courses, etc.
4) Can barely save $100 month, but even if I do that, we end up needing it a couple months later anyway.
5) Invest: I started a Roth 2 years ago, dropping tiny bit each month. I need to start one for wife too since they are individual accounts. Picks a Vanguard retirement fund to put it in.
6) exercises: not much, too busy.
7) Trying to eat good, family dynamics make food pretty random
8) Dieting now, dropped 20lbs so far
9) Drink mostly water, but I like a Monster on the weekdays, and diet soda to curb cravings while dieting.
10) Not that hard to cut toxic people, seems much harder actually finding quality people!

So then, Fail 10 out of 10. And I have to go take my kid to urgent care cause he sprained his knee, there goes the little bit of savings again. ;)

[sitrakaforler]

The food part is really the hardest for me ^^"

[mischiefner]

I would ad 11. Get a good night sleep (as much as possible)..There's a lot of data supporting claims that a good sleeping habits have a great impact on health and performance.

Great video as always Stef, love your content!

[phaedrus]

Thanks Uncle Stef. You had me until the micro-exercise part. LOL! You are the opposite of a toxic person.

[Juan-hgts]

Thanks, excellent advices for a good and long life, I really liked what you said, health is more important than wealth

[MusicMan]

Really good content. I have always been interested in finance, even longer than coding so hearing you make such interesting and great points was just awesome to hear. and ofc learned some new things as well

[AngelCosta]

Oh sweet man, what if I told you that in Brazil the credit card interest rate is 350% per year?
It took me a while, but I paid mine, my husband's and my mom's credit card debts about a few years ago. I could have bought a house or a fancy car with that money.

And you're dead on the stress of debt. It led me to anxiety. But now I am free of that worry.

[sergiucarcea]

Thank you for everything! Greetings from Romania! :)

[JohnDoeX]

As much as I love your tech/coding focused videos, these broad life lesson videos are my favorite. Absolutely golden. I never grew up with a close older male figure to learn from so I have gotten all my knowledge from books, articles and YouTube videos like yours. Thank you