5 Money Principles to Apply Before Age 35

1. Spend less than you earn – Always keep your living standards below your income, don’t let your lifestyle "gobble" up your money.

2. Prioritize regular savings – Don't wait until you have extra to save; treat savings as a "mandatory expense" each month.

3. Learn how to invest – Even a small amount is good, as long as it earns a profit. A little profit that is consistent is better than doing nothing.

4. Do not borrow to buy depreciating assets – Only borrow when the money helps you generate income or profit.

5. Know how to say no – Don't spend just to follow the fun or the crowd. However, you should also use money to build healthy and valuable relationships.

Money is not just for spending, but a tool to help you be more free and secure in the future.