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I'm 99 years old, and I've watched two men with the same salary end up with completely different lives. One died with $12 million. The other died broke with $47,000. The difference? 7 simple rules. In this video, I'll share the exact 7 rules that separate people who build lasting wealth from people who stay broke forever—no matter how much money they make. 🎯 THE 7 RULES COVERED: 1. Pay Yourself First (or Pay Everyone Else Forever) → How saving just 25% created $349,000 vs $87,000 in debt 2. Buy Assets That Produce Income (Not Liabilities) → Why a $30,000 duplex became $400,000 while a $50,000 boat became worthless 3. Avoid Permanent Loss of Capital → The math that will save your financial life: if you lose 50%, you need 100% gain to break even 4. Never Leverage Your Primary Residence → How one man owned a $600,000 home free and clear while another lost everything 5. Stay Married to the Same Person → Why divorce is the fastest way to destroy wealth (faster than market crashes) 6. Invest in Learning Over Entertainment → How 3 hours every Saturday for 40 years created $12 million in knowledge 7. Be Patient for Decades, Not Months → Why $500/month for 40 years = $1.7 million (but most people quit after 2 years) 📊 REAL STORIES FEATURED: • John vs Michael (same law school, $12M vs $47K outcome) • Sarah the teacher (retired at 57 with $2.3M on $45K salary) • Carlos the janitor (retired with $900K on $35K salary) • And how I lost everything at 29 with $12.43 to my name 💰 KEY LESSONS: → You don't need a high income to build wealth → The first 10 years of investing only gets you $90K, but the last 10 years gets you $940K → Compound interest works—but only if you're patient for decades → Wealth = Security + Freedom + Peace of Mind (not just money) 🎓 WHO THIS VIDEO IS FOR: ✓ Ages 28-55 (prime wealth-building years) ✓ Professionals making good money but not building wealth ✓ Anyone confused about where to invest ✓ People wondering why others get ahead while they're stuck ✓ Anyone who wants to retire wealthy, not broke 📖 RELATED VIDEOS: • How I Lost Everything at 29 - [Link] • Why First $100K Changes Everything - [Link] • 7 Investment Mistakes That Cost Millions - [Link] 💬 DROP A COMMENT: Tell me your city + which rule you're starting TODAY. I read every comment and make videos answering your questions! 👍 If this video helped you understand wealth building, give it a thumbs up and subscribe for more Charlie Munger wisdom on money, investing, and life. --- 📚 RESOURCES MENTIONED: • Index Funds Explained • Compound Interest Calculator • How to Buy Your First Rental Property • Emergency Fund Guide --- #CharlieMunger #WealthBuilding #MoneyRules #FinancialFreedom #InvestingForBeginners #PersonalFinance #RetirementPlanning #FinancialIndependence #PassiveIncome #CompoundInterest --- DISCLAIMER: This content is for educational purposes only and should not be considered financial advice. Charlie Munger's wisdom is shared for learning, not as specific investment recommendations. Always consult with a qualified financial advisor before making investment decisions.