That's an hour long thread lol...best thing i can help you out with is this...
I swear...lol..gives you some basics. Then the rest is trawling about. I'm more into specifics than the general concept.
"you bust your ass to make all the money you can...thinking it solves shit...and then you realize..when and if you get there at all...you got more problems and you missed out on the one thing you can't buy or get back...your life! Spend time with friends and family...You can be broke in other ways too!...."