Invest First, Spend Later
Regarding Personal Finance
If you want to save or invest money, it’s difficult to do so after you’ve spent it all on expenses. Your income may vary—sometimes you’ll have more, sometimes less—but the challenge remains.
The best approach is to prioritize saving or investing first. Allocate a fixed portion of your income for savings or investments as soon as you receive it, and then use the remaining amount for your other expenses. Start small, remain consistent, and gradually increase the amount over time.
This is why countless financial advisers emphasize the principle of “pay yourself first”—secure your financial goals before addressing other expenditures.
Regarding Personal Energy
If you want to accomplish something meaningful in a day—like writing an article, reading a book, conducting research, or completing an important task—you should aim to do it first thing in the morning. Tackle it when your energy is high, your mind is fresh, and distractions are minimal.
The same principle as “pay yourself first” applies to your energy. Spend your best energy on your most important tasks early in the day. By doing so, you maximize focus and productivity, avoiding the risks of fatigue or procrastination later on.
