Personal Finance in 3 Brutally Simple Lines

If I had to sum up everything I’ve learned about personal finance after years of trial, error, and way too many YouTube rabbit holes, it would boil down to this:

1. Spend less than you earn.
2. Invest the surplus.
3. Avoid debt.

That’s it.
That’s the whole game.

Everything else — books, blogs, podcasts, and Instagram reels with flashy infographics — is just noise. Entertaining noise, sure. Maybe even motivational. But if you want real financial freedom, stick to these three.

They’re simple, not easy. But they work.

The rest? Just you keeping yourself busy while avoiding the uncomfortable truth:
You already know what to do.

Now go do it.

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Satish Kolluru

Satish Kolluru is a recovering engineer turned audio nerd who’s spent years messing around with music, voiceovers, radio, and the occasional existential crisis. He writes about life’s curveballs, the weird stuff we learn from mistakes, and why everyone’s secretly winging it. If you’ve ever felt lost, loud, or a little too human — you’re in the right place.

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