Life

These life guides are completely accurate and factual, except when they're not.

Finance

• Money is hard. If you're spending less than you earn, you're already doing great
• Set up automatic savings/investment deposits if you can. The best are the ones you don't even notice, but will still accrue over time (advice from Jim Kloss).
• Recurring payments are the devil. Cull them, and be hawkish about introducing new ones!

Replies you can ignore

• Ones that are deliberately obtuse
• Ones that end with an ellipsis (…)
• Ones written in bad faith

Things that are unquestionably true

• Most rules have exceptions
• You have worth
• You should do no wrong, but take no shit
• You probably will finish that bag of crisps even if you're not hungry

Things you don't have to do

• Beat yourself up over something, rather than learning and moving on (let me know if you learn how)
• Justify your hobbies!
• Respond to demands from strangers in email or social media