PAUL’S VERDICT
Jan 27, 2021
3 minutes
Paul Clitheroe
![moneyau2102_article_032_01_01](https://article-imgs.scribdassets.com/25pxy0t2m88eb9jf/images/fileCMAGPZRC.jpg)
One of my laws of money is the need to generate surplus income. You clearly get this concept. It can be seen in your individual and joint savings, plus a very healthy super balance. I find it really interesting that people get very excited about where to invest and what to invest in, but this is a secondary issue to what is a far more critical, but boring, issue.
Spending less than you earn, not what you invest in, is
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