The best thing to learn from you "never spend money you don't have, never get into overdraft, always try to save some on the side for rainy days" most people forget these rainy days they don't think that honey moon will be over.

I have zero debts, no mortgage, no loans

One man said "be first financially free then go on to become rich". I really like you @leurbanexplorer. You used a very best word "yet yet". Am sure with that spirit you will.
Thanks a lot!