Great post! Fully agree with your post. Even so, when not only tracking net worth but also bit more details what you spend on various categories, it is much easier to not overspend and also it'll give you insights into where a lot of money is wasted, hence where you can save money. More money saved means more money to invest. Invest in long term things, like pension, saving account, but also in little more risky but also more rewarding investments like crowd funding (don't just invest in anything that sounds nice but really research the company; go for loans which are converted into equity at some point; preferably those loans for which tou can choice to be turned into equity to allow you to convert those loans for which equity makes sense and profits in the longer run).