Hey @williamsyee, thank you for reading :)
I'm really happy that you find this article so relatable to you.

You have a very positive mindset and attitude which is very commendable. And you get what I wrote!
I couldn't agree more on your point #3. With more money, we want more things because we think we can afford it. It goes back to Want vs Need :)

Regarding your Cone of Learning question, I learn and apply. I've decided to remember things by using Jim Kwik's method. Memory + Emotions = Long-term memory. This is my formula, Content + Picture + Emotions = Long-term and I've just started to test this out. So that I don't forget things that matters anymore.