How I Failed To Be A Money Master (And The Rest Of The Story)

How I Failed To Be A Money Master (And The Rest Of The Story) [Marcin Rzucidlo / Life Puzzle Coach]

“Money is not the most important thing in life. But it comes close second after oxygen.” (Zig Ziglar)

Money is one of the nine Life Puzzle Pieces. You might not like it. You might not care for it. But you must have it. At least as little as you need to live.

There are two kinds of stories. Example stories to follow. And warning stories to avoid.

Today I will share with you how I failed to be a money master.

I simply violated five golden [sic] rules of money mastery.

Money rule #1 – Spend less than you earn or earn more than you spend

Living on credit is not bad as long as you control it and settle it in the mid- or long-term. If you don’t, finally you will end up out of financial breath.

Money rule #2 – Put aside a portion of your income

No one knows what future holds. When you put aside to a safe account say 10% of your income, you will get used to living on the rest.

On top, what is more important, it will give you a sense of security of financial cushion when anything happens.

Money rule #3 – Have a financial plan

Dreams don’t come true. Plans do. You would love to have a million dollars? Great. What is your plan to get it. You need to plan your yearly, monthly, weekly (or even daily) financial activities that will lead you there.

Money rule #4 – Invest wisely

Easy come, easy go? No. No one likes losing anything. And money is a particular category here. It perhaps tops the list of things we don’t like losing.

So, invest wisely so that once you have it, it does not disappear. You will need your money to make use of …

Money rule #5 – Compound over time

“Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it.” (Albert Einstein)

Compounding is the greatest leverage that you can apply. $100*10%*10%*10% is not $130 but $133. Miracle! Once you keep your capital safe and you are patient enough.


These are 5 financial freedom rules that I have violated so far and which I am committed to follow as of now. I make it a public statement so that you can keep me accountable 🙂


There’s one more rule of financial mastery that I actually kept.

This rules states that your financial status and financial freedom is directly linked to your internal value.

Your financial status and financial freedom is directly linked to your internal value. Click To Tweet

The more valuable you are inside, the more value you deliver outside, the more you will receive in return.

The more you know, the more you can do, the more you are as a person, the more valuable you are to others. You can help them more. And then they will pay [sic!] gratitude to you.

Invest in yourself. Treat yourself as an asset. Apply the 5 money rules to your internal value as well:

  1. Earn more than you spend = Never stop learning. Always learn more than you need any day.
  2. Put aside a portion of your income = Keep learning so that you develop your internal value capital that you will be able to use whenever and whatever happens.
  3. Have a financial plan = Have a plan of how you will build your internal value. What experience, knowledge, habits and skills do you need?
  4. Invest wisely = Know what exactly you want to learn and know where you can find it, so that you manage your resources of energy, attention and time wisely.
  5. Compound over time = Know that your experience, habits and skills stack up on top of one another. They do not sum, they multiply.

So, if you want to start building your financial freedom (or improve the one you have now), start with yourself, then follow the rules.

– Marcin

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