All that I need to understand & take care are these 12 spokes in my wheel of fortune
Each spoke has its own place and can’t be broken or taken out ?
The wheel can move forward smoothly, only when the spokes are fixed the right way
The roads (markets etc.) can be bumpy & filled with potholes and ditches; but, if my wheel is build strong enough, I’ll have a decent ride to my destination
Check your Wheel Of Fortune
Identify the spokes that need to be fixed
Maintain the wheel, well
Nice easy to understand personal finance