On earning: Never depend on single income. Make invesment to create second source.
On spending: If you buy things you do not need. Soon you will have sell things you need.
On savings: Do not save what is left after spending, but spend what is left after saving.
On taking risk: Never test the depth of river with booth feet.
On investment: Do not put all eggs in one basket.
On expectations: Honestly is very expensive gift. Do not expect it from cheap people.