Here are some of the most liked comments for personal finance:

1. Most money issues have less to do with saving and investing money, and more to do with your mindset, your lack of patience and discipline, and your poor financial behavior and literacy. Too many people focus on what’s shiny rather than actually thinking long-term.
2. If the housing prices where you live are too expensive and keep you from saving/investing money for the long term, you need to move and reduce your expenses.
3. You should be able to enjoy your money. Once you have built strong financial habits and your saving/investing 20%+ on a monthly basis, you should take the vacation or buy the car you have been wanting (as long as you are able to pay with cash and still hit savings targets/sufficient emergency fund). Some focus too much on minimalism that they forget to enjoy life in the process. No one is guaranteed tomorrow!
4. The most important financial decisions you make is who you marry and building wealth over the long term.
5. Debt, taxes and excess spending destroy wealth. 
6. You should spend less money than you earn.  Living within your means is crucial for financial freedom. Avoid debt by spending only what you’ve already earned, and prioritize saving and investing. This mindset promotes discipline, reduces stress, and sets you on a path to a financially secure and prosperous future.
7. You should have an emergency fund for the unexpected expenses that will arise.  
8. Utility bills are debt and a liability. Treat them that way. Get an asset to pay them.
9. Don’t focus all your time, talent and treasure on investing by sacrificing living. There’s a lot more to invest in than finances. Be smart and plan for your future, learn from the past, and enjoy today. The most valuable asset you have is your time and your health, The only time that is guaranteed was yesterday. And, your health is an essential aspect of wealth.
10. Patience is essential when investing in order to build long-term wealth. Markets are volatile in the short term, but staying the course and maintaining a disciplined approach will often lead to the power of compounding returns and greater rewards. Trust the process and watch your wealth grow.

The rich and the wealthy have different mindsets regarding building wealth. The rich and others think about how to make money, while the wealthy think about how to keep it and managing risk.