Rule 20 of 22 · Chapter V — On the Long Run
Spend on experiences and tools
Why this rule exists
Stuff mostly fades into the background of a life; experiences and good tools don't. A trip, a shared meal, a skill learned stays with you and keeps giving. And a tool you use every day quietly shapes how that day feels. I've noticed I never remember the gadget I bought to impress, only the ones that made real work lighter.
In practice
Spend freely on the things you'll use daily and the experiences you'll carry: the good chair, the sharp knife, the trip with people you love. Buy the cheap version of what you rarely touch. When unsure, ask whether this becomes a memory or a skill. I try to spend where the value compounds.
When it doesn't apply
This assumes the money is there to spend, and dressing up every purchase as an 'experience' is its own quiet trap. Debt for a memory can outlast the memory. Spend on what lasts, but only what you actually have.