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And on this journey, four life-changing ideas about money have guided me.

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According to Sethi, these four ideas can changehow you view and build wealth.

Many people believe they need to become an expert before investing but thats the wrong mindset.

Because 85% is way better than 0%.

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Do you have to wear a Rolex and drive a Lamborghini?

No, Sethi wrote.

A rich life isnt only about accumulating money.

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The point of a rich life is not to hoard.

Its to decide your rich life and then use money to fuel it.

But to live a rich life, you must understand what rich means to you personally.

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Dont spend money on lattes no designer jeans.

No, no, no, no.

I think we can use money to say yes.

I think money is meant to be used, he wrote.

Its meant to be enjoyed.

Yes, you oughta have goals but you also need to have some fun along the way.

Thats how you become a conscious spender, Sethi said.

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