You think you're buying happiness, but in fact you're buying shackles; true wealth is not about how many things you own, but how much time you have that others cannot control. 1. Refuse to pay the face-saving tax; luxury goods are the expressway from middle class to poverty. 2. Quit pseudo-excellence; Starbucks and gym memberships cannot buy social mobility. 3. Stay away from the IQ tax; trying to buy quick wisdom with money is the stupidest move. 4. Block out garbage happiness; the essence of relationships is not about who you know, but who you are. I used to be trapped in the "Diderot Effect," overextending credit to maintain so-called dignity, buying luxury cars and watches, exhausting myself in anxiety. Later, I completely cut off four consumption traps, dressing in old suits like Munger, yet accumulating real assets in this noisy world. Now I no longer need to prove myself through consumption, because I have the highest freedom— the right to choose, to quit anytime, and to say "no" to people I dislike. Why do you still live paycheck to paycheck with a million-dollar annual salary? Once you stop working, that castle built on face value will collapse instantly. When you drive a Ferrari around ostentatiously, the envy from passersby is for the car; you are just the driver of this pile of scrap metal. Only the money that hasn't been spent and is earning compound interest in your account is your wealth; money spent is someone else's wealth.