assetbest 
A reader recently wrote that he’d finished a degree in quantitative economics at Makerere University, works at Hardware World Limited, and is saving to start a catering business to support his poor siblings. He said he’s confident that with help, their lives can change.
Messages like that are why I write. I teach investing at a university and have been fortunate to build wealth, so I teach what I practice. My goal is to help others improve their financial lives, and hearing from readers keeps me motivated. Despite the complex theory I teach, living a financially secure life doesn’t have to be complicated. Basic smart-money habits are easy to put into practice.
This holiday season, think about what really matters. Simple things—playing games with family, taking walks, spending time with pets—bring real joy. Give to others, and focus more on what you already have than on what you want.
You’re richer than you may realize. Compare your comforts with those in less developed places or with what earlier generations had. Many people worldwide still lack indoor plumbing, running water, clean air, good roads, or reliable public transport. Even free access to books at a library is a gift.
Skip the holiday frenzy and concentrate on family, friends, and experiences—those are what make life meaningful. Automate your financial decisions so you can spend your energy living.
How are you already wealthy? Be creative in recognizing it.
