What Investing Rules Does Poor Charlie'S Almanack Recommend?

Just how rich can a person be? My husband, Don Leonardo Bianchi, is incredibly wealthy. Every time he abandons me for his childhood sweetheart, Sofia Rossi, he gives me a building. The first time, it was a luxury apartment building with a sea view. The tenth time, it was a commercial property in the prime downtown area. By the 50th time, the general managers of several real estate companies had started calling me "Boss". Five years into our marriage, my real estate spreads across the entire country. When the deed to the 97th building is delivered to me, Sofia sends me a taunting voice message. "You might have the property deeds, but I have Leonardo. Aurora Esposito, tell me, which one of us is the real winner?" After listening to it, I don't cry or make a scene. Instead, this time I take the initiative to draft an agreement and wait for Leonardo to sign it. Once Leonardo comes back, he signs it and praises me for being magnanimous. He then takes me to a party as his date. At the party, Sofia loses game after game and is stripped down to only her underwear. When she loses once more, she turns to me—who is wearing only a dress—with a meaningful smile and says, "What's the fun in just me taking things off? I think Aurora, the perfect Donna, should join in too." Amid the clamor of cheering, I quietly look at Leonardo. "You just have to take off one piece of clothing. Don't spoil everyone's fun. When we get back, I'll give you another building," he whispered to me coaxingly. I calmly acquiesce. Little does he know that he won't have another chance to give me anything, because what he blindly signed earlier is our divorce papers.

I was the stingiest rich wife in the city’s high society. I did not spend money on beauty treatments or travel. In fact, I did not even own a single decent outfit or a handbag. Everyone laughed at me. They said I had the fortune of a wealthy family but not the luck to enjoy it. However, what they did not know was that behind closed doors, Arvid Hans, who was famous for his lavish spending, was a hundred times stingier than I was. He piled on gold and jewels to keep up appearances in public. However, with me, he was a miser, refusing to spend a single extra penny. We split every expense down to the last penny. Every meal and every prescription required a receipt and an entry in the ledger. He said this was to help me develop a business mindset. He said that fairness and caution were the keys to a lasting relationship. While other wives were decked out in expensive jewelry, I was dressed simply. He said I was naturally beautiful and did not need such trinkets to enhance my looks. Even our housekeeper was hoarding gold for investment. Yet he kept me from touching a single penny, citing the Hans family’s tradition of being frugal. For three years of marriage, I lived like a devout nun, strictly adhering to the “rules of frugality” he had tailored for me. It was not until Christmas Eve, when I returned a day early from visiting my parents, that I discovered someone else had been living the life of luxury meant for me.

When I was at my absolute poorest, I got sucked into some kind of survival game. The challenge was to survive 7 days on just 50 dollars, and the winner would walk away with a million dollars. As someone who might as well be certified as a professional at being broke, I knew exactly how to survive on next to nothing. That prize money had my name written all over it.

My family was supposed to be the richest of the land, yet I had to refund even a cheap delivery. Why? In my previous life, my housekeeper's daughter got her hands on a trading system. Every cent of money I spent would be hers. She started trying to guilt-trip me into donating to all the impoverished students in her school. It was charity anyway, so I signed a check worth 300 grand. The moment I did, that money became part of her savings, and the amount on my check was zero. Everyone called me names, called me a charlatan. Even the boy toy I spent good money on broke up with me. That girl used my money to donate to charities and became the kind and beautiful heiress. She told everyone I was the housekeeper's daughter instead. Furious, I grabbed my black card and started shopping like crazy. I wanted to prove I was the real heiress, but the balance in my account was cleared immediately. That girl then spent 1.2 million right away, like it was one dollar. She scoffed at me. "Don't try to act like you're rich when you're a broke loser. Your mother doesn't make enough as a housekeeper." The Internet decided to hunt me down. I could not handle the stress, and my mind broke. For some reason, my body withered away at a blistering rate. Before my father could save me, I drew my last breath. When I opened my eyes again, I returned to that fateful day. The day the housekeeper's daughter made me donate to the school.

It started with a sudden downpour. I turned around to buy an umbrella. By the time I got back, Winston Sterling had already draped his overcoat across Sera Thorne’s shoulders. He pulled me under the umbrella, his tone gentle, as if soothing a spoiled child. "Sera can't handle the cold. Just let her have it this once, Nat. Be a good girl. Don't make a fuss." I looked down at my own shoulder, which was already completely soaked through. I didn't say a word. We had been building our startup for five years. Everyone always said Winston and Sera were the dual heart and soul of Sterling Tech. One wrote the code, while the other pitched the product. Meanwhile, I was the one managing the budgets, chasing down clients, advancing money for our office rent, and pulling all-nighters to grind out business proposals. Yet, all I ever got from him was a single, offhand sentence. "Nat, you're always the reasonable one." But I finally understood. It was always the reasonable one who got pushed out into the rain, time and time again. When the car door opened, Winston practiced an all-too-familiar routine, adjusting the passenger seat cushion for Sera. That was a lumbar support cushion I had bought for myself after injuring my waist. I threw the newly purchased umbrella straight into the trash can. Then, I pulled up my phone and clicked send on the equity exit agreement I had prepared long ago. Three minutes later, his reply came back as a brief, three-word text. "Don't be silly." What he didn't know was that at that exact same moment, I had also opened another email.

My mom is a woman who takes frugality very, very seriously. When I suffer from a high fever, she feeds me moldy chicken noodle soup. In fact, I can only wear my older sister's hand-me-downs since I was a little girl. After working hard for so long, I finally qualify for the final interview of a top-500 company. I keep telling my mom repeatedly to not cause any trouble for me. Alas, my monitor winks out when I've reached the most critical point of my interview. At the same time, the router has lost access to the internet. I rush out of my room hurriedly, only to see my mom flipping off the main switch in the darkness. "Why did you leave the lights on at night? Imagine how much money you'll have to pay! I've already calculated everything for you. If we turn off the lights, we get to save a few pennies per night!" Thanks to those pennies, I end up losing my job that can guarantee an annual salary of a million dollars. Later on, my older sister, Andrea Fletcher, is diagnosed with a kidney disease. In order to latch onto Andrea's rich husband, Kirk Herrera, my mom forces me to work overtime at a shady factory just to gather enough money for Andrea's medical bills. Even when I'm about to die, my older brother, Anthony Fletcher, and my dad keep blaming me. "You can't even get hired at a proper factory! You really are useless, Alice! Your mom went through all those frugal nonsense just to raise you for nothing!" When I open my eyes again, I've returned to the day I'm about to attend the online interview. I just chuckle coldly as I look at Andrea, who has just found out about her kidney disease and is waiting for me to earn enough money for her kidney transplant. Then, I toss her expensive, specialized medication into the trash can. "What use is there for you to take the medicine, Andrea? What a waste! Mom already stated many times that being frugal is the way of life! "You should drink more water instead. Once your rich husband finds out how good you are at saving money, he'll definitely compliment us for knowing how to balance our finances!"