[raintrees]

Set up a financial plan before you accept your first dollar, if you wish to be most efficient.

Use percentages, such as saving 10% for long term wealth, and 5% for a fun account so you don't sabotage your financial plan.

Learn enough of the tax code in the country you live in so that when you make financial (and employment/business) decisions you are doing so while obtaining the best treatment in taxes, one of our biggest expenses.

Once this is all rote, you can focus on doing what you want, following dreams, exploring new realms, acquiring new valuable skills, etc. knowing that you have your financial base set up to grow solidly.

[praveen9920]

This I think is the most important aspect most of the engineers ignore