Want to achieve financial freedom? Actually, the path isn't that complicated. The secrets to making money boil down to these points:

**Cutting expenses and increasing income is fundamental**—spending should always be less than earning. It sounds obvious, but few can truly do it. The same applies in the crypto market; many overestimate their earning ability and underestimate the erosion of living costs.

**Make smart investment decisions**—not blindly follow the trend, not jump in just because of rumors. Every flow of funds should be supported by logic. This is especially important in the crypto space because there's too much noise.

**Stay away from energy-draining people and things**—toxic relationships and harmful activities will steal your time and money. In the social media era, this means being cautious of FUD, scam information, and voices that profit from panic.

**Continuous learning is never outdated**—markets change, technology upgrades, and your knowledge framework must also evolve. This is not optional; it's a necessity.

**The hardest part is delayed gratification**—being able to resist immediate consumption and invest funds into more promising opportunities. Most people fall behind at this stage.

If you can do all these, success is almost a given. If not, then luck plays a big role. This is a summary of Charlie Munger's many years of investing experience, and it applies across any era.