25% Tipping Point

25% Tipping Point sounds like something a clerk would stamp on a file. In truth it is a small instrument for thinking clearly.

The number is a fence. On one side lies intention, on the other side lies habit. Most of us live on the wrong side and write poetry about it. This rule simply asks you to climb the fence.

It is worth keeping in your pocket not because it is always right, but because it is always available. A tool you carry beats a perfect tool you left at home.

A rupee saved loudly impresses people for a day. A rupee invested quietly feeds them for years. The bazaar respects the first; life rewards the second.

Money is a good clerk and a terrible master; the arrangement is entirely up to us. Tomorrow will provide the test. It always does.