If you're in this for the long run: every raise is a separate savings contract.
Decide what portion leaves for future-you before lifestyle absorbs the rest. Your spending will expand to match income unless you move first.
Most people judge debt by how much a company owes. Fewer look at when it comes due.
Clustered maturities create a refinancing wall: total leverage can look manageable while rollover risk in a single year is not.
When a stock looks statistically cheap, pause at the multiple. Trace cash flows: buybacks above intrinsic value, empire M&A with weak returns, capex without a hurdle rate.
Three allocation habits can turn a cheap screen into a slow bleed of intrinsic value.