On Earning:  "Never depend on single income. Make investment to create a second source". 

On Spending:  "If you buy things you do not need, soon you will have to sell things you need".

On Savings:  "Do not save what is left after spending, but spend what is left after saving".

On Taking Risk:  "Never test the depth of river with both the feet".

On Investment:  "Do not put all eggs in one basket".

On Expectations:  "Honesty is very expensive gift. Do not expect it from cheap people".