Seriously, this is something never never taught in school.
The education system only taught us how to make money but didnt complete the syllabus on how to hold and grow money. we only got 1/3 of the knowledge on financial management despite spending 16 years in school! haiz
I find one and two tough to abide to as you cant change job just because it is too far or girlfriend because she likes to go on date. However point 3 is achievable.