> There seems to be a subtle but profound supposition that being rich or poor is just a matter of "heuristics." Reminds me of the countless self-help books written, YouTube videos made, and Instagram posts, on habits of rich people. I don't think that is going to take you anywhere.

Oof, great point. I didn't mean to imply that.

I'm a huge fan of simple systems, but simple systems aren't always easy systems.

I also don't think heuristics will work 100% of the time. Heck, I'm not even sure if they'll work 65% of the time. But where else do you start, if not for copying others?