The world tells you three biggest lies every single day. And until you stop believing them, you will never build real wealth. This is the bitter truth from Charlie Munger, the truth that most people don't have the courage to hear. Because it will force you to separate yourself from the crowd. THE FIRST LIE: SPEND MORE. Society tells you that you should buy everything you desire and that living in debt is acceptable. Munger says: "This is the biggest mistake!" If your expenses exceed your income, you are simply purchasing slavery. Cut your expenses. Reduce your needs. Low consumption is the first sign of financial wisdom. THE SECOND LIE: CHASE EVERY TREND. Everyone today asks you to chase every new trend, whether it's the latest stock, crypto, or real estate fad. Munger says: "We only need a few great opportunities. If you don't truly understand something, do not put your money into it. Our 'Circle of Competence' is very small, and we are happy staying within it." THE THIRD LIE: FOLLOW THE CROWD. The most common lie is that when everyone is happy and buying, you should join them. Munger said: "The best money is often made when you act contrary to the masses." In life and investment, what is popular is often wrong. When others are greedy and anxious, you must remain calm. That is your greatest advantage.