Boring - Personal finance Gyaan

Just some personal finance gyaan, I follow these regularly

1. Have 3-6 months of cautionary savings
2. Have up to 2x your monthly account in your bank
3. Have 3 accounts (Salary, Investment & Spend)
4. Have a Bifurcation of Equity, Debt , Real-estate & Gold by age and follow that
5. Have 2-3 credit cards (Set Breach limits)
6. Think long term
7. Reduce costs on all fronts - Saving account, demat, mutual funds , tax etc
8. Medical & Life insurance is a must
9. Don't inflate your lifestyle after you income gets upgraded .Wait observe and decide if it's worth it
10. Always invest in things that would give you less headache

Have added my investment bifurcation in comments