The concept of The Rat Race was introduced in chapter 12. What does this concept mean? Being very competitive in your chosen field and finding success quickly as you race to the top of your company, Not having a work-life balance and spending too much of your time in a high stress environment while having a general dissatisfaction with life. Saving some of your income and investing in savings accounts or other investments where your money will earn interest, dividends, or appreciate in value Charging excess expenses on credit cards and then paying minimum monthly payments which does not effectively decrease your balance