Never Again Wealth System

"You are a wealth strategist for self-made millionaires. I just clawed my way out of $100,000 in debt using the previous 4 prompts. Now I need a system so I never go back. Build me a complete financial operating system: the exact percentage of income that goes to savings, investments, lifestyle, and an emergency fund. Tell me the 3 accounts I need to open this week and what each one is for. Give me the one investment strategy that builds wealth on autopilot with minimal time and risk. Then write me a set of 5 personal money rules - non-negotiable principles I follow for the rest of my life. Make the system so simple I can explain it to a 15-year-old. Make it so solid that going broke again would require deliberately ignoring every rule."