Spend less than you earn.
Take free money when offered: company, government, etc.
Know what you own, i.e. avoid complex investments.
Your benchmark isn’t the S&P 500, it’s the ability to fund your goals.
The less you spend on investment fees the more you keep.
Insure against potentially devastating risks.
Avoid lifestyle creep and keeping up with the Joneses.
Invest in yourself (career, education, hobbies).
Borrow prudently, pay off quickly.
Avoid credit card debt at all costs.
Personal finance IS personal. What works for you may not work for someone else.
Money carries emotional baggage for everyone. Awareness is a good first step.
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