1. Budgeting is a way of life
  2. Never buy a new car under any circumstance
  3. Always buy or rent for your current housing needs
  4. Never be a victim to lifestyle inflation
  5. Always be frugal never be cheap
  6. Only borrow money for things that go up in value
  7. Learn your financial weaknesses early in life, everyone has at least one
  8. Plan to live on half your income by the time you are 50
  9. Surround yourself with like minded people
  10. Learn to enjoy the simple things in life
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