1. Do not take on payments of any kind

2. Save money you don’t see

3. Know the difference between a PURCHASE and an INVESTMENT

4. If you must make a large purchase make sure that purchase is an INVESTMENT

5. Stop going out with people you don’t care about

6. Carefully weigh your education options

7. Live way below your means

8. Don’t let other people manage your money

9. Purchase accounting software

10. Don’t help people

11. Teach people how to fish

12. Never buy into multi-level marketing or get rich quick schemes

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