b'
1: 70/20/10 - Live on 70% of your income, invest 20% and give away 10%.\\xa0
2: If you can\\u2019t buy something with cash, don\\u2019t buy it with credit (other than a car or real estate).\\xa0
3: Have six months of living expenses in cash but no more than that.\\xa0
4: Don\\u2019t waste money.
5: Don\\u2019t spend money based on emotion.\\xa0
6: When investing your money, do your due diligence, then do it again.\\xa0
7: Think four generations in the future before you spend or invest your money. Will it benefit my children\\u2019s children?\\xa0
8: Never carry a credit card balance unless it\\u2019s at 0%.\\xa0
9: Never have all your money in one account. (Read Profit First if you haven\\u2019t)\\xa0
10: Never have all your money in one investment (unless it\\u2019s your first deal).
11: Never spend more than you can truly afford. You have to know what you can afford.\\xa0
12: Don\\u2019t spend money solely to impress others, the Joneses are broke, you just don't know it.\\xa0
13: Make sure the reward always outweighs the risk.\\xa0
14: Treat your money as if you worked hard for it, even if you didn\\u2019t.\\xa0
15: Never work for the same dollar twice.
16: Manage and adapt your budget monthly.
17: Know your numbers (this is most people\\u2019s biggest issue)\\xa0
18: If it sounds too good to be true it is, trust me.\\xa0
19: Inform yourself of how taxes work and pay accordingly, get a good CPA.\\xa0
20: Never rely on just one source of income, the average millionaire has seven.\\xa0
21: Spend your time earning money until you can spend your money earning time.