Keep your life simple. He suggests that this is best done by being very careful with the big decisions in your life: career, marriage, etc.

Learn what brings you happiness. Does buying the latest Thneed really bring you joy. Do you really need those Ziffer-Zoof seeds? What do you value? Learn what this is and then pursue it.

Buy a home. Take your time. Don’t rush. Be sure every aspect of the decision meets your needs.

Buy a car. Gallagher recommends buying a new car every 8-10 years. “Never lease,” he says.

Never buy a vacation home.

Never buy anything from a door-to-door salesman or a telemarketer. Awesome advice. Don’t buy anything you didn’t seek out yourself. Don’t let others convince you that you need things.

Stay out of debt. By the time you’re 30, you should have no credit card debt. By the time you’re 40, you should have only mortgage debt. By the time you’re 50, you should have no debt at all.

Save. Build an emergency fund. Invest for retirement.

Downshift. When you have no debt, and when you have a nest egg that provides passive income, alter your life so that it is most fulfilling.

Avoid divorce. Gallagher stresses that your life partner will have the greatest effect on your happiness and your ability to achieve financial independence.

使你的生活保持簡(jiǎn)單．他建議最好的辦法是認(rèn)真對(duì)待生活中的重大決定：例如事業(yè)，婚姻等。

 學(xué)習(xí)那些能為你帶來(lái)幸福的事情．購(gòu)買(mǎi)最新款的Thneed確實(shí)能為你帶來(lái)愉快�？赡愦_實(shí)需要這些Ziffer-Zoof種下的草嗎？你的價(jià)值觀是什麼？學(xué)習(xí)了這些再去追求這樣的東西。

 買(mǎi)個(gè)房子．慢慢來(lái)，不著急。確信決定后的每個(gè)方面都符合自己的需要。

 買(mǎi)輛車(chē)．加拉格爾建議每隔8-10年換一輛新車(chē)。“永遠(yuǎn)別去租”他建議。

 永遠(yuǎn)別買(mǎi)度假住宅．

永遠(yuǎn)別從上門(mén)推銷(xiāo)員的手中或通過(guò)電話營(yíng)銷(xiāo)的方式買(mǎi)東西．可怕的建議。 不要買(mǎi)那些不是自己親自挑選的東西。不要讓別人說(shuō)服你而認(rèn)為需要那些東西。

 遠(yuǎn)離債務(wù)．在你30歲的時(shí)候，你應(yīng)該沒(méi)有任何信用卡債務(wù)。在你40歲的時(shí)候，你應(yīng)該只有抵押債務(wù)。在你50歲的時(shí)候，你應(yīng)該什麼債務(wù)都沒(méi)有。

 積攢．開(kāi)一個(gè)應(yīng)急賬戶。為退休以后投資。

 為生活換檔．當(dāng)你沒(méi)有任何債務(wù)時(shí)，當(dāng)你有能為你帶來(lái)額外收入的生財(cái)之道時(shí)，就該改變你的生活內(nèi)容讓它更充實(shí)。

.避免離婚．加拉格爾強(qiáng)調(diào)說(shuō)你的生活伴侶將會(huì)對(duì)你的幸福和你達(dá)到財(cái)務(wù)獨(dú)立目標(biāo)的能力帶來(lái)最大的影響。