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1. Spend less than you earn.
1. 花的要比賺的少。

2. If you're facing a pile of debts, make minimum payments on all of the debts but the one with the highest interest rate, then make the biggest payment you can each month on that high one.
2. 如果你有一堆債務(wù)，除了利率最高的那筆債，其余每筆都還最低限額，然后每個(gè)月盡你所能還那筆最大的。

3. Never expect that your "future self" or anyone else will bail you out of your dumb mistakes today and remember that only you can make better choices for yourself.
3. 不要期待“未來(lái)的自己”或其他任何人來(lái)補(bǔ)救你今日愚蠢的錯(cuò)誤，要記住只有你可以為自己做更好的選擇。

4. The quickest way to financial recovery is to get a grip on your spending impulses.
4. 讓經(jīng)濟(jì)復(fù)蘇的最快方法是控制你的消費(fèi)沖動(dòng)。

5. Life is going to hand you emergencies, so keep at least $1,000 in your savings account for those emergencies.
5. 生活中會(huì)出現(xiàn)緊急事件，所以在儲(chǔ)蓄賬戶里至少留1000美元。

6. Be completely open with your spouse about every single dime that comes in and every single dime that you spend.
6. 對(duì)你的配偶坦誠(chéng)得到的和花出去的每分錢。

7. Buy items that will last for a very long time at the best possible price and you'll rarely be unhappy with them.
7. 用最實(shí)惠的價(jià)格買到耐用的物品，那你基本上不會(huì)不高興了。

8. If your employer offers matching on your 401(k), take as much of it as you can get.
8. 如果你的雇主提供適合你的養(yǎng)老金計(jì)劃，盡可能多拿些。

9. When you're deciding how to invest, remember that past performance does not indicate future returns and focus instead on the fees and expenses.
9. 當(dāng)你決定如何投資時(shí)，要記住過(guò)去的表現(xiàn)并不能說(shuō)明未來(lái)的收益，應(yīng)該關(guān)注費(fèi)用和開支。

10. If you have dependents who rely on you, you ought to have life insurance, but ignore any salesperson who tries to sell you anything other than a term policy.
10. 如果你有依靠你的家屬，那應(yīng)該買份人壽保險(xiǎn)，但別理睬任何想賣給你其他保險(xiǎn)的銷售人員。

A final "bonus" life and career tip: treat every single person in your life as you would like to be treated, regardless of whether you're in the workplace or in everyday life.
最后有個(gè)生活和職場(chǎng)中的“彩蛋”：無(wú)論是在職場(chǎng)還是在日常生活中，用你想被對(duì)待的方式去對(duì)待每一個(gè)人。