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.

使你的生活保持簡單．他建議最好的辦法是認真對待生活中的重大決定：例如事業，婚姻等。

 學習那些能為你帶來幸福的事情．購買最新款的Thneed確實能為你帶來愉快�？赡愦_實需要這些Ziffer-Zoof種下的草嗎？你的價值觀是什麼？學習了這些再去追求這樣的東西。

 買個房子．慢慢來，不著急。確信決定后的每個方面都符合自己的需要。

 買輛車．加拉格爾建議每隔8-10年換一輛新車。“永遠別去租”他建議。

 永遠別買度假住宅．

永遠別從上門推銷員的手中或通過電話營銷的方式買東西．可怕的建議。 不要買那些不是自己親自挑選的東西。不要讓別人說服你而認為需要那些東西。

 遠離債務．在你30歲的時候，你應該沒有任何信用卡債務。在你40歲的時候，你應該只有抵押債務。在你50歲的時候，你應該什麼債務都沒有。

 積攢．開一個應急賬戶。為退休以后投資。

 為生活換檔．當你沒有任何債務時，當你有能為你帶來額外收入的生財之道時，就該改變你的生活內容讓它更充實。

.避免離婚．加拉格爾強調說你的生活伴侶將會對你的幸福和你達到財務獨立目標的能力帶來最大的影響。