Personal Finance in 10 Simple Sentences

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I moved #10 to #1, because it is actually the most important.

1. You need a written budget and a written plan for your money
2. Spend less than you earn
3. Create an emergency fund immediately
4. There is no tomorrow; start today
5. It's purely on your shoulders
6. The "Joneses" are living a lie
7. Pay off your debt
8. Create multiple sources of income
9. Personal finance is 20% knowledge and 80% behavior
10. Income does not determine your wealth


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