1. Pay yourself first
2. Automate
3. Grow the gap between income and expenses
4. Simple over complex
5. Diversify (Buy the Haystack)
6. Spend money on appreciating assets (you are one)
7. Time is most important
8. Understand Opportunity cost when buying something (Be a value-ist)
a. At 25 years old, $1 = $100 to your future-self
b. At 30, $1 = $50
c. At 40, $1 = $20
9. Invest at least 25% of gross pay
10. Invest in low cost, tax efficient, broad-based index funds
11. Know the timeframe for each dollar12. Stay the Course