- Spend less than you make.
- Keep a budget & track your spending.
- Pay yourself first. And automate it.
- Start investing early & often.
- Use tax-advantaged investment accounts.
- Buy and hold low-cost index funds.
- Never carry a credit card balance.
- Don’t overpay for college.
- Avoid brand-new cars until you’re a millionaire.
- Your primary home is an investment…but usually not a very good one.