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.

使你的生活保持简单．他建议最好的办法是认真对待生活中的重大决定：例如事业，婚姻等。

 学习那些能为你带来幸福的事情．购买最新款的Thneed确实能为你带来愉快。可你确实需要这些Ziffer-Zoof种下的草吗？你的价值观是什麽？学习了这些再去追求这样的东西。

 买个房子．慢慢来，不着急。确信决定后的每个方面都符合自己的需要。

 买辆车．加拉格尔建议每隔8-10年换一辆新车。“永远别去租”他建议。

 永远别买度假住宅．

永远别从上门推销员的手中或通过电话营销的方式买东西．可怕的建议。 不要买那些不是自己亲自挑选的东西。不要让别人说服你而认为需要那些东西。

 远离债务．在你30岁的时候，你应该没有任何信用卡债务。在你40岁的时候，你应该只有抵押债务。在你50岁的时候，你应该什麽债务都没有。

 积攒．开一个应急账户。为退休以后投资。

 为生活换档．当你没有任何债务时，当你有能为你带来额外收入的生财之道时，就该改变你的生活内容让它更充实。

.避免离婚．加拉格尔强调说你的生活伴侣将会对你的幸福和你达到财务独立目标的能力带来最大的影响。