[Kommodor]

That’s some good advice there. I’d add one thing:

Don’t buy crap you don’t need.

Been there, done that, got in the credit trap, got back out of it, wish I’d never done it.

Love my Pontiac Solstice, but still not sure if it was worth having to work another year into my 60s.

[catfish1957]

One I forgot, and again maybe most important

11. Formulate a budget on three levels,... normal, austerity, and emergency. Adjust it annually, and adhere to it religously.