1. Live Below Your Means
量力消费
There will always be temptation to forsake the future for immediate gratification. We all want to buy that new piece of technology, treat ourselves to an expensive night on the town, or take out a loan for the flashy car we can’t afford. It might feel great at the time but rash spending hurts a lot later on.
总是存在一些诱惑，让你想为了眼前的满意而放弃未来。我们都想买新科技产品，去吃一顿昂贵的晚餐犒劳自己，或者贷款买那辆我们本来买不起的耀眼豪车。当时可能感觉很棒，但轻率的消费会让你之后很受伤。
Enjoy life’s simple pleasures and save as much as you can. Expensive things don’t create lasting happiness and security. Careful spending will bring you greater leisure and enjoyment in the long run.
享受生活中简朴的乐趣，尽可能地节省。昂贵的东西并不会带来长久的幸福和安全感。从长远来说，谨慎消费才会带给你更大的轻松和舒畅。
2. Put Your Money to Work
让你的钱运转起来
Saving is great, but to make the most of your money you need to put it to work. Good investments can be the difference between retiring in your 40′s or in your 60′s.
存钱是好的，但是想要最大程度利用你的钱，你需要让它们运转起来。好的投资可以决定你的退休工夫是40多岁还是60多岁。
If a person in their early 20′s invests 20% of their income in an S&P index fund, the interest they earn will equal their current salary when they reach their early 40′s. They could retire without a drop in income! Wise investing is the surest path to financial independence and it’s something everyone can work on.
如果一个人在20岁出头的时分把他工资的20%用于投资购买标准普尔指数基金，那么当他40岁出头时，他获得的利息会和他当前的工资持平。他们就可以在不减少收入的情况下退休了！明智的投资是经济独立最可靠的道路，而且每个人都可以做到。
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