1. Spend less money than you make.

2. Having savings gives you options.

3. Staying out of debt is freedom.

4. Freedom and having options are enough to make most people happy.

5. Good health reduces the possibility of financial ruin.

6. Investing your money helps you grow your savings.

7. Stock Investing is simple: you only pay what you think a company’s earnings is worth.

8. Stock Investing is hard: reading too much news and emotions always get in the way.

9. Diversifying your investment could save you from financial ruin. Don’t know where to start?

10. Use the Barbell portfolio strategy (by Nassim Taleb): 90% in risk-free investment and 10% in high risk, high return investments. Or invest in a lost-cost index fund like the SPDR S&P 500 ETF through Chaka.