Advice on how to save, manage, invest and spend money from Knight Kiplinger, the editor in chief of Kiplinger’s Personal Finance.
1. Wealth creation isn’t a matter of what you earn. It’s how much of it you save.
2. Your biggest barrier to becoming rich is living like you’re rich before you are.
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3. Pay yourself first. Have retirement and other savings deducted from your paycheck. If there isn’t enough money left over for bills, cut your spending.
4. No one ever got into trouble by borrowing too little.
5. Conspicuous consumption will make you inconspicuously poor.
6. The key to stock market success isn’t your timing of the market. It’s your time in the market — the longer, the better.
7. Diversify, because every asset has its day in the sun — and its day in the doghouse.
8. When others are selling investments, it’s usually a good time to buy. The foundations of great fortunes are laid in bear markets, not bull markets.
9. Money can’t buy happiness, but it can make unhappiness easier to bear.
10. Sharing your wealth with others is more fun than spending it on yourself.
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