1. Spend less than you earn.

1. 花的要比赚的少。

2. If you're facing a pile of debts, make minimum payments on all of the debts but the one with the highest interest rate, then make the biggest payment you can each month on that high one.

2. 如果你有一堆债务，除了利率最高的那笔债，其余每笔都还最低限额，然后每个月尽你所能还那笔最大的。

3. Never expect that your "future self" or anyone else will bail¹ you out of your dumb mistakes today and remember that only you can make better choices for yourself.

3. 不要期待“未来的自己”或其他任何人来补救你今日愚蠢的错误，要记住只有你可以为自己做更好的选择。

4. The quickest way to financial recovery is to get a grip on your spending impulses.

4. 让经济复苏的最快方法是控制你的消费冲动。

5. Life is going to hand you emergencies, so keep at least $1,000 in your savings² account for those emergencies.

5. 生活中会出现紧急事件，所以在储蓄账户里至少留1000美元。

6. Be completely open with your spouse³ about every single dime⁴ that comes in and every single dime that you spend.

6. 对你的配偶坦诚得到的和花出去的每分钱。

7. Buy items that will last for a very long time at the best possible price and you'll rarely be unhappy with them.

7. 用最实惠的价格买到耐用的物品，那你基本上不会不高兴了。

8. If your employer offers matching on your 401(k), take as much of it as you can get.

8. 如果你的雇主提供适合你的养老金计划，尽可能多拿些。

9. When you're deciding how to invest, remember that past performance does not indicate future returns and focus instead on the fees and expenses.

9. 当你决定如何投资时，要记住过去的表现并不能说明未来的收益，应该关注费用和开支。

10. If you have dependents who rely on you, you ought to have life insurance, but ignore any salesperson⁵ who tries to sell you anything other than a term policy.

10. 如果你有依靠你的家属，那应该买份人寿保险，但别理睬任何想卖给你其他保险的销售人员。

A final "bonus" life and career tip: treat every single person in your life as you would like to be treated, regardless of whether you're in the workplace or in everyday life.

最后有个生活和职场中的“彩蛋”：无论是在职场还是在日常生活中，用你想被对待的方式去对待每一个人。