4. Never Live Beyond Your Means.
生活費用絕不要超支。
Throughout life try to keep your spending within your income and so save a little. Avoid getting into debt if possible. There are some exceptions--like getting a mortgage to buy a house--but generally if you can live within your means you will avoid all sorts of problems.
生活上要努力保持收支平衡,所以應該存點錢。在可能的情況下避免負債。當然可以有些例外——如抵押貸款買房子——但是總的來說,如果你能保持收支平衡就能避免各種麻煩。