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1. Spend less than you earn. OK, this is almost the only lesson you need, but it's so important I'm going to break it down further. The biggest reason people get into financial problems is they spend money they don't really have. Then you end up in the hole, and it's hard to get out of the hole, and you work crazy hours to keep up with your spending, and you end up with a life that's about nothing but trying to pay for all the spending on crap you don't really need.
花得要比賺的少。好吧，雖然這可能是你需要的唯一法則，但我很有必要深入解釋一下。人們陷入資金危機的最大原因是入不敷出。你給自己挖了個大的資金缺口，自己卻難以跳出這個坑來，然后你不得不拼命工作來維持收支平衡。最后你的人生就是在不斷支付你那并不需要的花銷中度過！
So spend less, work less, worry less, be happier.
所以少花一點，少工作一點，讓自己更快樂一點。
2. Don't get into debt. If you spend less than you earn, you won't be in debt, obviously. It's easy, though, to get a student credit card and put things on there if you don't have the money right now. You can pay for it next week when you get your check, right? That's a slippery slope. Student loans are another tool for getting over your head in debt. They're not the worst debt if you're paying for a degree that's going to earn a lot of money, but most of us English majors aren't going to get an $80K per year job and shouldn't take out $80K in student loans.
不要陷入債務中。很顯然，如果你花得比賺的少，你就不會陷入債務中。雖然即使你現在沒錢也可以拿到一張學生信用卡，買到自己想要的東西，然后在下個星期賬單送到時支付對嗎？這其實是滑坡謬論。學生貸款是讓人暫時忘卻債務的另一種工具，如果你將這筆貸款用于將來能賺很多錢的學位上，那么它們并不是最糟糕的債務。但英語專業的大部分學生將來不可能得到一份年薪8萬美金的工作，所以也沒必要高額貸款。
3. Savings is your first bill to pay. If you spend less than you earn, save the rest. Make the savings an automatic payment that happens every payday, and make it the first and most important bill you pay. Not optional. You'll be glad as the savings grows, and especially when emergencies come up.
節約是你要支付的第一份賬單。如果你花得比你賺的少，記得把剩下的存起來。讓儲蓄成為每天的自動支付行為，把它當做你要支付的第一筆，也是最重要的一筆賬單，而不是可有可無的?？粗婵钤黾幽阋欢〞浅ｉ_心，特別是有什么緊急狀況發生時。
