1. Live Below Your Means

    There will always be temptation to forsake the future for immediate gratification. We all want to buy that new piece of technology, treat ourselves to an expensive night on the town, or take out a loan for the flashy car we can’t afford. It might feel great at the time but rash spending hurts a lot later on.

    Enjoy life’s simple pleasures and save as much as you can. Expensive things don’t create lasting happiness and security. Careful spending will bring you greater leisure and enjoyment in the long run.

    2. Put Your Money to Work

    Saving is great, but to make the most of your money you need to put it to work. Good investments can be the difference between retiring in your 40’s or in your 60’s.

    A post today at The Simple Dollar really got me thinking. According to Trent’s projections, if a person in their early 20’s invests 20% of their income in an S&P index fund, the interest they earn will equal their current salary when they reach their early 40’s. They could retire without a drop in income!

    Wise investing is the surest path to financial independence and it’s something everyone can work on. It’s definitely an area I’ll be devoting more attention to in my personal life and on this blog.

    3. Educate Yourself

    To be happy we need continuous growth. The best way to grow is life long education. This doesn’t mean you need to pursue a doctorate or spend 2 hours reading every day. Self education can be anything that takes you out of your comfort zone. The important part is keeping an open mind and searching for fresh ideas and perspectives.

    Education builds over time. It might feel like the bits of wisdom you acquire don’t mean much, but over the years they add up to form a wiser, kinder, more interesting person.

    4. Develop Lasting Personal Relationships

    Suppose you had everything you wanted. Would you be happy without anyone to share it with? The personal relationships we develop with friends and family members are the greatest source of happiness in our lives. Don’t forget about them.

    Taking the time to cultivate and enjoy personal relationships is essential to longterm happiness. Without the people you care about you’ll probably be miserable, no matter how successful you become.

    5. Work Towards a Dream You’re Passionate About

    Even if your life isn’t perfect, you can always build towards a goal you’re passionate about. If you aren’t building towards something, you’re probably stagnating. When this happens to me I start to feel like a victim trapped by my own life. The best way to reverse this is working towards a goal.

    We can’t control everything about our lives, but working towards a goal gives us something positive to focus on and lays the foundation for future success. No matter what your passion is, get out there and start doing something. As Lao Tzu said, even a journey of 1,000 miles begins with a single step.

    Bonus: 6. Stay in Shape

    You only get one body. Once it’s been ruined there isn’t much you can do about it. Exercise to keep the rust off. Avoid excessive consumption of damaging substances and unhealthy foods. It may feel like terrible self denial at the time but enjoying good health in your later years is worth the sacrifice.

    1．量入為出的生活方式

    zhegeshijiechongmantaiduodeyouhuo
，shidehenduorendouyinzanshidemanzuganerfangqileweilai。womendouxiangyaoyongyouzuixinzuiangguidejishuchanpin，shechidixiangshoumougeyewan，huozheyongdaikuangoumaiyiliangwufafudandehaohuajiaoche。dangzhongganjiaokenengzhendehenhao，danhaowujihuadekaizhizhihuidailaigengduodehouyizheng。

    xiangshoushenghuojiandandekuaile，bingjinkenengbaochizhezhongzhuangtai。shechidewuzhixiangshoushiwufadailaichijiudekuaileheanquangande。zuizhong
，zhiyouliangruweichudeshenghuofangshicainengdailaianyideshenghuohexingfu。

    2.投資事業

    節儉是美德，但要充分地利用你的金錢，就把它們投資在事業上。好的投資能讓你在40歲時就得到財務上的解脫，這比60歲退休要好得多。

    今天收到的來自The Simple Dollar公司的郵件讓我為之深思。特倫特的觀點是，如果有人在20歲早期就開始將收入的20%投資在S&P的指數化證券投資基金上，那麼當他們40歲時所賺的利息就等於現在的工資。那時，他們就可能在沒有任何收入的情況下達到財務解脫。

    明ming智zhi的de投tou資zi是shi通tong向xiang財cai務wu解jie脫tuo最zui可ke靠kao的de途tu經jing，也ye是shi每mei個ge人ren都dou學xue得de會hui。毫hao無wu疑yi問wen，這zhe是shi我wo願yuan意yi為wei之zhi付fu出chu心xin血xue致zhi力li在zai這zhe個ge博bo客ke上shang研yan究jiu和he學xue習xi的de。

    3．自我培養

    我(wo)們(men)需(xu)要(yao)不(bu)斷(duan)地(di)成(cheng)長(chang)來(lai)獲(huo)得(de)最(zui)終(zhong)的(de)快(kuai)樂(le)幸(xing)福(fu)。成(cheng)長(chang)的(de)最(zui)好(hao)方(fang)法(fa)是(shi)窮(qiong)其(qi)一(yi)生(sheng)的(de)學(xue)習(xi)。但(dan)這(zhe)並(bing)不(bu)意(yi)味(wei)著(zhe)你(ni)必(bi)須(xu)要(yao)獲(huo)得(de)博(bo)士(shi)頭(tou)銜(xian)或(huo)每(mei)天(tian)兩(liang)小(xiao)時(shi)的(de)閱(yue)讀(du)。自(zi)我(wo)培(pei)養(yang)是(shi)能(neng)讓(rang)你(ni)從(cong)安(an)逸(yi)環(huan)境(jing)中(zhong)走(zou)出(chu)的(de)任(ren)何(he)方(fang)式(shi)。最(zui)關(guan)鍵(jian)的(de)是(shi)保(bao)持(chi)思(si)想(xiang)開(kai)放(fang)，尋(xun)求(qiu)嶄(zhan)新(xin)的(de)想(xiang)法(fa)和(he)觀(guan)點(dian)。

    自(zi)我(wo)培(pei)養(yang)是(shi)通(tong)過(guo)時(shi)間(jian)累(lei)積(ji)而(er)成(cheng)的(de)。可(ke)能(neng)你(ni)所(suo)學(xue)到(dao)的(de)聰(cong)明(ming)才(cai)智(zhi)在(zai)目(mu)前(qian)並(bing)無(wu)特(te)別(bie)之(zhi)處(chu)
，但(dan)許(xu)多(duo)年(nian)後(hou)

，它(ta)們(men)會(hui)在(zai)漸(jian)漸(jian)累(lei)積(ji)，幫(bang)助(zhu)你(ni)成(cheng)為(wei)一(yi)位(wei)智(zhi)者(zhe)，善(shan)人(ren)，或(huo)幽(you)默(mo)風(feng)趣(qu)的(de)人(ren)。

    4．持久的人際關係

    假設你已擁有想要的一切。但如若無人分享，你還會開心嗎？我們與朋友親人間建立的感情關係是快樂的最大來源。切莫忘了這點。

    懂得花時間來培養和享受人際關係是永久快樂的本質因素。假如你沒有真正想要關心的人，那樣的你是悲慘的，不管有多成功。

    5．致力於你的夢想

    即(ji)使(shi)你(ni)的(de)生(sheng)活(huo)並(bing)不(bu)夠(gou)完(wan)美(mei)，你(ni)也(ye)可(ke)以(yi)朝(chao)著(zhe)你(ni)的(de)夢(meng)想(xiang)前(qian)進(jin)。沒(mei)有(you)可(ke)為(wei)之(zhi)努(nu)力(li)的(de)目(mu)標(biao)，可(ke)能(neng)就(jiu)會(hui)慢(man)慢(man)變(bian)得(de)頹(tui)廢(fei)。當(dang)這(zhe)種(zhong)情(qing)況(kuang)發(fa)生(sheng)我(wo)身(shen)上(shang)時(shi)，我(wo)就(jiu)開(kai)始(shi)感(gan)覺(jiao)那(na)是(shi)生(sheng)活(huo)的(de)一(yi)個(ge)陷(xian)阱(jing)。扭(niu)轉(zhuan)這(zhe)種(zhong)狀(zhuang)況(kuang)最(zui)好(hao)的(de)辦(ban)法(fa)是(shi)朝(chao)著(zhe)一(yi)個(ge)目(mu)標(biao)前(qian)進(jin)。

    duiyushenghuo
，womenwufazhangkong，danbutingdizhuiqiumubiaokeyirangwomenbiandejiji，weichenggongdaxiajichu。buguannidemubiaoshishenme，zhiyaonixiadingjuexintachudiyibu。laozizengshuo
，qianlizhixingshiyuzuxia，jiushizhegedaoli。

    6．保持良好狀態

    生(sheng)命(ming)隻(zhi)有(you)一(yi)次(ci)。一(yi)旦(dan)身(shen)體(ti)出(chu)了(le)什(shen)麼(me)問(wen)題(ti)，就(jiu)再(zai)無(wu)法(fa)挽(wan)回(hui)。多(duo)做(zuo)運(yun)動(dong)會(hui)讓(rang)身(shen)體(ti)更(geng)加(jia)健(jian)康(kang)。盡(jin)量(liang)避(bi)免(mian)有(you)損(sun)身(shen)體(ti)的(de)過(guo)量(liang)運(yun)動(dong)和(he)危(wei)害(hai)健(jian)康(kang)的(de)食(shi)物(wu)。也(ye)許(xu)你(ni)會(hui)有(you)反(fan)抗(kang)情(qing)緒(xu)，但(dan)為(wei)了(le)以(yi)後(hou)的(de)健(jian)康(kang)生(sheng)活(huo)，這(zhe)種(zhong)犧(xi)牲(sheng)絕(jue)對(dui)是(shi)值(zhi)得(de)的(de)