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.

    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.低調生活

    生活中到處充滿誘惑
，一不小心就可能為了

    yishidemanzuerzihuiqiancheng。womendouyougoumaigezhongxinqidegaokejiwanyier，huashangyidabiqiandaochengliguoyicizhenzhengdeshehuashenghuo，huoweilewomenfudanbuqidehaohuaqicheerxiangyinxingdaikuandechongdong。yuwangdedaomanzushideganjiaoqueshihenhao
，danshiguohounijiangweizijidedashoudajiaoerfuchucantongdedaijia。

    2.讓自己的錢“動”起來

    儲蓄是個不錯的主意，但是要更好地利用手頭的錢
，你就必須讓它“動”起來。是40歲退休還是整天忙碌到60歲，就看你能否很好地進行投資。

    今天在“簡單美元”網站上看到的一個帖子令我陷入沉思。按照帖子作者特倫特的觀點，如果一個人在20歲左右把工資收入的20%投資在S&P指數基金上

，到他40歲左右的時候
，他投資的利息收入就相當於目前的工資水平
，這樣的話
，他就可以既不減少收入又可提前退休了。

    英ying明ming的de投tou資zi決jue定ding是shi通tong向xiang經jing濟ji獨du立li的de最zui佳jia途tu徑jing，而er且qie是shi每mei個ge人ren都dou有you能neng力li一yi試shi的de。毫hao無wu疑yi問wen，這zhe一yi點dian是shi我wo自zi己ji在zai今jin後hou的de生sheng活huo中zhong將jiang重zhong點dian關guan注zhu
，同tong時shi也ye是shi我wo這zhe篇pian文wen章zhang所suo要yao重zhong點dian闡chan述shu的de問wen題ti。

    3.活到老，學到老

    人ren要yao快kuai樂le，就jiu必bi須xu不bu斷duan充chong實shi自zi己ji。而er讓rang自zi己ji充chong實shi的de最zui好hao辦ban法fa則ze莫mo過guo於yu活huo到dao老lao學xue到dao老lao。我wo不bu是shi說shuo你ni要yao努nu力li考kao取qu一yi個ge博bo士shi學xue位wei
，或huo者zhe每mei天tian花hua兩liang個ge小xiao時shi勤qin奮fen讀du書shu。走zou出chu自zi己ji生sheng活huo的de“小圈圈”所學到的任何東西，都可以稱之為自我充電。其中最重要的一點就是要虛心
，要學會用新觀點新角度看待事物。

    知zhi識shi是shi一yi點dian一yi滴di慢man慢man積ji累lei起qi來lai的de。也ye許xu一yi開kai始shi你ni覺jiao得de學xue到dao的de都dou是shi微wei不bu足zu道dao的de東dong西xi

，但dan是shi隨sui著zhe時shi間jian的de推tui移yi
，常chang年nian積ji累lei起qi來lai的de知zhi識shi將jiang把ba你ni變bian成cheng一yi個ge更geng睿rui智zhi、更寬厚、更有趣的人。

    4.發展恒久的人際關係

    假(jia)設(she)你(ni)已(yi)經(jing)擁(yong)有(you)一(yi)切(qie)你(ni)想(xiang)要(yao)的(de)東(dong)西(xi)，但(dan)是(shi)卻(que)沒(mei)有(you)人(ren)能(neng)夠(gou)和(he)你(ni)分(fen)享(xiang)的(de)話(hua)
，你(ni)會(hui)感(gan)到(dao)開(kai)心(xin)嗎(ma)？發(fa)展(zhan)同(tong)親(qin)人(ren)朋(peng)友(you)之(zhi)間(jian)的(de)感(gan)情(qing)和(he)友(you)誼(yi)是(shi)我(wo)們(men)生(sheng)活(huo)中(zhong)最(zui)大(da)的(de)快(kuai)樂(le)來(lai)源(yuan)。千(qian)萬(wan)別(bie)忘(wang)了(le)他(ta)們(men)哦(o)！

    花hua點dian時shi間jian培pei養yang和he享xiang受shou和he親qin朋peng好hao友you間jian的de美mei好hao感gan情qing，是shi能neng否fou長chang期qi感gan到dao幸xing福fu快kuai樂le的de必bi要yao保bao證zheng。一yi個ge人ren如ru果guo沒mei有you誰shui讓rang他ta覺jiao得de在zai乎hu的de話hua，那na麼me不bu管guan他ta有you多duo麼me成cheng功gong，他ta的de生sheng活huo也ye必bi然ran是shi一yi團tuan糟zao。

    5.為自己的理想而努力奮鬥

    jiusuannideshenghuoyouduomewanmei，niyeyinggaijingchangweizijishedingyigenulixiangyaodadaodemubiao。shenghuoruoshishiqumubiaodehua，niyejiushiqujinqudedongliertingzhibuqian。wozijipengdaozhezhongqingkuangdeshihou，wohuijiaodezijihaoxiangchengweishenghuodenuli。erjiejuezhegewentidezuijiabanfa，jiushiweizijishedingyigemubiao，bingweizhibuduannuli。

    生sheng活huo中zhong有you很hen多duo事shi情qing不bu在zai我wo們men掌zhang握wo之zhi中zhong
，但dan是shi為wei既ji定ding的de目mu標biao而er努nu力li，令ling我wo們men集ji中zhong精jing力li為wei生sheng活huo中zhong積ji極ji的de一yi麵mian而er努nu力li，也ye為wei我wo們men將jiang來lai的de成cheng功gong奠dian定ding基ji礎chu。不bu管guan你ni的de興xing趣qu在zai哪na裏li
，從cong現xian在zai開kai始shi盡jin管guan放fang手shou去qu做zuo。正zheng如ru老lao子zi所suo言yan：“千裏之行
，始於足下。”

    6.保持健康

    每mei個ge人ren都dou隻zhi有you一yi個ge身shen體ti，一yi旦dan壞huai掉diao，再zai怎zen麼me神shen通tong廣guang大da也ye無wu用yong武wu之zhi地di。多duo做zuo運yun動dong，別bie讓rang自zi己ji的de身shen體ti生sheng鏽xiu。不bu要yao去qu碰peng那na些xie對dui身shen體ti有you害hai的de東dong西xi和he不bu健jian康kang的de食shi品pin。雖sui然ran抵di抗kang誘you惑huo時shi那na種zhong自zi我wo否fou定ding的de心xin情qing確que實shi是shi挺ting難nan受shou的de
，但dan是shi想xiang到dao以yi後hou能neng夠gou有you一yi個ge健jian康kang的de身shen體ti，這zhe麼me點dian犧xi牲sheng又you算suan得de了le什shen麼me呢ne？