1) Don’t try to improve yourself. Stick to the status quo. Act like you’re in a union. Only do what you are told to do.
2) Never leave the company you work for. Unless you are fired or laid off, don’t leave your current employer. You owe it to them to stick around for as long as possible.
3) Don’t track how much you earn and spend. Budgeting by far is the most difficult thing to do in personal finance. Just don’t do it.
4) Spend more than you earn. If the credit card company is willing to let you pay off that plasma TV next year, why shouldn’t you? You’re in your prime! You can save later and catch up. It’ll be easy then. But for now, an exercise machine looks' mighty fine.
5) Invest sometime later. Remember, you’ve got bills to pay. You’ll use next year’s raise, or wait until the kids move out of the house. Then you’ll have time and money.
