In Order To Live A Rich Life,

Take Free Money. No Matter How In Debt You Are, If Your Employer Offers A Matching Contribution On A 401(k) Or Other Retirement Vehicle, You Must Sign Up And Contribute Enough To Get The Maximum Company Match Each Year. Think Of It As A Bonus.

Absolutely Pay Off Credit Card Debt. If You're Not Getting A Match In Your 401(k) And You've Got Credit Card Debt, You've Got To Get Yourself Out Of Credit Card Debt. When You Get Out Of Credit Card Debt, Your Credit Score Goes Up And Interest Starts To Go Down.

Put Your Financial Life On Autopilot As A Form Of 'forced' Saving.

If You're Going To Live In The House Make It Your Goal To Just Pay Off Your Mortgage.

Here's My Gift-giving Rule: Respect Your Current Financial Situation.