Formulate a Financial Plan

Know Your Net Worth

Manage & Minimize Debt

Accumulate Assets

Budget to Live Within Your Means

Understand Investing Basics

Plan for Retirement

Insure People & Property

Deal with Financial Advisors

Review Your Employment Contract

Make Plans for Your Estate

Make Good Decisions


You’re probably already familiar with this exhortation. Living within your means suggests you have a balanced budget which allows you to meet all household obligations without taking on more debt. Consistently living within your means puts you on a steady path to financial independence.

An even more advantageous situation is one where you live below your means, because that allows you to save even more money which can be used to pay down debt or invest, accelerating your path to financial independence. This book’s budgeting chapter provides guidance on how you can achieve these goals.