1. Respect The Time Value Of Money

    a. Earn Your Money Before You Spend It.

    b. Spend Less Than You Earn

    c. Borrow Only As An Investment
        Borrow only for goods and services which will earn more
        than the interest + principle cost of the borrowed money

2. Never Overpay Your Taxes

    a. Pay Yourself First

    b. Let Tax Laws Increase The Power Of Rational Borrowing