You will only begin building wealth when you start to realize that a part of all the money you earn is yours to keep. That is, pay yourself first. You always pay others for goods and services. Pay yourself as much as you can. Save money.

You should save at least 1/10th of what you earn. More if you can afford to do so.

Do not take advice on finance from a brick layer. Go to people who are experts in a particular subject if you want expert advice. It’s too easy for amateurs to give out advice.

Build for yourself a mountain of gold first, then you can enjoy as many banquets as you wish without worry. Don’t spend your money as soon as you earn it.

Surround yourself with people who are familiar with money, who work with it each day, and who make lots of it.

Enjoy life while you are here. Do not overstrain to save.

Do not put your money in investments which do not pay a dividend, but also do not invest in risky places that seem too good to be true.

What each person calls their “necessary expenses” will always grow to match your income unless you resist that urge. Do not confuse your necessary expenses with your desires.

“A man’s wealth is not in the coins in his purse. It is in his income.”

Ensure a future income. Every person gets old. Make sure your income will continue without work.

Buy life insurance. Provide in advance for the protection of your family.

Increase your ability to earn. Improve your skills. As you perfect your craft, your ability to earn more increases.

The more we know, the more we may earn. The person who seeks to know more of their craft is capable of earning more.

You cannot arrive at the fullest measure of success until you crush the spirit of procrastination within you.