10 rules for multiplying personal wealth

Rule 1: Be systematic, unemotional and diversified

Rule 2: Never spend principal

Rule 3: Never borrow money to buy a depreciating asset

Rule 4: Never save money in a spending account

Rule 5: Use half, save half

Rule 6: Always use matching money

Rule 7: Do not spend more than you make

Rule 8: Never leave undivided real property to joint beneficiaries

Rule 9: Never name co-trustees or co-executors of your estate

Rule 10: Above all --

Be happy with what you have, and it will lead to both unbelievable financial success and personal (not mere financial) wealth!