对于没有财务背景知识的人来说，个人理财方面有哪十件事是必须知道的？
1.少花多赚。简单十足的概念，却是最重要的规则。
2.首先投资你自己。在你拿到薪水时，首先为自己预留出一些钱，而不是首先还某人或某公司的债务。这种做法将决定未来你在理财方面是否有提升的空间。
3.每一块钱都是投资。即使你是去迪士尼乐园，这也是你对自己幸福感的投资，以及对建立同伴间的关系而进行的投资。你所花的每一块钱都要让你在某方面有所收获，避免仅仅带来瞬时快乐的行为。
4.学习如何做财务决策。学习永无止境。不管你毕业于哪所学校，都要保持阅读和学习的习惯。
5.不要听那些伪先知的话。和我鼓励你多去学习同理，做到“不理会那些做出坏榜样的人所提出的建议”很重要。如果你的父亲已经65岁了却还在碌碌无为的工作，那么在接受他给你的建议前要三思。相反，要多听成功人士的意见。
6.建立自己的财务安全机制，而不是让你的工作替你做这件事。这一点很重要，然而没有人能够完全做到这一点。当你获得一份工作时，你的雇主会让你与HR详谈，而一位不合格的HR会让你选择延迟领取退休金。HR没有财务相关的职业资格，所以他对你提出的建议很可能是不合法的。选择你自己的退休计划，这很可能会让你凌驾于雇主之上。
7.将税额最小化。你难道希望财务管理出现危机吗？我也不希望。学会如何在免税的前提下存钱并使钱增值。如果世界上前1%最富有的人可以，你也一样可以，有很多方法可以做到这一点。
8.任何消费都注重物超所值，记住绝对不买正价货！对于衣服，汽车保养，保险都是如此。如果你曾全额消费过某项服务，你一定是被坑了。
9.从健康和法律角度照顾好自己。吸烟的习惯会增加你的人身保险费。酒驾会使你失去获得所有人身保险的资格。这些生活方式会阻碍你在未来人生道路上获得自由。
10.你的时薪比年薪重要。年收入50,000美元，时薪500美元的人与年收入100,000，时薪50美元的人相比，有更多可以自由支配的时间。这是弄明白“谁才是真正的富有”最重要的概念。有些人生活并不富足，因为他们在积累财富和物质资产方面耗费大量时间。而有些人生活富足，因为他们可以随心所欲按照自己的意愿来支配时间。
（我是从哪得到这些知识的：《每周工作四小时》/《思考致富》/《金融营销培训》）
1.按照自己的方式生活。
2.从第一笔薪水开始储蓄。
3.在职业生涯中尽早建立起退休账户。
4.领会复利的概念
5.设定家庭预算，并严格遵守执行。
6.克制自己的消费欲望会带来更多结余，但是偶尔也应该犒劳下自己（换言之，不要养成挥霍的生活习惯就好）。
7.一次性全额还清你的信用卡账单。
8.如果你没有钱，那么就不要去购物（不包括房子，汽车和其他大件商品）
9.学习让自己如何变得更节约，这样你就可以做出更明智的购物选择。
10.你的收入会随工作年限增加而增加。你可能在工作的头几年中饱受贷款的困扰，但是在未来的10年或20年中，随着你收入的增加，贷款的压力会随之减轻。适当考虑下今后这些年中将会做的其他大额支出。
以下为英文原文：
1. Spend less than your cash flow. Easy enough concept, and it is the number one rule.
2. Pay yourself first. When you get your paycheck, set money aside for yourself before any person or company you owe. This will determine whether you move up financially or not.
3. Every dollar is an investment. Even if you are going to Disneyland, it is an investment into your personal happiness and an investment into the relationships you are building with your companions. Every dollar you spend must be advancing you in some way. This will fight off instant gratification.
4. Always expand your knowledge on making financial choices. You have never learned everything you need to know. I don't care what school you went to. Keep reading, keep learning.
5. Don't listen to false prophets. Just as I encourage you to learn more, it is important to tune out of the advice of people who set bad examples. If your dad is 65 years old and still has not retired, you might want to think twice about following his instructions. Instead, listen to high-identity people.
6. Set yourself up for financial security, don't have your job do it for you. This is so important, and yet absolutely no one follows this rule. If you get a job, your employer will sit you down with HR, and an unqualified person from HR will give you deferred compensation options. This person is not licensed in financial options, and so cannot legally advise you. Choose your own retirement vehicles, because it is very likely you can hop employers.
7. Minimize your taxes. Do you like financing war? Me neither. Learn how to store and grow your money tax free. If the top 1% can do it, so can you. There are ways.
8. Shop for competing prices for everything and never buy anything at full price! Clothes, car maintenance, insurance. If you are ever paying full price for a service, you are being exploited.
9. Take care of yourself physically and legally. Smoking will raise your life and health premiums. Getting a DUI will disqualify you from life insurance all together. This closes doors that can save you from being a slave till the end of your days.
10. Your hourly earnings are important. Your annual earnings are not. Someone making $50,000 a year at $500 an hour has more of their time (meaning their life) than someone making $100,000 at $50 an hour. This is the single most important concept in understanding who is rich and who is not.Someone is not living an enriched life because they have amassed wealth and material possessions. Someone is living an enriched life because they have the freedom to spend their time how they wish!
Places of which I've gained wisdom:
*The Four Hour Work Week
*Think and Grow Rich
*Finance Marketing Training
Live within your means
Start saving from your first paycheck
Set up a retirement account as early in your work career as possible
Appreciate the concept of compounding interest
Setup a household budget and stick to it
Personal sacrifice will result in more savings, but you should treat yourself to the things you want every once in a while (i.e. don't make splurging your lifestyle)
When your credit card bill comes, pay it off in its entirety.
If you don't have the money, you shouldn't buy (excludes house, car and other big ticket items)
Educate yourself how you can live frugally, so you can make better buying choices
Your income will grow over your working life. You may struggle to make your mortgage payments early in your career, but 10 or 20 years from now, it will progressively get easier as your income grows. Consider making additional principal payments in the latter years.
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