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1. Spend less than you earn. OK, this is almost the only lesson you need, but it’s so important I’m going to break it down further. The biggest reason people get into financial problems is they spend money they don’t really have. Then you end up in the hole, and it’s hard to get out of the hole, and you work crazy hours to keep up with your spending, and you end up with a life that’s about nothing but trying to pay for all the spending on crap you don’t really need. 1. 花得要比赚的少。好吧，虽然这可能是你需要的唯一法则，但我很有必要深入解释一下。人们陷入资金危机的最大原因是入不敷出。你给自己挖了个大的资金缺口，自己却难以跳出这个坑来，然后你不得不拼命工作来维持收支平衡。最后你的人生就是在不断支付你那并不需要的花销中度过！ So spend less, work less, worry less, be happier. 所以少花一点，少工作一点，让自己更快乐一点。 2. Don’t get into debt. If you spend less than you earn, you won’t be in debt, obviously. It’s easy, though, to get a student credit card and put things on there if you don’t have the money right now. You can pay for it next week when you get your check, right? That’s a slippery slope. Student loans are another tool for getting over your head in debt. They’re not the worst debt if you’re paying for a degree that’s going to earn a lot of money, but most of us English majors aren’t going to get an $80K per year job and shouldn’t take out $80K in student loans. | 
