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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.
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.
不要陷入债务中。很显然，如果你花得比赚的少，你就不会陷入债务中。虽然即使你现在没钱也可以拿到一张学生信用卡，买到自己想要的东西，然后在下个星期账单送到时支付对吗？这其实是滑坡谬论。学生贷款是让人暂时忘却债务的另一种工具，如果你将这笔贷款用于将来能赚很多钱的学位上，那么它们并不是最糟糕的债务。但英语专业的大部分学生将来不可能得到一份年薪8万美金的工作，所以也没必要高额贷款。
3. Savings is your first bill to pay. If you spend less than you earn, save the rest. Make the savings an automatic payment that happens every payday, and make it the first and most important bill you pay. Not optional. You'll be glad as the savings grows, and especially when emergencies come up.
节约是你要支付的第一份账单。如果你花得比你赚的少，记得把剩下的存起来。让储蓄成为每天的自动支付行为，把它当做你要支付的第一笔，也是最重要的一笔账单，而不是可有可无的。看着存款增加你一定会非常开心，特别是有什么紧急状况发生时。
