1) Don't get into debt for things you can live without - Every time you want to spend money on a thing you cannot pay cash for; ask yourself this important question - Can I still breathe, eat, drink and have sex if I don't buy this thing? If the answer is YES, then don't take a loan to have it. Remember this: CREDIT CARDS are EVIL - they lull you in thinking you can afford something you don't need. 2) Don't get a job - getting a job means you put yourself in a false sense of security. You think all you have to do in life is breathe, eat, drink and have sex then you poke your ATM card in the ATM machine and voila!! you have money to continue to breathe, eat, drink and have sex for another month. Create jobs and encourage your staff to be entrepreneurs. Don't just be a consumer. Be the supplier. 3) Don't worry about the future - you can't do anything about the future. In this age of the internet, things change faster than they did 20 years