Make Enough Money         

The important word here is “enough”. Having more money is the key to happiness for some people, but not for others. But, either way, money problems cause grief and strain relationships. Understand your own point of balance. How much money does it take to satisfy your ideal lifestyle? Your debts? Your savings goals? It may be that you’ll want to focus more on making money rather than cutting expenses. Always be in charge of your choices and the consequences that go with them.

Invest, Don't Gamble         

Maybe you have a lucky friend or family member who took the only $10,000 they had, bought a hot tech stock, then cashed out with double their money. That’s a gambler, not an investor. You need to know the difference. Gamblers rely on luck and chance – maybe you’ll roll double-sixes, maybe you’ll get snake eyes. Investors put their cash only into things they understand, that have been proven to work time and again. They rarely hit the jackpot, but they also rarely lose it all either, and history says they’ll make money. Which do you want to be?