1 Pay Yourself First

2 Define your financial target at each phase

3 Stop spending on things that decline in value

4 Protect your greatest income generating asset: Yourself

5 Grow with the economy and beat inflation

6 Trust the power of compound interest

7 Assess risks and options: The higher the return, the higher the risk

8 Make money work for you: The power of leverage

9 Invest and diversify

10 Use the power of one: Strength in numbers