Debt-free

A simple rule of thumb for money management is this: don't spend more than you earn.

That heuristic rings through beyond the world of finance.

In your relationships, don't take more than you have given.

For your health, don't deplete more than you've reserved. You build your reserve through healthy habits and meals.

In your work with others, don't promise more than you can deliver.

And when the only option you see is debt, don't borrow more than you can easily repay.

Build your earnings for the long term, and spend consciously. I’m not talking about money only.