The Rules of Wealth: A Personal Code for Prosperity and Plenty

Richard Templar is the author of the international bestselling Rules books. Over 2 million people around the world have enjoyed and now play by Richard Templar's Rules. The complete list of titles is as follows: The Rules of Life, The Rules of Work, The Rules of Management, The Rules of Wealth, The Rules of Parenting, The Rules of Love, The Rules to Break, The Rules of People, The Rules of Thinking, and The Rules of Living Well.

• 1 Anybody can be wealthy - you just need to apply yourself2 Decide on your definition of wealth3 Set your objectives4 Keep it under your hat5 Most people are too lazy to be wealthy6 Get a reality check7 Understand your money beliefs and where they come from8 Understand that wealth is a consequence, not a reward9 Decide what you want money for10 Understand that money begets money11 Calculate the net return12 If you see money as the solution you'll find it becomes the problem13 You can make lots of money, you can enjoy your job, and you can sleep nights14 Don't make money by being bad15 Money and happiness - understand their relationship16 Know the difference between price and value17 Know how the wealthy think18 Don't envy what others have19 It's harder to manage yourself than it is to manage your money20 You've got to know where you are before you start21 You've got to have a plan22 Get your finances under control23 Insurance pays someone, and odds are it's not you24 Only by looking wealthy can you become wealthy25 Speculate to accumulate (no, this isn't gambling)26 Decide your attitude to risk27 Think through the alternatives to taking a risk28 If you don't trust someone, don't do business with them29 It's never too late to start getting wealthy30 Start saving young (or teach your kids this one if it's too late for you) 31 Understand that your financial needs change at different stages of your life32 You have to work hard to get rich enough not to have to work hard33 Learn the art of deal making34 Learn the art of negotiating35 Small economies won't make you wealthy but they will make you miserable36 Real wealth comes from deals not fees37 Understand that working for others won't necessarily make you rich - but it might38 Don't waste time procrastinating - make money decisions quickly39 Work as if you didn't need the money40 Spend less than you earn41 Don't borrow money - unless you really, really have to42 Consider consolidating debts43 Cultivate a skill and it'll repay you over and over again44 Pay off your loans and debts as a priority45 Don't be too busy earning a living to make some money46 Save in big chunks - or should you?47 Don't rent, buy48 Understand what investing really means49 Build a bit of capital then invest it wisely50 Understand that property, in the long run, will not outpace shares51 Master the art of selling52 See yourself as others do53 Don't believe you can always win54 Don't pick stocks yourself if you don't know what you're doing55 Understand how the stock market really works56 Only buy shares (or anything) you can understand57 Use your head58 By all means, use the investment professionals (but don't be used by them)59 If you are going to get financial advice, pay for it60 Don't fiddle61 Think long term62 Have a set time of day to work on your wealth strategy63 Pay attention to detail64 Create new income streams65 Learn to play 'What if?'66 Control spending impulses67 Don't answer ads that promise get-rich-quick schemes - it won't be you who gets rich quick68 There are no secrets69 Don't just read this - do something  70 Carry out a finance health check regularly71 Get some money mentors72 Play your hunches73 Don't sit back74 Get someone to do the stuff you can't75 Know yourself - solo, duo or team player76 Look for the hidden asset/opportunity77 Don't try to get rich too quickly78 Always ask what's in it for them79 Make your money work for you80 Know when to let go of investments81 Know your own style82 Know why you should be able to read a balance sheet - and how83 Be one step ahead of your tax collector84 Learn how to make your assets work for you85 Don't ever believe you're only worth what you are being paid86 Don't follow the same route as everyone else87 Shop for quality88 Check the small print89 Don't spend it before you've got it90 Put something aside for your old age - no, more than that!91 Put something aside for emergencies/rainy days - the contingency fund92 You paid what for it? How to shop around93 Never borrow money from friends or family (but you can allow them to invest)94 Don't surrender equity95 Know when to stop sharing your wealth96 Use your wealth wisely97 Never lend money to friends or family unless you are prepared to write it off98 Don't lend, take equities99 You really, really can't take it with you100 Know when/how to say no - and yes101 Find ways to give people money without them feeling they are in your debt102 Don't over-protect your children from the valuable experience of poverty103 Know how to choose charities/good causes104 Spend your own money because no one will spend it as wisely as you105 Take responsibility before you take advice106 Once you've got it, don't flaunt it107 What's next? Pacts with the devil?