Rules of Wealth, The: A Personal Code for Prosperity and Plenty, 5th edition

Published by Pearson Business (February 7, 2023) © 2023

  • Richard Templar
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A personal code for prosperity and plenty

Some people seem to find money so easy. Easy to make, easy to hold on to, and easy to grow. The rest of us just find it easy to spend.

Is it all luck, or is there something rich people know or do that we don't? Is it something we could all learn? The answer is a resounding yes. They know the Rules of wealth.

The Rules of Wealth are the guiding principles that will help you generate more money, handle it more wisely, grow it more effectively, and use it to live a happier, more fulfilling and comfortable life. In this new edition of the worldwide bestseller, Richard Templar has added 10 brand new Rules to make your life even more rewarding.

If you dream of having enough money never to worry about it ever again, you need The Rules of Wealth.

  • 1 Anybody can be wealthy - you just need to apply yourself
  • 2 Decide on your definition of wealth
  • 3 Set your objectives
  • 4 Keep it under your hat
  • 5 Most people are too lazy to be wealthy
  • 6 Get a reality check
  • 7 Understand your money beliefs and where they come from
  • 8 Understand that wealth is a consequence, not a reward
  • 9 Decide what you want money for
  • 10 Understand that money begets money
  • 11 Calculate the net return
  • 12 If you see money as the solution you'll find it becomes the problem
  • 13 You can make lots of money, you can enjoy your job, and you can sleep nights
  • 14 Don't make money by being bad
  • 15 Money and happiness - understand their relationship
  • 16 Know the difference between price and value
  • 17 Know how the wealthy think
  • 18 Don't envy what others have
  • 19 It's harder to manage yourself than it is to manage your money
  • 20 You've got to know where you are before you start
  • 21 You've got to have a plan
  • 22 Get your finances under control
  • 23 Insurance pays someone, and odds are it's not you
  • 24 Only by looking wealthy can you become wealthy
  • 25 Speculate to accumulate (no, this isn't gambling)
  • 26 Decide your attitude to risk
  • 27 Think through the alternatives to taking a risk
  • 28 If you don't trust someone, don't do business with them
  • 29 It's never too late to start getting wealthy
  • 30 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 life
  • 32 You have to work hard to get rich enough not to have to work hard
  • 33 Learn the art of deal making
  • 34 Learn the art of negotiating
  • 35 Small economies won't make you wealthy but they will make you miserable
  • 36 Real wealth comes from deals not fees
  • 37 Understand that working for others won't necessarily make you rich - but it might
  • 38 Don't waste time procrastinating - make money decisions quickly
  • 39 Work as if you didn't need the money
  • 40 Spend less than you earn
  • 41 Don't borrow money - unless you really, really have to
  • 42 Consider consolidating debts
  • 43 Cultivate a skill and it'll repay you over and over again
  • 44 Pay off your loans and debts as a priority
  • 45 Don't be too busy earning a living to make some money
  • 46 Save in big chunks - or should you?
  • 47 Don't rent, buy
  • 48 Understand what investing really means
  • 49 Build a bit of capital then invest it wisely
  • 50 Understand that property, in the long run, will not outpace shares
  • 51 Master the art of selling
  • 52 See yourself as others do
  • 53 Don't believe you can always win
  • 54 Don't pick stocks yourself if you don't know what you're doing
  • 55 Understand how the stock market really works
  • 56 Only buy shares (or anything) you can understand
  • 57 Use your head
  • 58 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 it
  • 60 Don't fiddle
  • 61 Think long term
  • 62 Have a set time of day to work on your wealth strategy
  • 63 Pay attention to detail
  • 64 Create new income streams
  • 65 Learn to play 'What if?'
  • 66 Control spending impulses
  • 67 Don't answer ads that promise get-rich-quick schemes - it won't be you who gets rich quick
  • 68 There are no secrets
  • 69 Don't just read this - do something  
  • 70 Carry out a finance health check regularly
  • 71 Get some money mentors
  • 72 Play your hunches
  • 73 Don't sit back
  • 74 Get someone to do the stuff you can't
  • 75 Know yourself - solo, duo or team player
  • 76 Look for the hidden asset/opportunity
  • 77 Don't try to get rich too quickly
  • 78 Always ask what's in it for them
  • 79 Make your money work for you
  • 80 Know when to let go of investments
  • 81 Know your own style
  • 82 Know why you should be able to read a balance sheet - and how
  • 83 Be one step ahead of your tax collector
  • 84 Learn how to make your assets work for you
  • 85 Don't ever believe you're only worth what you are being paid
  • 86 Don't follow the same route as everyone else
  • 87 Shop for quality
  • 88 Check the small print
  • 89 Don't spend it before you've got it
  • 90 Put something aside for your old age - no, more than that!
  • 91 Put something aside for emergencies/rainy days - the contingency fund
  • 92 You paid what for it? How to shop around
  • 93 Never borrow money from friends or family (but you can allow them to invest)
  • 94 Don't surrender equity
  • 95 Know when to stop sharing your wealth
  • 96 Use your wealth wisely
  • 97 Never lend money to friends or family unless you are prepared to write it off
  • 98 Don't lend, take equities
  • 99 You really, really can't take it with you
  • 100 Know when/how to say no - and yes
  • 101 Find ways to give people money without them feeling they are in your debt
  • 102 Don't over-protect your children from the valuable experience of poverty
  • 103 Know how to choose charities/good causes
  • 104 Spend your own money because no one will spend it as wisely as you
  • 105 Take responsibility before you take advice
  • 106 Once you've got it, don't flaunt it
  • 107 What's next? Pacts with the devil?

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