Lots of these are mutually exclusive. Don't sweat work and work 8 hours a day, but if you're in debt, work hard. Don't spend any money and live like the average

Lots of these are mutually exclusive. Don't sweat work and work 8 hours a day, but if you're in debt, work hard. Don't spend any money and live like the average person and don't drink but fall in love. Where will you meet this person who loves your boring frugal 20 year old self? Don't go out, but enjoy sex now. Don't be in debt but follow your dreams.