1. Understand the basics of asset allocation, taxes and account types. Read Bernstein for primers on these. 2. Be highly skeptical of most of the financial ser

1. Understand the basics of asset allocation, taxes and account types. Read Bernstein for primers on these. 2. Be highly skeptical of most of the financial services industry, especially those selling load funds, insurance, annuities, and who want to manage your money. 3. Enjoy simple cars, or no car if you can manage. The amount of money I've seen friends and family dump into vehicles over 25 years is staggering. I don't even see cars at this point. I don't care what others drive, and I don't care what I drive so long as it's reasonably comfortable, safe, economical.