8This book Highlights the importance of investing in yourself. If you're spending less than you earn, you can take some of that money and improve yourself in various ways, particularly ways that have the potential to increase income in the future. Always remember to Spend less than you earn - and avoid lifestyle inflation even as your income goes up. If you manage to do that one thing - and it's the one thing that the vast majority of Americans fail at - then you're going to be all right when it comes to your financial future. When it comes to starting from scratch and building wealth when you start out with nothing, there's nothing more important than that one rule. Everything else follows from it. Financial freedom is the ability to sustain your chosen lifestyle without ever having to work again.