1. Car: Riding a bike or bus to work. Think of saving the car insurance and cost of gas for years before buying your dream car.
2. House: Settling for a room to rent or mobile home or community house sharing. Think Income first before Spending.  This means buying a fourplex as your first home or a house that you can rent out first and own the second or third house while maintaining the rental homes. Know capital gains and ways to control them thru sound investing and business structuring.
3. Emergency Fund for unforeseen events like car repairs, college teens, lost job or lost opportunity. Cutting on stuff that you want to cut back on like expensive vacations to fatten your emergency funds first.
4. Emotional about spending, mortgage worries. The reality of being debt-free is more important than joining or copying the Joneses.    Buying stuff second hand.
5. Saving in your net worth personal banking , be it in your bank savings account, cash value life insurance, managed stock savings/account, bonds, others.
6. Negotiate everything or trade/barter services for stuff.
7. Challenge Are you getting value in your gym membership?
8. Marry someone with same level of ambition, personal finance habits and enterprenueral spirit as you.
9. Walk your talk when guiding your children about finances. Allow them to work during summer break or school break to learn the value of money. Use a revocable living trust to transfer assets to them.
10. Take care of your health for in the end, when your health fails you might end up selling your houses to pay for nursing home. Health first and then wealth Or move to other countries or cities to downsize and afford retirement.
11. Use a business structure and financial strategy to write off most of your expenses and save the extra when you minus your lifestyle from your gross income. For this one, contact Connie Dello Buono to help you reduce your income tax using a business structure and financial strategy at 408-854-1883 conniedbuono@gmail.com , motherhealth@gmail.com

Donate your real estate to the following charities: Motherhealth Inc for affordable senior care and Green Research Institute for sustainability at 1708 Hallmark Lane San Jose CA 95124. Contact Connie Dello Buono.