The Rules of Wealth: A Personal Code for Prosperity and Plenty

is the author of the international bestselling Rules books. Over 2 million people around the world have enjoyed and now play by Richard Templar's Rules. The complete list of titles is as follows: and

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! 188   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?   1 Don't judge   2 Don't envy it   3 Other people's money belongs to them   4 They can give it all away if they like   5a Once they've gone, you can't ask questions   5b Once they've gone, you can't ask questions   6 Blood comes before money   7 Your children owe you nothing   8 Don't make money taboo   9 If they give it to you, it's yours