Live beneath your means

Live beneath your means. Return everything you borrow. Stop blaming other people. Admit it when you make a mistake. Give clothes not worn to charity. Do something nice and try not to get caught. Listen more, talk less. Every day take a 30-minute walk. Strive for excellence, not perfection. Be on time. Don't make excuses. Don't argue. Get organized. Be kind to people. be kind to unkind people. Let someone cut ahead of you in line. Take time to be alone. Cultivate good manners. Be humble.

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Don't buy things you can't afford with money you don't have to impress people you don't like. ~ Dave Ramsey

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The most important financial decision you will ever make is to live below your means

85? I know people with relatives living up to 104 and 107... Good quality living too. Imagine 50 years from now... It is very wise to always live below your means financially. Of course living simply can incorporate certain luxuries, but hopefully you'll enjoy a better quality of life than merely living for creature comforts.