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In the image above you'll see a pile of old credit cards I had accumulated during years of buying what I wanted (or thought I needed) and worrying about the consequences later. During that time, in addition to the credit card spending, I bought vehicles with nothing-down financing, and I bought a home I absolutely could not afford. I was out of control. Embarrassingly, through my formal education I knew a fair amount of money theory , but I had to learn the hard way that, in

I want to share with you the concept of Governing Financial Principles (GFPs). Once implemented, these principles are your financial Commandments or Constitution, guiding all decisions you make about how to handle your money. GFPs should be developed based on what you value most. And because the principles reflect your values, they should be always  or never  propositions; not maybe , or I'll do it unless it gets too difficult . If you do this right, you will end up with unbr