1) do not buy house that cost you more then 2 and 1/2 years of your income
2) save 10% of your income towards your retirement.
3) percentage of portfolio invested in bonds/stock EQUAL TO your AGE
4) never withdraw more then 4% from your retirement savings
5) Stock market would avg. return 10% (long term)
6) emergency fund - 6 month worth of house hold expanses
7) pay high interest credit card bill (debt) first
8) you should have 5 times of your gross salary for unexpected life insurance for family
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follow this rules
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