Live beyond your means but spend within them.
Take your steady out for that $350 dinner after the big promotion. You might just have to eat PB&J for a week to make it happen.

Splurge when it makes sense.
Buy the designer jeans you can't live without in your size, at full price. But you better walk away from last season's must-have sweater, even if it is 75 percent off

Make more money with your money.
Invest in stocks to make the big bucks and start saving for retirement now.
You want to be debt-free in your swinging...