Richard Templar is an astute observer of human behaviour and understands what makes the difference between those of us that effortlessly glide towards success and those of us that struggle against the tide. He has distilled these observations into his Rules titles. Over 1 million people around the world have enjoyed and now play by Richard Templar's Rules.

Acknowledgements Introduction Thinking Wealthy 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 Getting Wealthy 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 59. If you're 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 Get Even Wealthier 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, duet 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 Staying Wealthy 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! 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?