10 Foundations of Personal Finance

To start my personal finance series I thought I would start with the following foundations on personal finance. I will follow up with a post on each of these individual topics:

#1 Spend less than you make

#2 Create and stick to a budget

#3 Make savings automatic

#4 Accumulate assets that appreciate in value

#5 Avoid assets that depreciate in value

#6 Invest your savings early and often

#7 Live almost debt free

#8 80% of personal finance is behavior 20% is knowledge and the numbers

#9 Your retirement is YOUR responsibility

#10 To be successful you and your partner must agree on these principles

Most personal finance topics can be attributed back to one of these principles. Did I miss any?