We all have our own financial codes to live by. Mine is more simple and pragmatic. I believe as long as we try to stick to it diligently, less/no financial turmoil will come our way. Here are three financial codes that I live by: 1) Do not over leverage your money. Spend less than you earn and save the rest. Attaining financial freedom is a long term process. Abusing your credit card to fulfill short term wants is a recipe for disaster. You can look and plan further than that. 2) Know what you want and do not be influence by your peers. After I knew I was going to be a father, I opted for a term insurance plan because my aim is to protect my child and wife incase anything bad were to happen to me within this 25 years. Thats all I need, and thats all I ......