An old saying goes, "You can't build wealth by buying things you don't need,
with money you don't have, to impress people you don't like." So how do you
build wealth? Read on...

There are basically only four roads to wealth:

   - You can marry it (don't laugh, some do);
   - You can inherit it (others do that);
   - You can get a windfall (from a lawsuit settlement, lottery, or some
   other unexpected good fortune); or
   - You can accumulate it.

Most of us are stuck with option #4 -- accumulate it. To do so, you need to
understand how to manage cash flow.

First, look at your annual earnings and multiply that figure by your working
years. Not counting inflation (that is, pay raises along the way), the
result may total several million dollars.

Whether you will have that several million dollars by retirement, though,
depends on how you manage your cash flow - and how you answer the following
questions: What do you need now, what do you want now, and what can you save
and invest for the future?

Here are ten time-tested rules that can weather the stormiest market cycles.
*Click NEXT to read further...*

*Photographs: *Illustration, Uttam Ghosh
http://business.rediff.com/slide-show/2010/jan/29/slide-show-1-perfin-10-rules-for-building-wealth-through-good-times-and-bad.htm#contentTop

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