4. Never Live Beyond Your Means.
生活费用绝不要超支。
Throughout life try to keep your spending within your income and so save a little. Avoid getting into debt if possible. There are some exceptions--like getting a mortgage to buy a house--but generally if you can live within your means you will avoid all sorts of problems.
生活上要努力保持收支平衡,所以应该存点钱。在可能的情况下避免负债。当然可以有些例外——如抵押贷款买房子——但是总的来说,如果你能保持收支平衡就能避免各种麻烦。