The Rules of Wealth: A Personal Code for Prosperity and Plenty

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January 2023

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The Rules of Wealth: A Personal Code for Prosperity and Plenty


Get ready to experience the Rules effect. Begin to get more out of life, shrug off adversity more easily and generally be a happier, calmer, more fulfilled person. You’ll feel the benefits, and so will everyone around you. 

Table of Contents

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 (but don’t be used by them) 

59 If you are 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  

Getting 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, duo 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! 188 

 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?  

The Rules of other people’s wealth  

1 Don’t judge  

2 Don’t envy it  

3 Other people’s money belongs to them  

4 They can give it all away if they like  

5a Once they’ve gone, you can’t ask questions  

5b Once they’ve gone, you can’t ask questions  

6 Blood comes before money  

7 Your children owe you nothing  

8 Don’t make money taboo  

9 If they give it to you, it’s yours  


Back Cover

A personal code for prosperity and plenty 

Some people seem to find money so easy. Easy to make, easy to hold on to, and easy to grow. The rest of us just find it easy to spend. 

Is it all luck, or is there something rich people know or do that we don’t? Is it something we could all learn? The answer is a resounding yes. They know the Rules of wealth. 

The Rules of Wealth are the guiding principles that will help you generate more money, handle it more wisely, grow it more effectively, and use it to live a happier, more fulfilling and comfortable life. In this new edition of the worldwide bestseller, Richard Templar has added 10 brand new Rules to make your life even more rewarding.


If you dream of having enough money never to worry about it ever again, you need The Rules of Wealth. 


Richard Templar is the author of the international bestselling Rules books. Over 2 million people around the world have enjoyed and now play by Richard Templar's Rules. The complete list of titles is as follows: The Rules of Life, The Rules of Work, The Rules of Management, The Rules of Wealth, The Rules of Parenting, The Rules of Love, The Rules to Break, The Rules of People, The Rules of Thinking, and The Rules of Living Well.