The final step is the hardest: staying the course. Richards concludes that the most important factor in financial success is not intelligence, luck, or advanced investment strategies. It is consistent, disciplined behavior over a really long time.
理查兹曾说过一句极具哲理的话：“计划应该用铅笔写，而不是刻在石头上”。这句话恰如其分地总结了整本书的灵魂——理财最重要的是建立一个可重复的行为流程，而不是试图预测未来。
Your net worth is a simple snapshot of your financial health. Make a list of everything you own (assets) and subtract everything you owe (liabilities).