Avoid debt on depreciating assets, and never incur debt in order to assuage your vanity (see rule number one). Debt has become normative, but don’t blithely accept it as a rite of passage into adulthood—debt represents imbalance and, in some sense, often a resignation of control. If you can’t avoid it, though, make sure that your degree is an investment rather than a liability.If you’re just dropping tuition dollars for lack of a better idea at the moment, just withdraw and go wander around Europe for a few weeks—I guarantee you’ll spend less and learn more in the process.

Money is expensive.

When you understand the world around you as a massive web of interconnected, largely interdependent systems, things get much less mystifying—and the less we either ascribe to magic or allow to exist behind a fog, the less susceptible we’ll be to all manner of being taken advantage of.

 Learn to see reality in terms of systems.

I mean, there’s a lot of it—trillions upon trillions of dollars floating around the world, largely made up of cash whose value is made up and ascribed to it, anyway. Don’t engineer your life around getting a slightly less tiny portion of this pile, and make your spirit of generosity reflect this principle. I knew a man who became driven by the desire to amass six figures in savings, so he worked and scrimped and sacrificed to get there. And he did… right before he died of cancer. I’m sure his wife’s new husband appreciated his diligence.

Money is cheap.

You need others in a sense that you need to be part of a community—there’s a reason we reflexively pity hermits. Regardless of your theory of anthropogenesis, it’s hard to deny that we are built for community, and that ‘we’ is always more than ‘me.’ However, you don’t need another person to make your life have meaning—this idea that Disney has shoved through our eyeballs, that there’s someone out there for all of us if we’ll just believe hard enough and never stop searching.Establish your own life—then, if there’s a particular person that you can’t help but integrate, believe me, you’ll know.

You both need and don’t need other people.

I believe we’re responsible to everyone for something, even if it’s something as basic as an affirmation of their humanity. However, it should most often go far beyond that and manifest itself in service to others, to being a voice for the voiceless. If you’re reading this, there are those around you who toil under burdens larger than yours, who stand in need of touch and respect and chances. Conversely, though, you’re responsible for yourself. Nobody else is going to find success for you, and nobody else is going to instill happiness into you from the outside. That’s on you.

You are responsible for everyone, and yourself

Got a new car? Nobody cares. You’ll get some gawkers for a couple of weeks—they don’t care. They’re curious. Three weeks in it’ll be just another shiny blob among all the thousands of others crawling down the freeway and sitting in garages and driveways up and down your street. People will care about your car just as much as you care about all of those. Got a new gewgaw? New wardrobe? Went to a swanky restaurant? Exotic vacation? Nobody cares. Don’t base your happiness on people’s caring, because they won’t. And if they do, they either want your stuff or hate you for it.

Nobody cares, and if they do, you shouldn’t care  that they care

Occasionally, people in your life will defy the odds and actually care about you. Still not your stuff, sorry. But if they value you, they’ll value that you value it, and they’ll listen. When you talk about all of those things that nobody else cares about, they will look into your eyes and consume your words, and in that moment you will know that every part of them is there with you.

Some rulebreakers will break rule number one.

Marry them. Befriend them. Work with them. Spend weekends with them. No matter how much power you become possessed of, you’ll never be able to make someone care—so gather close the caring.

Spend your life with rulebreakers.

Sometimes chaos consumes the most meticulous of plans, and if you live life with no margins in a financial, emotional, or any other sense, you will be subject to its whims. Take risks, but backstop them with something—I strongly suspect these people who say having a Plan B is a sign of weak commitment aren’t living hand to mouth. Do what you need to in order to keep your footing.

 Account for the threat of black swan events.

The elements of rhetoric, are what make the world go around—because they are what prompt the decisions people make. If you develop an understanding of how they work, while everyone else is frightened by flames and booming voices, you will be able to see behind veils of communication.You’ll find yourself able to craft speech in ways that influence people. When you know how to speak in order to change someone’s mind, to instill confidence in someone, then you will know this power firsthand. However, bear in mind as you use it that your opponent in any debate is not the person, but ignorance.

Learn the ancient art of rhetoric.

What are the top 10 things everyone needs to know in life? After leading a life for so many years, here're something you may not have been informed about.