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How to Live a Rich and Fulfilling Life – The Five Golden Rules

tpsdave / Pixabay

tpsdave / Pixabay

“Doing what you love is the cornerstone of having abundance in your life.” – Wayne Dyer

“Don’t die with your music still inside you. Listen to your intuitive inner voice and find what passion stirs your soul.” – Wayne Dyer

Let’s just get to it. Here are five simple rules we should all live by if we truly want to live a richer and fuller life.

1. Live Debt-free – Pay cash for everything…even the big purchases. The car. The furniture. The trip to Europe. Even your house.

I know that last one may be a bit unrealistic for most of us but at the very least try not to do more than a fifteen year mortgage with the goal of paying it off sooner if you can. The point is, debt is evil and the only thing you should ever, ever owe money on is your house if that’s the only way you can own one in the long-run.

Debt is like a noose around your neck that tightens the deeper you get into it…choking the life out of any hope of ever being wealthy and financially secure.

I don’t need to be a money expert to advise you to get out of debt NOW if you’re in it and to never get in it again if you’ve managed to escape it. If you’ve been smart or lucky enough to avoid the debt trap thus far, Congratulations! Skip down to #2.

If you haven’t been so wise or lucky, read on.

Had I avoided the debt trap (both times! Yeah I was apparently not the smartest in my finance class) I would be a lot further along in building my personal wealth right now and I’d be taking my kids to Disney this Christmas. Not to mention I would just be living with a greater sense of peace and I would have more options and the ability to do more of the things I want to do like take flying lessons to get my pilots license which cost about eight thousand dollars which I have spent ten-fold on shit I didn’t need or love (see #4) and now have nothing to show for it.

Did I mention that DEBT IS EVIL?! If you are in its grips…Escape it as quickly as you can and never look back or allow it to get its dirty, creepy hands on you again. EVER!

I am on track to being out of debt within a year or sooner.   I am officially DEBT FREE! Yep! Debt-free land is bliss. And I invite you to join me here.

So please vow with me, right here, right now to get out of debt as soon as it is humanly possible and to then live a debt-free life as long as you live and breathe on this great green Earth. Swear it! Do a pinky ring swear. Write it in blood. Swear on a bible. Do whatever you have to do to commit to this promise and keep it.

SIDEBAR: I know some of you will disagree that debt is always evil especially if it is responsibly used to finance your dreams and a bigger vision that will one day pay off. Or to simple put food on the table. So yes I agree but please make sure that that debt is working it’s ass off for you and will allow you to realize Big dreams in a Big way without bleeding you dry  – leaving you broke and tired. There has got to be a bigger payoff in the foreseeable future. Moving on…

2. Pay yourself first – I mean you are the one who worked all those hours giving blood, sweat and tears to make your money, the very least you can do is pay yourself first.

But what does paying yourself really mean?

Instead of trying to come up with an answer I’ll just quote J.D. Roth of Get Rich Slowly who gives a pretty succinct and clear answer stating that “To pay yourself first means simply this: Before you pay your bills, before you buy groceries, before you do anything else, set aside a portion of your income to save. Put the money into your 401(k), your Roth IRA, or your savings account. The first bill you pay each month should be to yourself. This habit, developed early, can help you build tremendous wealth.”

So there you have it.

Pay yourself first. It’s your money. You earned it. So keep some of it before you start giving it away.

3. Give – Oh yes, the paradox of life and money. But you really do have to save a little (or a lot) AND give a little (or a lot). The Universe likes things to flow. To circulate.

We all have something to give. If you can’t give money, you can give your time and talents.

The bottom-line is you must give in order to receive. This is just a basic principle of life. Law of the universe. Give & Receive. Ebb and flow.

Besides, giving makes you, the giver, feel just as good as the one receiving from you.

So give with an open heart (and wallet) and let the riches of life come back to you ten-fold.

4. Love it – This one is a challenge for many of us but I have learned to abide by it more and more. Loving it means you don’t buy or invest your money in anything that you don’t absolutely love. This sounds easy but many of us buy on impulse without really stopping to consider whether we love something or just simply like it and think we want it.

When you try on clothes or see a piece of furniture your reaction should be “OMG, I love that and have to have it.” If it’s not a big ticket item you should feel free to buy it and adore it for years to come. If it is a more costly item then you should walk away from it and give yourself a cooling off period. If you can’t stop thinking about it a week or two later then figure out a way to purchase it or save for it. If you really love it you’ll still love it in a few weeks when you go back for it or in a few months after you’ve saved for it. I wanted an iphone from the time they first came out but it wasn’t in the budget. Now years later I finally have one and I love it more than ever.

This makes purchasing decisions really easy. Because either you absolutely love it or you don’t. If you don’t love it don’t buy it. It’s that simple.

Yet so many times we buy things because we aren’t willing to wait for the perfect thing to come along. We think we need something and so we go out and buy the first thing we see and spend very little time shopping around in the search for just the right thing that causes you to stop in your tracks and say… “YES! that was made for me, that has my name written all over it.”


  • Don’t buy something just because you have money to burn.
  • Don’t buy it if you’re lukewarm about it.
  • Don’t buy it if you don’t think you will love it a year from now.
  • And as Goldilocks would say, don’t buy it if it’s not “just right” for you.

When you buy only what you love you tend to be more grateful for what you have, you take better care of your possessions, and you are happier because you are surrounded by only the things that absolutely delight you and give you joy. What a wonderful and rich way to live.

5. Do What You Love… You know the rest…“and the money will follow.” Just like you shouldn’t invest your money in things you don’t love, you should not invest your time and energy in endeavors you don’t love pursuing.

Follow your heart. Follow your bliss. Do what you love. We’ve all heard the drill.

But really, true success isn’t just about the money you make and the recognition you get.

True success is also about whether you found joy in your work. Whether you are sharing the song in your heart with the world. That song being whatever your true talents, gifts, and passions are.

Trust me, when you share your passions with the world, the world rewards you for being so generous with your heart and soul. Your friends and family get to watch you bloom and blossom. You get to share your light and shine bright in the world. You get to leave a legacy of truth, purpose and love.

Life just doesn’t get any richer than that.


Are you living a rich life and if so how are you doing it? If not, what do you need to do to create a richer, more fulfilling life? Please leave your comments and insights below.

One person has commented
  1. […] This goes without saying. See as much of the world before you go and settle down. True you can travel the world with your S.O., but it can be a lot more difficult when you have a family. Travel. See places you have never seen before. Go and find adventure out in the world. Talk to other people who also travel, and visit exotic places in packs. You will be more well rounded, and live a richer and fuller life. […]

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