I know. I’m late to the party. The 4-Hour Workweek was last decade’s business bible. But these rules are timeless, and worth committing to memory.

1. Retirement is worst-case scenario insurance. Don’t work toward it. Save money in case you become incapable of working (due to anything, for that matter—not just advanced age), but don’t make retirement the goal of your career.
2. Interest and energy are cyclical. Alternating periods of activity and rest is necessary to survive, let alone thrive. You don’t deprive yourself of the other necessities of life—food, water, shelter. Why deprive yourself of this one?
3. Less is not laziness. Focus on being productive instead of busy. If this means you accomplish your goals with free time to spare, celebrate! Boosting your productivity means accomplishing more in less time.
4. The timing is never right. For all of the most important things, the timing always sucks. The stars will never align. Just take the plunge and correct your course along the way. Don’t wait around for the perfect setting, because it won’t ever happen.
5. Ask for forgiveness, not permission. People deny things on an emotional basis that they can learn to accept after the fact. If the potential damage is moderate or in any way reversible, don’t give people the chance to say no.
6. Emphasize strengths. Don’t fix weaknesses. Your choice is between multiplying results using your strengths or incremental improvements fixing weaknesses that will, at best, become mediocre.
7. Things in excess become their opposites. Pacifists become militants. Freedom fighters become tyrants. Blessings become curses. Help becomes hindrance. Don’t pursue an excess of time or money. Pursue what excites you (likely a particular use of time or money).
8. Money alone is not the solution. By using money as the scapegoat and work as our all-consuming routine, we are able to conveniently disallow ourselves the time to do otherwise. Again, focus on doing what excites you, not on making money now and figuring out how to be happy later.
9. Relative income is more important than absolute income. Frankly, absolute income means almost nothing, and it’s not a number you should ever think about. Time is your most valuable commodity. Consider your income in terms of how much time you spend earning it.
10. Distress is bad. Eustress is good. Not all stress is bad. Despair is bad, but being pushed and challenged keeps you happy, healthy and excited. Seek out eustress!