Hey Jane, your first item on the list ‘Building Wealth Is About Less, Not More’ has been my personal practice since I started to work at age 18. In today society people are fulfilled by meaningless things, new clothes, a must have that fashionable shoes or phones with better camera. Sadly, when it comes time to put down on the needed things such as a house or continue education, most of the people I know can’t afford it. Why buying a dress that we keep in closet for months instead of putting it away for rainy day? Great article!