2. Put Your Money to Work

　　Saving is great, but to make the most of your money you need to put it to work. Good investments can be the difference between retiring in your 40’s or in your 60’s. A post today at The Simple Dollar really got me thinking. According to Trent's estimates, if a person in their early 20抯 invests 20% of their income in an S&P index fund, the intearest they earn will equal their current salary when they reach their early 40’s. They could retire without a drop in income! Wise investing is the surest path to financial independence and it's something everyone can work on. It's definitely an area I'll be devoting more attention to in my personal life.

　　3. Educate Yourself

　　To be happy we need continuous growth. The best way to grow is lifelong education. This doesn't mean you need to pursue a doctorate or spend 2 hours reading every day. Self－education can be anything that takes you out of your comfort zone. The important part is keeping an open mind and searching for fresh ideas and perspectives. Education builds over time. It might feel like the bits of wisdom you acquire don't mean much, but over the years they add up to form a wiser, kinder, more interesting person.

　　4. Develop Lasting Personal Relationships

　　Suppose you had everything you wanted. Would you be happy without anyone to share it with? The personal relationships we develop with friends and family members are the greatest source of happiness in our lives. Don't forget about them. Taking the time to cultivate and enjoy personal relationships is essential to long－term happiness. Without the people you care about you'll probably be miserable, no matter how successful you become.

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