I came across this list yesterday and was impressed. The first three items were so dead on, I had to bring the list over here. You can check the original site for blurbs on each of the top 10.
1. Accept whatever salary an employer offers.
2. Don’t try to improve yourself at work.
3. Never leave the company you work for.
4. Don’t track how much you earn and spend.
5. Spend more than you earn.
6. Ignore work benefits.
7. Ignore your tax withholdings.
8. Don’t open any IRAs.
9. Invest sometime later.
10. Saving is complicated.
The negative reinforcement here is great.
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