1. No more new debt! (“I only spend money I already have.”)
  2. Practice gentle self-honesty.
  3. Prepare for the journey.
  4. Help your fellow traveler.
  5. Ask for help when you need it.
  6. Enjoy the process.
  7. Go at your own pace.
  8. Stay on the path!
  9. Celebrate successes.
  10. Plan for arrival.