lls　last；　I　am　financially　astute　enough　to　not　get　into　a　tough　financial　situation。　I　don't　like　consumer　debt。　I　actually　have　liabilities　that　are　higher　than　99　percent　of　the　population；　but　I　don't　pay　for　them；　other　people　pay　for　my　liabilities。　They're　called　tenants。 So　rule　No。　1　in　paying　yourself　first　is　don't　get　into　debt　in　the　first　place。　Although　I　pay　my　bills　last；　I　set　it　up　to　have　only　small　unimportant　bills；　that　I　will　have　to　pay。

Secondly；　when　I　occasionally　e　up　short；　I　still　pay　myself　first。　I　let　the　creditors　and　even　the　government　scream。　I　like　it　when　they　get　tough。　Why？　Because　those　guys　do　me　a　favor。　They　inspire　me　to　i　go　out　and　create　more　money。　So　I　pay　myself　first；　invest　the　money；　and　let　the　creditors　yell。　I　generally　pay　them　right　away　anyway。　My　wife　and　I　have　excellent　credit。　We　just　don't　cave　into　the　pressure　and　spend　our　savings　or　liquidate　stocks　to　pay　for　consumer　debt。　That　is　not　too　financially　intelligent。

So　the　answer　is：

1。　Don't　get　into　large　debt　positions　that　you　have　to　pay　for。 Keep　your　expenses　low。　Build　up　assets　first。　Then；　buy　the　big　house　or　nice　car。　Being　stuck　in　the　rat　race　is　not　intelligent。

2。　When　you　e　up　short；　let　the　pressure　build　and　don't　dip　into　your　savings　or　investments。 Use　the　pressure　to　inspire　your　financial　genius　to　e　up　with　new　ways　of　making　more　money　and　then　pay　your　bills。　You　will　have　increased　your　ability　to　m