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10.	Shoes, bike, car, bus pass, internet service provider
11.	Wants are things that are not needed in one’s life.  They are usually luxury items.  Some of my wants are a microphone stand and a shotgun microphone.
12.	People can’t buy fairly expensive items if they do not have the resources to pay for it.
13.	Liabilities are things that you must pay for such as a car or housing loan.
14.	Your assets minus  your liabilities
15.	Income is the amount of money that one gets over a period.  Wealth is that income added with the value of all of the other things that a person owns.
16.	Cash inflows minus cash outflows
17.	It helps you keep track of your financial liabilities and that amount of money that you have to spend and save.
18.	You will be having more because your income goes up.  You can invest more.  You can also achieve more stock in the company.  Health care benefits.
19.	Define the need>list options>compare the options>Make a decision>Take Action>Reevaluate your choice.
20.	You can look forward, consider your opportunity costs, and do not make snap decisions.