- Minimize monthly payments of any kind (loans/subscriptions/utilities).
- Take loans only for housing and vehicles.
- Buy nice but not excessive vehicles and replace only when needed (10+ years). After the loan is paid off keep an annual maintenance budget (3-5k). This will cover nearly any failure, still be less expensive than a replacement vehicle, and give you a start on the replacement if it isn't needed.
- Invest as much as you can in the various available resources