Live beyond your means but spend within them. Take your steady out for that $350 dinner after the big promotion. You might just have to eat PB&J for a week to make it happen.
Splurge when it makes sense. Buy the designer jeans you can't live without in your size, at full price. But you better walk away from last season's must-have sweater, even if it is 75 percent off!
Make more money with your money. Invest in stocks to make the big bucks and start saving for retirement now. You want to be debt-free in your swinging sixties.
Have it all . . . just not all at once. Want a Mercedes more than anything in the world? You can make it happen . ..but probably not while sharing a summer beach house with your friends.
Finally a savvy, realistic finance book for those of us who love our Starbucks mocha lattes and Razr cell phones but don't want our Jimmy Choo shoes or Bose headphones buried under a pile of burgeoning debt. Twenty-something financial reporter Farnoosh Torabi tells you that you can satisfy your sophisticated tastes and achieve financial bliss.
The key: prioritizing your expenses according to what you want the most--splurging when you can and saving on other things. From sensible grocery shopping (yes, you can have your organic yogurt and eat it, too!) to cyberbanking, empower yourself to live a guilt-free, Gucci- and gadget-clad good life without sacrificing financial security.