Planet Money

Let's set aside for a moment all those goo-goo feeelings about that big ball of cute chubba-chubba. A baby is also an economic investment.

Businesses get a new worker and a new consumer for products. Parents get someone who will support them in their old age. Governments get a taxpayer — and a guarantee that the country lives on.

Sure, there are 7 billion people on the planet, give or take. But for a lot of countries, the problem isn't too many people; it's too few babies. In parts of Europe and Asia, couples aren't having enough babies to keep the population steady.

Some governments have responded by paying people to have kids.

For your convenience I have listed below 10 Golden Money Rules that are the catalyst to your millionaire-aspirations.
1. Invest in financial lessons before investing in financial assets
You don't drive without learning driving and getting a license. Do you? Similarly, you need to first learn how to acquire good assets and manage them appropriately.
2. Have a detailed Financial Roadmap
Without one you could easily get lost in the financial maze and may not reach your goals. Get yourself a financial GPS.
3. You are unique. Hence, do what suits you
Blindly copying others is not a good idea. Your assets, liabilities, needs, desires, time-frame, risk-appetite are different from your friends, neighbours, colleagues, relatives. So naturally, your investment pattern too has to be different from them.
4. Keep things simple
A simple term plan, a simple mutual fund, a simple medical insurance plan, etc. will work well in most cases. Don’t be under the false impression that complicated products give better returns.
5. Start early, invest regularly and stay invested
Time makes money. Even Einstein was impressed by the power of compounding. Assets are merely the tools, which Time employs to make money for you.
6. Always pay your credit card bills before the due date
This will not only save you lots of avoidable interest charges, but also prevent splurging. It will ensure that you buy only what you really need.
7. Avoid Leveraging
A millionaire with debt is a fake millionaire. I am sure you wouldn't want to be one.
8. Avoid exotic products and derivatives
They have been rightly termed as Weapons of Mass Financial Destruction. Look what happened even to the mighty USA. 
9. Seek guidance from professional financial advisors
Right directions will save you a lot in terms of time, efforts and money.
10. Beware of scams and scheming agents
If anything sounds too good to be true, it usually isn't true. Don't trust anyone. Triple-check every deal offered to you. Internet is a great tool to get right information.
This list should, however, be your starting point, not end-point. Educate yourself. Books, internet, seminars . . . you have so many avenues to choose from. After all it is your hard-earned money. So please do take good care of it.
In fact, I would go to the extent of saying that if you just follow one rule - KEEP THINGS SIMPLE - you will not go wrong with your financial decisions. (The financial lessons will be easy, the roadmap would be simple, you will not need any experts, you will avoid scams and exotic products, you will keep away from debt, you will not have any problems in paying your bills on time, etc.)