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Never forget rule No.

1, is rule No.

2.

Working from a loss makes it more difficult to even go back to where you started, let alone make gains.

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In the 2014 Berkshire Hathaway annual report, Buffett stated, "We always hold at least $20 billion and frequently substantially more in cash equivalents.

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When he added, "Anything you do to improve your own talents and make yourself more valuable will pay off in terms of appropriate real purchasing power," he stated those remarks in an interview with CNBC.

Learning more about money management should be a part of your investment in yourself.

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