1. Go contrarian: Wall Street is biased, trust no one
The vast majority of business, economic and stock-market forecasters are not looking out for your interests. They’re biased, favoring their employers on Wall Street, Corporate America and Washington. The past few years they made huge bucks hyping the credit/subprime bubble. Witness their bonuses. In 2008 their rosy forecasts will continue. They can’t help misleading you, it’s in their DNA: “Greed is good.”
2. Do-it-yourself: You’ll make fewer mistakes
Remember Buddha’s advice: “Believe nothing, no matter where you read it or who has said it, not even if I have said it, unless it agrees with your own reason and your own common sense.” You are the only “expert” you can trust: All brokers and money managers, newspapers, magazines, online and newsletter pundits, all television anchors, and every other special-interest guru is “selling” you something. Don’t buy “it.”
3. Millionaires build wealth by working, not investing
4. Do what you love (or your boss will decide for you)
5. Plan to retire early: Much earlier than you expect
6. Downsize your lifestyle: Start by saving 15% of income
7. Buy no-load index funds: No brokers, no active managers
8. Invest long-term: Market-timing is high-risk gambling
9. Rebalance: Focus on picking allocations first, not funds
10. Live with gratitude: Life is a gift (so is your nest egg!)

This list has been severely abridged. To read the full list, view the original post at it’s source:
Ten resolutions that will help you survive the coming bear market (MarketWatch)