by Benjamin Franklin.
An old book, to be sure, but the principles are timeless and very ERE-friendly. I wish I would have read it in my college years. This book, in my opinion, is on par with another ERE favorite - Your Money or Your Life. A short read - only about 125 pages. I strongly encourage it.
One of my favorite sayings, which I find truly appropriate in light of the recent economic bubbles:
"When the well is dry, they know the worth of the water."