Answer:
The secrets of life is honesty, It is hard to live by the rules of honesty at times though.
Explanation:
An independent clause is a clause that can stand on its own if The comma is taken away ( if the comma is taken away, it will still make sense).
So if we take away the seond line
The secret of life is honesty
is a full sentence without a comma
and
It is hard to live by the rules of honesty at times though
is a full sentence also without a comma