1. Spend less than you earn. This is The most important rule..
-don't waste money, spend on " value"
2. Invest your savings AUTOMATICALLY.
Make it an automatic process scheduled regularly.
3. Repeat steps 1 & 2 for 25-30 years.
That's it. These are the "secrets". Very simple yet so hard. Most people fail in step one. Credit cards are DESIGNED to allow you to spend more money than you make. Using credit cards has no place in becoming wealthy. It's not how much income you make, it's how much you keep. I recommend keeping 20% of your earnings. Do this via direct deposit into 401k, employee stock, index funds, & IRAs. Can't afford to? You can't afford Not to! Make it a priority to save. Sounds weird, huh? Don't be normal, normal is broke. Anyone who truly desires to be wealthy will. They have no choice. Big difference between someone who wants to be wealthy & someone who truly desires to be. Napoleon Hill's book "Think and Grow Rich" is a must read. The law of attraction is more powerful than 99% of people can comprehend. Most people will laugh it off and make a joke how they wish they had a million dollars-oops didn't work. Once you understand the principle of this law, you are on the right path to financial success. While your at it, you might as well read "The Power of Positive Thinking" by Dr. Norman Vincent Peale. I have seen my financial success grow by leaps and bounds ever since I understood the power of these laws and principles. The day I truly desired (and thus did something about it) to become wealthy is the day my finances started to turn around. Three Rules (and one law) to live by.