I learned a lot of the below from a book titled "The Richest Man in Babylon" written by George S Clason. You could do a whole lot worse with your time than reading this book and applying some of the principles taught in it. I know I certainly can. 1) Part of Everything you Earn is Yours to Keep Earn 100.00 and put away 10.00 in a sock, envelope, bank account etc.. don't SPEND it! and live on the 90.00. Do not spend the 10.00 on Food, Bills, Mtg, Rent etc... Keep that part of your earnings! *****Keep a Part of Everything you Earn***** 2) Take that 10% and Invest it in Opportunities that give you a return Use your head with this principle... if you want to invest in silver use the knowledge of a silver trader to aid you... do not use the knowledge of a baker to help you. Use the knowledge of a baker to help you in things that would be baked or to invest in a bakery as that is his/her specialty. *****Take Advantage of the Knowledge of Experts***** 3)Reinvest Your Returns Take the returns of your investments and reinvest them into more of the same or better yet diversify those investments and invest in other products/services/companies... don't spend those returns or you are back to lesson 2. *****Do Not Spend Your Returns***** 4) Do not Buy What You Do Not Need Take a hard and strong look at what you spend your money on and eliminate all the waste. Case in Point - Don't buy Starbucks at about 4.00 per cup of coffee... make that coffee at home for 1/10th the cost... if you eat out 2X a week, cut that down to 1X per week... don't go living the life until you no longer have to concern yourself with the money it takes to live the life. *****Eliminate Unnecessary***** 5) Build Your Base and It will Be Around for Retirement A varied diversified portfolio that targets long term growth is absolutely essential so that you do not have to work in your latter years. You may choose to work then but you will not have to is you build properly. *****Build a Solid Asset Base***** 6) Protect Your Investments From Failure Before investing do the proper due diligence and make sure that your investments are going to be safe. You may not be right 100% of the time but checking hard will keep you safe most of the time and generally you will have a much better track record if you do not choose to do your proper due diligence. *****Proper Due Diligence Pays Off Huge***** 7) Buy Your Home if At all Possible God is not making any more Real Estate and thus, over a long period of time, real estate will almost always go up in value but even if it does not I think it is best for one to own their own home. I'm even fine with a person taking out a mortgage to buy a home ( if you know me at all you know I hate and have no debt and preach the same but I'll let you slide here). Home ownership is something that can take care of you in your latter years as you will have only taxes and insurance to pay as opposed to a rent forever. *****Everyone Should Own the Home in Which They Live***** 8) Increase Your Ability to Earn a) Learn other aspects of your trade in the industry in which you make your living. Greater knowledge often leads to greater income. b) Outwork the other guy. A large part of my limited success comes from outworking/outnotsleeping the other guy. Start early, work harder and stay later than the other guy and you almost guarantee an increase in revenue *****Expand Your Revenue Producing Horizons***** ================================ The above is by no means an end all to acquire wealth but certainly a good base. I personally do my best to follow them and apparently it is working out well for me and has over the past 25+ years and I'm sure it will work as well or better for you. I'm sure that there are others that are reading this and, as do I, welcome any ideas, thoughts etc. that you may have to expound to and to add to the above.