Invest in your skills, knowledge and health to increase your income over time     

• Take courses, learn new skills, and improve yourself constantly         

• Practice gratitude daily for what you already have

Make a list of all debts, amounts owed and interest rates              

• Pay off high interest debts first using a "debt snowball" or "avalanche" method

• Avoid taking on new debt as you pay off existing debt         

Start investing in assets that generate income like mutual funds, real estate and businesses

• Diversify your investments across different asset classes              

• Reinvest all returns to compound your wealth over time          

  • Build a portfolio of low-fee index funds to keep costs low and gains high over time                

        • Automate your investments through dollar cost averaging          

        • Ignore short-term market fluctuations and focus on the long term 

Find low risk properties that have stable cash flow                 

      • Use other people's money (OPM) through loans and partners to amplify your gains          

      • Maintain and improve properties to increase their value      

  • Start a part-time or online business to generate passive income                  

       • Leverage systems, technology and outsourcing to scale your business efficiently              

       • Reinvest profits back into the business for exponential growth       

 • Develop a wealth mindset of abundance, activity and generosity             

       • Make money part of your daily focus and conversations          

       • Surround yourself with other successful people for support and inspiration    

   • Write a detailed plan with specific financial goals          

          • Break large goals into smaller, achievable steps          

          • Hold yourself accountable and regularly revisit your plan to make adjustments

  • Take action! Even small steps forward are progress          

         • Seek wisdom from mentors to stay motivated and on track          

         • Celebrate victories large and small along the way          

         • Stay persistent through inevitable setbacks