Think about what you want from your life. Your true goal is more profound than buying a nice car. What objective brings you a sense of joy, fun, and freedom? It could be providing for your family or being the best in your field.

Once you know what you really want, you start makin...

Start by saving a certain amount every month from your paycheck (using automatic transfer), and also work towards building or completing your emergency fund.

Clear any high-interest debt you may have and also save money on your next life goal, like buying a house or a car.

It means the ability to think clearly, and it extends to determining what you want to be, have, or do in life. Successful people have a clear sense of direction and know what they want to accomplish.

• Be decisive: Do not waste time overthinking or being indecisive. The ...