You don't keep too much cash

Focus on the 5-10 Big Wins, rather than 50 little things.

For example, paying down debt, saving automatically, negotiating a higher salary, and investing early will have a much greater impact than forgoing your morning coffee.

... but your spending hasn't changed.

Increasing your earnings is a form of leverage, whether you scored a raise, landed a better-paying job, or created a second or third income stream.

Consumer debt kills wealth. 

The average credit card charges an APR of 17% while the stock market returns an average of 7% to 8% each year, adjusted for inflation.

Create a roadmap to increase your chances of achieving your financial goals.

It might be worth it to work with a financial adviser to set specific goals and have a plan in place.

If you can afford to put the full $19,000 into your 401(k) this year,

• you multiply your earning potential in the market,
• you can score if your company offers to "match" your contribution,
• You only pay income tax on it later, but for now your money grows tax-free.