Have a plan: Outline your goals, your lifetime visions and what financial achievement means to you. This will help guide you in all of your investing decisions.

Live below your means: Identify ways to reduce your expenses, track your spending habits, and consciously choose to live according to a budget.

Save and Invest: Commit to putting money into your savings account on a regular basis and investing in stocks, bonds and other long-term investment instruments.

Research and educate yourself: Take advantage of all the resources available to you and stay on top of financial trends to make informed decisions about your investments.

Diversify your investments: Do not put all of your eggs in one basket. This will help to spread out your risk and maximize your potential return.

Develop multiple streams of income: Take advantage of additional job opportunities, start a business, or invest in real estate to increase your total income.

Be patient and stay disciplined: Becoming rich takes time, so be patient and committed. Follow your plan and stay disciplined in your saving and investing habits.