for the short term (1 year plan) and the long term (25 year plan).

4. START SAVING-Save-Save-Save learn the rule of 72. Compound interest builds wealth.

5. Now get proactive about your life start investing by taking calculated financial
risks and avoid impulse buying or investing. Research and question all transactions, plus buy and invest when the market for the product or investment is low (great Warren Buffet strategy buy low sell high).

5. Have Integrity about your life and do not Lie and Do Not Cheat , but play to win, for You will Reap what You Sow!

6. Change the way you think about failure see it as not just a lesson in life, but
Feedback.

7. Take a proactive attitude about your daily walk, make things happen.

8. Do what you love and respect the old adage, it is true, life is short so do not wake up at 50
or 60 saying "I wish I had." or "Why didn't I". Start today and create multiple streams
of income, while you keep your day job.

9. Keep improving and learning and do whatever it takes. "Put yourself on the Line" and take responsibility (100%) for what you accomplish and what you need to improve.

10. Build a Network of mentors and successful people who have attained what you
want to achieve, because connections create opportunity and provide a support system.

11. Have a vision and surround yourself with people who compliment your dreams and goals.

12. Set limits on your finances and know when to stop and when to walk away.
Be prepared to do whatever is necessary, as Dave Ramsey says "eat rice beans, if you have to and do it NOW", so you can have steak and lobster the rest of your life.

13. Be generous with what you receive, for you must learn how to give generously also. Learn to
give when you do not think you have anything to give and "give even when you
really do not want to - it will change you and it will grow you".

I know you think all of this is trite, correct?

If that were so, then why are YOU not a millionaire? Self- made millionaires do not happen over night, unless you win the lottery. People who become financially independent make choices that change their attitude and change the way they relate to life and money.

Take a step out of your comfort zone and start on the path toward financial freedom and independence. You might not become a millionaire, but I am sure you will be happier being out of debt, working at something you like, surrounding yourself with positive thinkers and doers and having some financial security as you get older.

Sources: World Wealth Report 2008
www.bankrate.com
www.freemoneyfinance.com/2007

Learn more about this author, Pam Uher.
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