I’m afraid you may be disappointed at my answer.

The key to wealth, for the vast majority of people, is not something shiny, sexy, or secret.

It’s not an investment scheme known only to the wealthy.

It’s not a secret house-flipping plan that only real estate moguls know.

It’s not in becoming a rapper or a pro athlete.

It’s not in some business idea your cousin wants you to go in with them on.

And it’s not in the lottery.  Definitely not in the lottery.

No, the real key to wealth is in something much more simple.  It’s rather un-sexy, and a little old hat.  Ready for it?

The key is in self-control.  

That’s right, if you can get you to do the things that you know are going to be good for you, then you can have success.  You can go where you want to go.  You can build wealth.

How do you do it?  It’s in having a plan, friend!

When you plan for your money, it’s called a “budget.”  That’s all a budget is – a plan.  Bank statements, tax returns, and financial reports all look back.  A budget looks forward.

A budget is what enables you to live on less than you make, so you can get free from debt, so you can save and invest and give.  So you can build wealth that is family-changing.  Wealth that doesn’t end with you, but continues to grow year over .

How do you think that the average person goes on to achieve lasting wealth?  Sometimes, they have an extraordinary idea or business, but more often it’s because they lived on less than they earned, and they made a conscious, intentional decision to systematically save and invest their income.  The budget makes all that possible, because it’s a form of planning.

I also recommend people visit a good CFP to help with their long-term plan.  Who would go into creating anything of significance without a plan?  Who in their right mind would build a building without a plan?

But don’t begin until you count the cost. For who would begin construction of a building without first calculating the cost to see if there is enough money to finish it?  Otherwise, you might complete only the foundation before running out of money, and then everyone would laugh at you.  They would say, ‘There’s the person who started that building and couldn’t afford to finish it!”
– 
Jesus, Luke 14:28-30

At some point, you’ll have to bite the bullet and start working with a plan if you really want to go somewhere with your money.

Why wait?