Build a budget, and stick to it. Never spend more than you make unless it's a house or car, stay away from credit as much as possible, and dont spend money on stuff you dont need like 900 channels of crap cable TV for $49 a month. And save money, I have a direct deposit that goes into savings every month and it never gets touched except in emergencies. If you have investments, diversify to hedge bets. Have some stable slow growth accounts, and put a reasonable amount into risky but promising ones.