3) Get used to saying no

Recognize the pressures that exist around you. If you don’t protect your time and your money, other people will spend them for you.

Your friends are throwing weddings in different countries. Can you attend? No . Your family throwing lavish reunions at 3rd party sites. Can you attend? No . Friends throwing 6 hour Sunday afternoon party. Coming?No . Beach vacation on the east coast! NO . Saturday morning shopping to ‘invest’ in a new mattress for your house? NO. NO. NO. I think you get the point here.

Dave Ramsey puts it best: “live like no one else, so you can live like no one else.”