 Build a nest egg for yourself. It’s not about having a lot of money. It’s about using what you have to create financial protection and independence.

 Keep a log of daily expenses and before you go shopping make a list so you can focus on your needs and not your wants.

 Have a financial goal. If you don’t know where you are going financially, you may end up somewhere you don’t want to be.

 Arm yourself with a financial parachute by starting an emergency savings account, which is money you will touch only in the event of a job loss or crisis.

 Attack your debt. The goal is to get bills under control and free up cash to put towards your dream.

 To build intergenerational wealth, start by passing on to your children solid money management skills.