The very first thing you must do right now (if you have not done this already) is to go open a new bank account that we will call your Wealth Account . This will be your doorway to a wealthy future. You want to be looking at this account balance monthly, or even weekly or daily. This account always needs to be growing! This is not your rainy day fund for emergencies like a car repair, hot water heater replacement, or dental emergency. Those living expenses come out of your main working bank account you already have. This Wealth Account is not to be extracted from, but needs to be a one-way door for your money into your investment life. The only reason for money to come out is if it is being directed into a selected investment.