I feel badly for anyone just starting out today. But even in a tough economy there are those who make success happen. One piece of advice: keep your debt load low for the next couple years. We still do not know where our economy is going or how bad it may get.

Saving money is the heart of all your financial goals. Whether you want to get out of debt or just to make ends meet each month, you must learn how to save money.

One of the best things that you can do to take control of your money in order to save more money, is to set up different bank accounts for the different spending aspects of your life.

Create a banking structure that works against you, rather than for you. Plan to set up your banking so that you cannot access Money at will – Money that would be better left for wealth creation.