3.  “You can have money or you can have stuff, but seldom do you have both early in life.”  -Jason Flurry

4.  Spend less than you make  Live a modest life style  Don’t live up to every raise

5. 7 Steps to Wealth

6.  Create a financial plan that covers: › What you need to earn › How to invest › Open a Roth IRA or a 401K › Roth IRA: Individual retirement account,

7.  Save ½ of every pay raise  Build an emergency fund in a money market account

9.  Don’t charge what you cannot pay back  Debt holds you back

10.  Open a mutual fund with no load funds and low expense ratios

11.  Business creation is the number 1 driver of wealth in this country  2/3’s of millionaires are self-employed  75% are entrepreneur’s  The remainder are professionals

12.  Form good working relationships with someone who has business expertise  Be actively involved in the day-to-day of your financial affairs

13.  Spanx › Sara Blakely › At the age of 41 is the youngest female self- made Billionaire › Started with $5,000 and selling her product door-to-door

14.  Under Armor: › Kevin Plank › Started a small t-shirt making business in this grandmothers basement

15.  Vita Water: › Mike Repole › Sold his company for a very large profit

16.  Chipotle: › Steve Ells