But yeah, want to be rich? a) Save as much income as you can from your current job. Use whatever means you have to cut back expenses. Small daily changes (cutting out $1-2-5-10 a day) makes the largest impact. b) start a part time service business. Product businesses make low profit. The right service business is nearly pure profit. c) Start a DRIP and play longer term stocks. Mistakes average out over time, although you don't have to play for a lifetime. Stick with index funds as they perform the best. [I was a contrarian investor - the style suited me] d) Fix your credit. That's the easiest; Takes six month to a year for most things, small secured card/after 3 months, get another card, etc - even with extreme problems that take longer - the positive credit pushes down the negative. e) work towards real estate that you can buy for cheap and fix up. First home, you renovate and fix up and rent a room. Save it all. f) With the money you saved and the credit you have now, work towards getting you first fixer-upper to rent out. Duplex for a little 'extra'. Expect $100 each tenant beyond mortgage. In other words, one tenant you can expect $100 profit. Two tenants, $200 profit. The rest is mortgage payment. Since rental income is not taxable, it's all yours. More businesses, more rental income, more stocks, keep your day job as the rest is too flexible until the real estate leaves you self-sustaining or you can completely move your business out of your direct control and you become a shadow and only have to count the money... And so on and so forth. And then there's the more scammy ways to make money that involve your appearance/identity, memberships to the right clubs, knowing how to talk and get people to believe in you to support your projects. Giving business presentations with Venn diagrams and bold words that you know are but hollow potentials.... In short, politics, hyperbole, brown-nosing, conning... *sigh*. All entirely doable. I did some of it. Not the con-man stuff. Never got past f in my 'set of stages'. I don't know where these stages came from; I just made them up, but I probably read them long ago and I went ahead and did them. I did sort of become a shadow boss though, so can't complain there. The 2nd stage, I could never do and I left my day job 14 years ago. Ultimately it's all about knowing how far you can trust people and in what areas you can trust them in. And then... trusting them... while also monitoring the results and responding properly when there are issues.