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Have you taken the time to truly investigate where your money is going?
You should set aside 5% of your earnings for giving. Giving transforms you. It changes how you look at wealth and it helps you to grow.
“Throughout history, every individual that has achieved great wealth and true success, as opposed to fleeting fame, has done so because they have had an associate or acquaintance standing behind them to make recommendations and help them to chart their course…” -The Richest Latino in America by Ruben Ruiz
Everything that you do in life will have an affect on your future life. Whatever you did in the past affects you today. To become financially independent or wealthy in the future will require you to make changes in everything you do in life today.
Always live within your means.