Are you reaching your financial goals? Do you even have financial goals? Regardless of your current financial situation, there are several strategies you can use that can make you rich. There are no guarantees in life, but you can significantly increase the odds in your favor. Intelligent decisions and consistent behavior are all you need.

These strategies needed to create wealth are available to everyone:

1. Have multiple streams of income. One of the most important aspects of becoming wealthy is the avoidance of financial disasters, such as losing a job. It can take years to replace the savings you might spend in just a couple of months. The more sources of income you have, the more financial security you’ll enjoy. You’ll also earn more.
2. Live within your means. No one can outspend their income indefinitely. Bankruptcy is the expected result. Regardless of your income, spending less than you earn is necessary.
3. Invest in yourself. We’re not talking about purchasing a sports car. Spend money on education and self-improvement. Develop your talents and learn valuable skills. Money spent wisely on self-education, and enhancement can provide greater returns than any stock you could ever own.
4. Set and pursue financial goals. While a few people luck their way into wealth, setting goals is a more reliable strategy. Do something to pursue that goal every day. Measure your results regularly.
5. Accept responsibility for your financial future. It’s your responsibility to create your prosperity. After all, no one else is going to do it for you.
6. Be patient. Wealth requires time and patience unless you can secure a substantial income. You don’t have to do anything spectacular to amass a spectacular fortune, but it won’t happen overnight. Keep your eye on the long-term outcome, and be patient.
7. Invest consistently. If you’re not saving a portion of your paycheck each month and investing it as well as you can, you’re limiting your ability to build wealth. Build to the point where you save at least 15% of your take-home pay. Learn about investing, so you know how to invest those funds wisely.
8. Consider taxes. Taxes have a considerable effect. Taxes matter whether you’re purchasing a home or considering selling a stock. Make investment decisions with an understanding of the tax implications. Make full use of tax-deferred retirement accounts, too.
9. Focus on needs and let go of wants. Before making any purchase, ask yourself if you need the item or service. How many purchases have you regretted in the past? Do you need a giant TV or your espresso machine? Limit spending to your needs as much as possible and invest the remainder.
10. Know when to stay and when to go. Nothing lasts forever. There is a time to exit a job, an investment, or a business. Staying too long with any of these things will cost you financially sooner or later.

Financially successful people have left many clues for you to follow. Adopting certain behaviors will all but guarantee financial abundance. Choose a few of these strategies and begin applying them to your life. Continue this personal transformation and be persistent and consistent. Building a fortune takes time.