Action Tip: Seek to invest rather than go into debt. Instead of paying a $25 minimum payment on a credit card indefinitely, pay that debt off and invest that $25 a month. Incurring and paying debt is going backwards. Getting out of debt and investing is going forward. Going into debt is letting compound interest work against you. Investing is letting compound interest work for you.
For example, for each credit card you pay off, increase your 401k investment percentage. Reverse hurtful behaviors by automatically switching them to helpful behaviors and letting them become a habit.
Live below your means for a richer life.