Well, this may not be so far out of your reach. Chances are, you’re already on your way to making enough money to realize your goals in life. All you have to do is understand how to manage the money you have. Everybody thinks it takes money to make money, and it's not true," says Ric Edelman, author of Ordinary People, Extraordinary Wealth.  In his book, he tells of the habits of everyday people ― like teachers, firefighters, and homemakers ― who become very wealthy, even on very limited incomes. People who have great financial success typically are not those who are earning tremendous incomes. Instead, they’re the ones who know what to DO with their incomes — those who practice good money management.

Unfortunately, for many of us, the idea of money management is a foreign concept. We tend to associate it with older people like Mom and Dad — something that we’ll learn after college. And we think it involves things that aren’t fun — like saving (instead of spending) and doing without.

Money management is really the opposite. It’s a powerful tool for helping you do more with what you have. And it’s most powerful when you start using this tool when you’re young. Think of it like this…the sooner you start, the further you’ll go.