Most everybody knows the steps for saving that will make you rich by the time you’re 40 or 50 years old. And for those who do wonder how to get rich, finding out what those steps are is easy enough if you look around.

But how easy are those steps to take? In truth they are actually hard to get started.

What this boils down to is that once you learn the steps necessary to build wealth you must implement those steps. You can’t allow yourself to become a victim of procrastination on this one. You’ve gotta get up off that couch, make a personal wealth building plan, and put that plan to work.

Most everything that’s worthwhile in life is that way. No matter what you want to do in life, you’ll never do it if you don’t take action and actually get started. And taking action is a tough thing for us humans to do.

We have a natural aversion to change – any kind of change. Mostly this is because we get used to, or into the habit of, doing things a certain way. To make changes to our customary activities is uncomfortable, and it feels like work.

In my “Saving Money To Get Rich Begins With Your Mental Attitude” series I talked about the steps for saving yourself to wealth. Find that series (parts one, two, and three) in the index under “Getting Rich Is A Discipline.” Or find the first article at “Saving Money To Get Rich Begins With Your Mental Attitude – Part One.”

Looking through those steps that I discuss you’ll probably think you can’t save 40% of your dollar at first. That’s OK. Start with 30% or 20% or 10%. HEY! Start with a nickel or even a penny – just start saving.

Save that first one cent, and you’ll realize you can save another one cent, then another one cent.

That’s how you get rich. You take it one step at a time.

Zig Zigler says that you can only see as far as the horizon from where you are at right now. But walk that direction, and once you reach that horizon you can see farther – you’ll have a whole new horizon in your view.

Once you start saving one amount after another, and then another, you start forming the habit of saving. And when you get into a habit so deeply that you own it (that it becomes yours) that habit will rule your actions as long as you don’t change that habit.

So just start saving whatever you can now, and keep saving no matter what. Make that act of putting money into your savings accounts your first action every time you get a pay check. Soon the activity becomes a habit, and you’ll find yourself looking for ways to increase the amount you’re saving. I promise you’ll find your savings increasing very soon after you internalize this habit.

Once you understand how, and have a plan for, your wealth savings future you must create ways to get the money that you’ll use for saving in the first place.

You decide the career to pursue, and go after the knowledge that allows you to not only work in that career, but also become extraordinary at that work.

Doesn’t matter if you get that knowledge formally, or seek a self-education, as long as you acquire the knowledge, and master the skills. Although Jim Rohn says the self-education makes your fortunes. I give you some personal insight about formal education in my article: “How Important Is Formal School To Your Success In Life?”

If you’ve already started your career path in life all you need is to start your savings process. Wealth comes according to the pace you set.

“Make a decision to be successful right now. Most people never decide to be wealthy and that is why they retire poor.” Brian Tracy

How do you get rich? Learning that is the easy part. Where creating a comfortable retirement becomes tough is when you make the changes in your routine to actually start growing your wealth.