You're told to save money. Why? You don't make enough money to begin with! The majority of all Americans are living paycheck to paycheck. The unemployment rate is at 4% but people are still broke. There are no shortages of money on this planet so why is this happening to the majority of people? Don't worry about what happened last year. This is your year to turn it around and get your money right! We are in a new economy. Debt should not be your priority right now. You need to get close to people who have money. I talked about this in the "Millionaire Booklet." You have to close the distance between you and money. That means getting around people that have your money. If you're a waitress, don't hang in the kitchen with the cooks. Stay at the table with the money!