We all say we want to become financially secure, but too often, we end up living above our means and struggling to make ends meet. And while we may resort to blaming our failure to generate wealth on our circumstances—our companies for not paying us enough, our homes from being so far from our workplaces (costing us transportation time and money), our credit establishments for charging us high interest rates, and more—this can usually be attributed to our poor spending and investment decisions.

Get started on your journey toward wealth and comfort in your sunset years by making the right decisions today. FN lists a few tips below.

(Screencap from Confessions of a Shopaholic courtesy of Touchstone Pictures)