The bottom line of money management is to spend less than you earn. But it is not easy. Here are some suggestions for financial success, starting with nailing down your financial priorities.

You can only achieve financial success if you are accountable to yourself regarding spending. Circumstances don’t matter; how you react to them is what is important.

Not getting ahead financially? You can change that! But change won’t happen by itself. You need to get clear on what you want, then make and follow a plan for getting and staying on a course of wealth-building.

Goal-setting, and following up with action, can change your life and your resources. If you make a plan and work the plan, amazing things can happen.

It can take some time to find the right financial professional to guard and grow your nest egg. But these steps are worth it in the long run.

Does your financial adviser work on commission, fees, hourly rates, or a combination of the three? It’s important to know.