I’ve met with so many different people in my career, all with different goals and resources. It seems those with the best chance of being financially secure are those who can be patient, tolerant and disciplined. Yes, these people do exist!
The most challenging clients are those who refuse to accept responsibility for their financial circumstances, and I’m not talking about those to whom fate, health and/or relationships have been cruel. I’m talking about those who continually play the victim and throw a hissy fit because their financial situation isn’t more favorable. I might add that the hissy fit does nothing to change the situation, and if the person keeps playing the mental recording of “I can’t catch a break,” you know what? They won’t.
What can change this pattern? The epiphany that we all have free will to make decisions that benefit us – or not.
LIFE: Live Inspired, Financially Empowered 
So true, 2 golden rules I’ve always followed are
1 – Live below your means.
2 – Pay yourself first. Invest off the top, not what’s left.
If people followed these 2 simple things they would be well on their way to financial happiness.