The best time to begin a Health and Wealth wellness plan is yesterday, last week, last year.

In order to succeed at anything in life you’ll need to honor these six principles—hard work, commitment, patience, perseverance, discipline, and consistency.

You must have margin or wiggle-room between your income and your expenses in order to get ahead financially.

There are three ways to create margin between income and expenses—increase income, reduce expenses and/or do a better job managing the money and expenses you have by understanding how you’re spending money.

Once you have a handle of how the money is being spent and how much margin you have between your income and expenses, you can use the margin (extra money) to pay off debt and save money for future goals.