Manage your money exquisitely. Know where you spend it, where you get it, and how much you have now. Get in the habit of setting aside a portion of your income every month for retirement, another fund for the unexpected.

Some of the big reasons people hold back from wealth are the concerns that they won't be able to handle big wealth, they'll be overwhelmed by it, or it'll go away. If you get into the practice of managing and saving your money incrementally, your confidence in yourself will grow. Having a cushion of savings and planning for retirement will reduce your anxiety. This is attractive to money.