What’s your personal finance strategy? If you asked me a few years ago, I would probably laugh it off: “I’ll leave that for tomorrow.” Dumb move. No wonder my net worth was much lower then.

If you don’t have a personal finance strategy, there’s a chance you will never get wealthy. The average millennial earns $40-$50K a year and has $20-$40K in student debt.

But the high achieving millennial earns up to 7X more than the average. The same is true for people of all ages. The difference between average earners and above-earners is huge.

Once I realized that I got serious about money. But I didn’t focus on making more money—a mistake that many of us make. We always think more cash is the solution to everything.

“All my problems will be solved once I have a little bit more cash on hand.” Sorry to disappoint you, but that will never happen. As your bank account grows, your problems will too.