The biggest key to manage money successfully is to make money systematic. First, I have always lived on only 90 percent of my income. I took the difference and invested those assets for long-term growth. Once in that account they never came out no matter how hard times were. Second, we also maxed out our retirement accounts each year. The funds came out of my check pre-tax and once again were invested long-term. Success with money is about following simple rules. My wife and I sacrificed in the beginning and now are reaping the benefits.