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For example, some people think that an apartment in Manhattan is almost guaranteed to increase in value over any five-year period.

For example, you might like having free time, so you give yourself a few hours a day to do nothing. But if you were to invest those few hours into getting rich, you could work towards having 20 years of free time 24 hours a day!

What can you give up now in exchange for being rich later? Investment advisor Dave Ramsey likes to tell his radio audience, "Live like no one else today so that you can live like no one else tomorrow.

Avoid purchases that are likely to depreciate rapidly. Don't spend money on stupid stuff. It's hard enough making a living.

But it's hard and painful when the things you spend your hard-earned cash on are financial black holes. Reevaluate the things you spend money on. Try to figure out whether they are truly "worth it.

Casinos and lottery tickets. The lucky few make money. The rest of us lose it. Vices such as cigarettes. Heavy smokers can only watch their money go up in smoke.

Huge markups like candy at the movie theatre or drinks at a club. Tanning booths and plastic surgery. You can get skin cancer for free outside if you'd like.

And do nose jobs and botox injections ever look as good as promised? Learn how to age gracefully! You're not the only one getting older.

A hot towel and another 4 inches Invest that money instead of throwing it away. It's hard to get rich, but it's even harder to stay rich.

Your wealth is always going to be affected by the market, and the market has its ups and downs. If you get too comfortable when times are good, you'll quickly drop back to square one when the market hits a slump.

If you get a promotion or a raise, or if your ROI goes up a percentage point, don't spend the extra. Save it for when business is slow and your ROI goes down two percentage points.

Method 1 Quiz What is the best way to gain money through investing? Buy and sell several stocks every day. Invest in and contribute to a Roth IRA.

Invest in a new car. Whether it's a four-year college or vocational training, some successful people pursue further education beyond high school.

In the early stages of a career, your employers have little by which to judge you besides your educational background.

Higher grades usually lead to higher salaries. Choose the right profession. Look at salary surveys which indicate average annual incomes for specific professions.

Your odds of getting rich are diminished if you pursue a career in teaching as opposed to a career in finance. Here are some of the highest paying jobs in America: Engineers who work with gas and oil companies can make a very good living.

IT managers and software engineers. If you're good at programming and a whiz at computers, consider this very well-compensated field.

Choose the right location. Go where the good jobs are. If you want to pursue finance, for example, there are far greater opportunities in big cities than in rural, low-populated areas.

If you want to build a startup, you'll probably want to consider going to Silicon Valley. Get an entry-level job and work your way up.

Play the numbers game. Apply to many places and subject yourself to lots of interviews. When you get your job, stick with it and get the experience you need to advance.

Change jobs and employer. Once you've gotten some experience under your belt, consider finding a new job. By changing your environment, you can increase your pay and experience different corporate cultures.

Don't be afraid to do this several times. If you're a valued employee, it's also likely your current company may offer you a raise or other benefits if they know you're looking at leaving.

Method 2 Quiz If you want to get rich through your career, you should: Focus on applying to only a few places that match your interests.

Only apply to management-level jobs if you are new to your field. Change jobs several times once you are experienced.

It's one of the best feelings in the world when you can get paid to take home stuff you regularly use. If you do this right, you can actually get paid to coupon.

At worst, you'll save a few extra bucks that you can tuck away for a rainy day. At best, you'll get tons of free stuff and will be richer in the process.

It's not the easiest way to shop, but it's usually the most efficient. If you can borrow or buy into a membership to a bulk retailer like Costco, it can make real financial sense.

In some cases, you can find brand-name products for sale at serious discounts. If you're hungry and you like chicken, buy four pre-cooked Chickens at Costco at the end of the day, when they go on sale.

Freeze any chickens that you don't eat immediately. Learn to can foods. Succulent peaches , blueberries , and even meats can be canned and stored for consumption later.

Be smart about the food that you buy. Food wasted is money wasted. Reduce your utility bills. Electricity, gas, and other utilities can deeply impact your monthly budget if you let them.

Be smart about ways to keep your home cool during the summer and warm during winter. You may even consider investing in or building solar panels to channel the sun's natural energy into electricity.

Keep your utilities low, and watch the money you save start to mount. Get a home energy audit. This will allow you to find out how many dollars are seeping out of your home in the form of lost energy.

You can perform your own energy audit if you're the industrious type, but don't hesitate to hire a professional to complete the audit for you. Go hunting or foraging for food.

You may need to invest in gear and permits, but if you already have these, this is an inexpensive way to get your own food. If you're ethically against the killing of animals, it's pretty easy to forage for food, depending on where you live.

Just make sure to forage only for food whose origin and properties you are sure of. Getting sick or poisoned is never any fun.

Go deer hunting , duck hunting , or turkey hunting Go fishing or fly fishing Choose edible flowers , pick wild mushrooms , or forage for food in the Fall Start guerrilla gardening or build your own greenhouse.

Method 3 Quiz How can you reduce your living expenses? Buy small amounts of food at a time. Eat fruits soon after you buy them.

This means before you go and blow your paycheck on a new pair of shoes or a golf club you don't need, put money aside in an account that you don't touch.

Do this every time you get paid and watch your account grow. Make a budget and stick to it. Create a monthly budget that covers all of your basic expenses and leaves a little bit of "fun" money aside.

Sticking by your budget and saving at least some money each month is a good way to lay the groundwork for your efforts to get rich.

Downgrade your car and house. Could you make do with an apartment instead of a house, or have roommates instead of your own place? Could you buy a used car instead of a new one and use it more sparingly?

These are all ways to save a ton of money every month. Look at the ways you frivolously spend money and rethink everything. For example, avoid going to Starbucks every morning.

Track down your expenses. To soar your efficiency on cutting your expenses, it is vital to keep track of them. Pick one of the numerous expense tracking applications there are around, like Money Lover or Mint, and record every single penny that goes in and out of your wallet.

After 3 months or so, you should be able to know where most of your money go and what can you do for that. Spend your tax refund wisely.

That's a lot of money! Can you use that money to pay off debts or create an emergency fund instead of blowing it on something that will lose half its value the second you buy it?

Break up with your credit card. Did you know that people who use credit cards for purchases end up spending more money than people who use cash?

Using a credit card doesn't carry that much of a sting. If you can, divorce your credit card and see how it feels to pay with cash.

You'll probably end up saving a boatload of money. If you do maintain a credit card, do things to reduce expenses.

Try to pay off the full balance each month and on time. That results in interest-free credit. At the very least, make the monthly minimum payment before the due date to avoid a late fee.

Method 4 Quiz Which of the following should you do to save money? When you get paid, buy what you want first and then put money into your savings account.

Use cash to buy things. All of the above. Refinance your home mortgage. Refinance to a lower rate or to a year loan instead of a year loan.

This way you only pay a few extra hundred dollars per month but you will save yourself much more than that in total interest. That's money in your pocket.

Talk to a loan officer about your options. Method 5 Quiz True or False: Create a budget and stick to it religiously.

Before you go out shopping, calculate exactly how much cash you need and leave the rest behind. Leave the plastic behind too — studies show that people spend significantly more when they are carrying a credit card.

Not Helpful 69 Helpful It's not likely, but saving is a good start. You need to figure out a way to make a LOT of money. Then, in addition to saving, you'll likely need to invest.

Not Helpful 32 Helpful I'm a teenager working part-time at a grocery store. Should I have no other prior commitments, is going full-time is a good idea?

If you're a good worker, full-time employment is an excellent first step in accumulating money. Getting a good education is also very important, and you may have to work part-time in the early years.

Some entrepreneurs, however, have done well without much formal education. Not Helpful 23 Helpful Remind yourself that there have been some very successful people who lost a job at some point in their lives.

What matters is not how many times you've fallen or been knocked down, but whether or not you get back up again and learn from those experiences.

Not Helpful 10 Helpful Most colleges and universities offer work-study programs for students with financial need. You can also get paid to take notes in classes you're already taking, join research trials, or assist professors with research.

Not Helpful 71 Helpful They say that gambling and entertainment are the only recession-proof industries. Obviously, there are a few challenges with starting your own casino.

The casino industry is regulated and protected to death. You will face a long, uphill battle in the beginning. If you can maintain the fight, the rewards will be great.

Casino mogul Sheldon Adelson is a great example of getting rich via gambling. This is actually a pretty bad idea though because it is highly illegal to run an underground casino in most countries.

Having said that, I do know of a few people who have made a lot of money with underground casinos. If you live outside the US, an online casino may be a better option than running a brick-and-mortar operation.

Online casinos are cheaper to start than traditional casinos and they generate cash quickly. You can build your own gambling site from scratch or use a white-label solution for the software and payment processing.

There are two obstacles to overcome with an online casino. First, you must figure out the legality of running an online casino in your country.

In the United States, it is illegal to run an online casino at all. The second obstacle to overcome is the competition. The ease of starting a gambling site has led many people to open their own casinos.

You will have to fight to bring business to your casino. I recommend starting an affiliate program, connecting with website owners via online marketing forums and running a reputable organization.

When done right, online casinos can be hugely profitable. The operating costs of online casinos are minimized because there is no building to keep up, no dealers to pay, customers to clean up after and so on.

Casino affiliates make money by referring players to online casinos. If that player loses money at the casino, I keep a percentage of those losses.

If it helps any, I always give honest reviews, never recommend bad casinos and I always give players legitimate gambling advice.

Anyways, most online casinos have affiliate programs that you can join for free. Any time someone clicks on one of your links and signs up, that person is tagged as one of your players.

The reason I chose this path is because it requires the least upfront investment.

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