Just Getting Started? "Super Seven" Key Action Steps1) Develop a budget and stick to it. Learn to live below your means.2) Commit to save 10% of your income on regular basis. 3) Build a cash reserve equal to three months of living expenses.4) Start investing early regardless of the amount - either in a 401k plan or Roth IRA.5) Limit yourself to one credit card and always pay it off monthly.6) Maintain adequate health and life insurance. You earning potential is your biggest asset. 7) Don't buy or rent more home than you really need.