Being rich doesn’t just happen. It starts with a mindset about money, wealth and long-term success. Then it’s followed by taking the right actions on a daily basis to get there. Don’t make the mistake of waiting to improve your habits after you score the “big deal,” either.

In case you missed part one, today we’re continuing our discussion of why you’re not rich and offering practical changes you can make to start changing your mindset, building wealth and moving toward a favorable financial position.