Financial expert Jean Chatzky wants you to stop making excuses and get richer! She has four simple steps anyone can follow to the path of financial success.

Maximize Your Income

• Set an income goal.
• Ask for a raise.
• Work an extra hour a week.
• Learn more about making more.

Spend Less Than You Make

• Pause before you purchase.
• Pay bills on time.
• Use a debit card.
• Shop around.
• Find extra money for your savings.

Invest Money You Don't Spend

• Save automatically.
• Earn more interest.
• Build your money confidence with Jean's investment basics.

Protect Your Money

• Get insurance.
• Get a will.
• Get an account in your name.
• Learn how to better secure your future.

From The Oprah Winfrey Show This is the Year to Get Richer!