Where are you in the different levels of wealth? Struggling to pay bills? Doing well in your job, but are married to the job, and without free time? Or living the life of your dreams, working in an area you love, with passive income streams paying for your lifestyle?

Some people never get beyond a downward struggle with money. Born into limited financial means, they never learn how to change the messages they received, regarding money, from their poor parents.

Still others, who work all the time, who can and do buy nice things, still feel that are on a treadmill, constantly working, rather than actually getting ahead. They wonder, I work all the time, and yet I have no money! How can this possibly be?

Some are burned out from a professional choice that did not become the life they wanted. Many people find that after having worked for many years, that the profession that they chose has a happiness limit, and a financial limit, that does not allow for an easy escape. Finding that getting a college degree did not translate into the financial success that they thought it would, they realize retirement is looming closer and limited finances could be their future.

It can be frustrating to see other people having beautiful things — cars, clothes, houses, travel — and especially, the free time to enjoy all of those things — but yet, not have those things yourself, even after years of working.

So, what is the answer?

The answer is to learn the laws of money; step by step. Money has a certain pattern in the way that it works. You can learn a version of this pattern that is exactly right for you. MoneyStepbyStep.com is about discovering that future in a methodical fashion, starting with career and going all the way to passive investments, so that you have a choice in whether or not to work, in a step by step fashion.

In fact, there is a way to discover the right kind of work for you, so that working is a pleasure to you. There is a path to developing the right habits to keep your income, and redirect your time, so that you slowly start becoming more financially stable, and self directed toward your goals. There is a way for you to become a homeowner, with a fixed mortgage, which will stabilize your living costs. There is a means to understanding the stock market, so you can participate in the national, and the international, economy.

You can learn to find or create investments, based on your ideas, that will become your money source. You will learn how to focus, NOT on getting income through a job, but rather through passive income, for which you did not have to get up and go to work. A job can be taken away from you at any time. But passive income can be forever, and without a boss.

All of this is within reach for you. Happiness and personal progress is for everyone, and that includes you, too. But you must have a firm determination and the willingness to do what it takes to succeed. If that sounds like you, click onto the any of the links below or simply, read on to the next post.

Below is the Chart for the Twelve Fundamental Steps to Wealth, which describe the wealth habits that you must learn, before you can become a truly experienced investor. The Chart can be read in the order presented. But the Jump Bar below, at the top right of the page, will allow you to jump around to a specific topic, at any time.

This will be will be the first step you take in creating a life, rich in fortune and opportunity. Chart a course for your future. Begin today.

Step 1: Income from Your Daily Industry is the First Step of Wealth!
The First Great Step of Wealth: Your daily industry is what will make your wealthy. You must have an occupation where you earn a steady income. Benjamin Franklin, “The Way to Wealth”, (1758). Recommended Reading Benjamin Franklin, “The Way to Wealth”, (1758). You may rightfully say, "Wait, this is no ...
Step 2: The Power of Self Discovery
Everyone has somewhat of an idea where their strengths and talents lie, but the trick is finding the type of work that can utilize those assets. Here are a few ideas to help you find your way. Recommended Reading Scott Adams, “How to Fail at Almost Everything and Still Win ...
Step 3: The Magic of 10%
It is not enough to have a good income coming in from your daily industry -- your job or your business. You have to be cash ready in life. You have to avoid the doubling of troubles by, having an emergency, not having the cash to deal with it, and ...
Step 4: The Secret of How to Keep Your Savings
Make It Very Hard to Access! Believe it or not, money is purely a head game. The most important thing is how you think about yourself, how much you are willing to take care of yourself, and how much you are willing to strategize to have a better life for ...
Step 5: The God of Knowledge Knows Where Your Money Goes
In order to become financially successful, you must become knowledgeable about your spending habits. In order to do that, you need to be organized. There is no way around it: you have to track exactly how much money you have coming in and exactly how much you are spending. Recommended ...
Step 6: You're Richer Than You Think (But to Know, You Will Need to Create the Income and Expense Statement!)
Thus far, we have been talking about how to track expenses. So, you now have created a complete calculation of your total expenses for the month. The shock of how much money you have been blowing out the door will subside. And wait! You have income, too! Recommended Reading Robert ...
Step 7: The Eternal Laws of Time
Every day we make choices about how we live. If you are committed to becoming wealthy, then you have to be willing to change your habits. And that means two things: analyzing your spending habits and analyzing your time habits. Recommended Reading Kevin Kruse, "15 Secrets Successful People Know About ...
Step 8: How to Slay the Dragon of Endless Expense
Life is not about working all the time just so that you can pay bills. Life is about doing what you want to do with your time. But you have to pay for your overhead. What exactly is overhead? Your expenses - what it costs you to live every day ...
Step 9: Cuz I'm the Taxman, Yea, I'm the Taxmaaannn
If you ever looked at the pay stub from your paycheck, where all of the taxes are taken out of your check, you know how expensive taxes are. In fact, taxes are usually the biggest category of expense. Your taxes will be higher than your rent, your food, your car ...
Step 10: Do I Really Have to Pay for That?
Thus far, under Money Fundamentals, we have been talking about the expenses that you cannot really get around -- housing, food, transportation, utilities, taxes -- these are things, for which you cannot really avoid paying. In order to become wealthy, you need to keep your cost of living as low ...
Step 11: Time to Attack, Crackerjack!
So far we have been taking about overhead; what it costs to live. Shelter, utilities, food, transportation, taxes, and insurance are the six categories that you cannot eliminate. But for most choices, if you want to become really wealthy, meaning that you don’t have to work at all, then you ...
Step 12: The End of Financial Slavery
In this final essay of Money Fundamentals, we will discuss the need to eliminate the debt caused by consumer credit. Consumer credit is credit extended to individuals (rather than businesses) for personal or household use. This includes all forms of installment payments, other than for real estate. Credit cards, auto ...