The road to financial success starts with the basic so first thing first tackle your credit card debt. Pay down all balances and keep them that way! Step two set up an emergency fund of a least six months of your net income.
Now that your done with that...
define your goals!
Decide whether your saving for a new home? Retirement? Starting a business?
Construct a five year plan-
How do you plan on buying this home? Saving for retirement? Or starting that new business
Outline ways to save/cut back
Generate income either with bank interest, CD accounts, stocks and bonds, your 401K
Consult a financial advisor if needed!
If your considering stocks or IRA's I recommend shopping around for brokerage firms! Account minimums, commissions, management fees, and service charges are just a few things to think about. Choose wisely do your research!
Set your money on its course...different funds do different things! You might want to speak to someone before jumping head in at this point to help you assess your risk level.
Setup annual alerts check your portfolio commit to what works and ditch what doesn't, either from your 401K or your stock portfolio.
Another great way to build financial success is through property ownership, as rentals and quick flips. Owning a house or condo is a great source of income and a nice tax right off.