By Peiying Peng & Liz Zed

Step 4. Never break your commitment.

You are committed to the disciplined accumulation of money. Your promise to yourself is to keep it untouchable. Perhaps you will make attempts to reach for some of the money stash with your grasping hands at the first sign of a problem. Resist the temptation.

Keep conscious by noticing as the signal grows stronger. When you have allies or a support system the signal will be internal. And it will threaten to overpower any accountability partners! There may be urgencies, even crises.

Surely, if nothing else, the material options presented to your immediate gratification system will flash ‘have-to-have-it’ messages. Challenge the demands of your self-image. Stay the course. The pay off will be worth it. Your newly forming glimpses into the freedom of a new future will soon turn income into riches.