By: M.S.Yatnatti: Editor and Video Journalist Bengaluru: Don't buy things you simply can't afford .If you live above your means, you won't get rich. Even if you start earning more or get a hefty raise, don't use that as a justification to give yourself a lifestyle raise. Work smart and get success, According to financial adviser Ric Edelman, in order to ensure future wealth, you must equally work hard and smart. One way, he suggests, to do that is to invest your money in the stock market or a retirement fund. "You can do this without taking a huge amount of risk, without a lot of effort, and without spending a lot of time,.Put emphasis on earning, Another way to work smart? Increase your earnings, not just your savings."The masses are so focused on clipping coupons and living frugally, they miss major opportunities," reportedly said Siebold .There's no need to abandon practical saving strategies. However, if you want to start thinking like the rich, stop worrying about running out of money and focus on how to make more. A common thread among millionaires is that they develop multiple streams of income and adopt smart savings habits.don't be content with a steady paycheck ,Average people choose to get paid based on time -on a steady salary or hourly rate -while rich people choose to get paid based on results and are self-employed."It's not that there aren't world-class performers who punch a time clock for a paycheck. But for most, this is the slowest path to prosperity, promoted as the safest," said Siebold. "The great ones know self employment is the fastest road to wealth."While the world-class continue starting businesses and building fortunes, "The masses almost guarantee themselves a life of financial mediocrity by staying in a job with a modest salary and yearly pay raises," he added.Note that "everyone has the same opportunity to acquire wealth," says self-made millionaire Steve Siebold.But not everyone seizes the opportunity. Be out of comfort zone if you want to build wealth, be successful, or get ahead in life, you're going to have to get used to uncertainty or discomfort. Overcoming fear and taking calculated risks are the key elements to achieving success."World class thinkers learn early on that becoming a millionaire isn't easy and the need for comfort can be devastating. They learn to be comfortable while operating in a state of ongoing uncertainty," said Siebold. Pursue your own dream.If you want to be successful, you have to love what you do -that means pursuing your passion.Too many people make the mistake of chasing someone else's dream -such as their parents' -explains Thomas C Corley, who spent five years researching self-made millionaires."When you pursue someone else's dreams or goals, you may eventually become unhappy with your chosen profession," he said. "Your performance and compensation will reflect it." One of the most effective ways to earn more money over time is to invest it, and the earlier you start, the better.You don't have to be an expert about personal finance or use fancy economic jargon to start investing. You don't have to come from an affluent family, and you don't even have to earn a massive paycheck. Start by investing in your retirement savings or a low-cost target date fund and you'll see huge returns in the long run.