I keep telling people the way to financial security is to.....
Want Less!
Seems easy enough but maybe you don't need a cell phone or a new car. Answering machine or second hand car will suffice.
Hardest thing to do? Save up $10,000. After you have the discipline to do that, everything else comes easy.
When the washer or dryer breaks you go get a new one and pay cash. I can't believe the number of people who shop all day to find something only to put it on Credit card and make it a bad deal.