We've all heard of get rich quick schemes before. Usually they involve some type of investment into a product that people are selling such as a book. It makes one wonder why somebody that is a millionaire is peddling books on topics such as "mortgage investing" because if they were so successful, they would be out investing in mortgages rather than selling books! Getting rich on normal salaries takes many years to accomplish. With the right financial mindset, determination, and willingness to accomplish your goals through time, you have the ability to get rich. It's not impossible for somebody making $40,000 a year to become a millionaire using the right steps and money saving techniques!

1. The single largest mistake that people make with their money is going into debt. If you want to get rich, you need to quit paying banks and lenders your hard earned money in interest. This usually for most people would mean a drastic lifestyle change. This often means you have to suck up your pride and move out of your debt ridden homes, cars, etc. (Remember they truly are not yours anyway). Pay cash for a smaller run down home and car if that's all you can afford. You want to be OUT of payments. Remember that a typical home in a place like Dallas, TX costs $125,000 but all the interest in over 30 years will cost you $250,000 on top of it. So you will pay $375,000 for that home over 30 years. If you settle for a trailer home on an acre in the same area, you can own it for $30,000 and pay it off VERY quickly if not by cash. Never go in to debt for any reason!!! Banks have all the wealth for a reason! Remember that.

2. Save money on everything you do. Save money on your electric bill, save on food, gas, groceries/dining, etc. If you want to get rich you will need to be sure that you keep as much money in your pockets as you possibly can for savings, investing, and paying off debt.

3. Invest as much money in your 401k as you possibly can at work. Go to the maximum limit if possible. Often many companies will match these benefits at 100%. This money will grow. I would suggest you make sure that the money is taxed now rather than later due to the economy. You are more interested in your money being matched at 100% than the 401k itself simply because it doubles your money.

4. Take on side jobs in the trades that you are good at. If you are good at painting/art, try to sell paintings on places like Ebay and Etsy. If you are good with repairing automobiles start an "on site repair service" that you can do on the weekends. This will bring you extra money that you can put into savings. If you want to get rich you will need as much income as you possibly can while spending as little as possible.

5. Keep your money in high interest paying savings accounts or buying a CD. Putting your money into the stock market is a gamble, however, everybody has their own opinion on gambling with their money. Keeping your money safe and secure is the way I feel money is best kept. By following these steps, staying out of debt, being very frugal, putting back as much as you can in a 401k, taking a side job, and keeping your money making as much money for you as possible, you are sure to get rich!