Jusy try not to spend more than what you earn. I think all you know. Below mean Within Mean and Above mean. It mean like you earn $100 you spend just like $100 you are within mean. Below mean etc you spend $80 left $20 that is below mean Above mean mean you spend more than $100. Which i don't know how ? some etc, borrow money from friends,installment,bank loan.
Also no matter how much you save, you HARDLY save to a millions dollar. so try invest. which i also don't know how. by my own personal knowledge .... my thoughts
Any more better suggestion can suggest?