Does your money tend to run out before you run out of month? If your like many Americans that might be a common occurrence. It doesn’t have to be that way! Wealth is the result of increasing the difference between what you earn and what you spend, and developing a habit of setting some of that aside. Most of us make the mistake of increasing our spending as our disposable incomes rise over time. This is self-defeating. If you do not develop an understanding and respect for money, it will always seem to slip away.