1. Learn how to save and make investment
It does not matter how old you are, if you are keen on making it in life, then you have to start by learning how to save.
Nothing is too small to be saved; these savings can be kept in secure accounts that you do not have access to. This will help you not to touch the money even when there is an emergency.
Whatever you save should be invested and not placed into another savings account. The best way to tie money down is to invest it into a profitable business that will yield return. If you are working, a part of your salary should be saved every month.
Contribute money towards your retirement so that you are not stranded in any way when you are no longer in active service.