step seven is to live below your means because if you don't you're never going to get out of that paycheck to paycheck cycle it's going to be this constant like we are spending what we have versus saying hey this is what we're making and we're not going to spend 10% of it 8% of it like whatever it is like find even a percentage just to say let's try to save this amount and live below it and when you start doing that and that becomes a habit as your income increases that will continue to be your Lifestyles you're able to say We'll up our lifestyle a little bit but we're always going to live below our p