A key principle that explains how people get rich starting from nothing is called the law of accumulation. This law says that everything great and worthwhile in human life is an accumulation of hundreds, if not thousands, of tiny efforts and sacrifices that few people ever see or appreciate. This law explains that great success seldom comes overnight, or as the result of a single experience or breakthrough. Instead, enduring success gathers and accumulates over time. You have to put in countless tiny efforts that nobody sees or appreciates before you achieve anything worthwhile. In some ways, financial success grows like a snowball. A snowball starts very small, but as it rolls forward, it grows and accumulates as it adds millions of tiny snowflakes to its mass.

Every large fortune is an accumulation of hundreds and thousands of small amounts of money. Riches seldom start with great financial breakthroughs or jackpots, even though that is what most people believe and strive for in their twenties and thirties. Instead, riches and wealth grow and accumulate slowly at first, one step at a time, and only go to those special people who demonstrate an ability to earn the money and then hold onto it. The place to begin on your road to wealth is right where you are, right now. If you cannot discipline yourself to practice frugality, and begin saving your money in your current circumstances, you cannot expect to develop these qualities later on.
If you were looking for a simple formula for financial success, it would be contained in the five words: Spend less that you earn.. The place to start is for you to take any amount of money that you can right now, open a special bank account for financial independence and begin to save. When you begin to save money, you set up a force field of energy around that money that begins to attract more and more money into your life. As you add these additional amounts to your wealth account, you create an even great magnetic force that attracts even more money into your life.