If we were to choose a celebrity to inspire us to stick to our debt diet, who might that be?  Most likely we would choose someone who is a millionaire, or perhaps a billionaire.

You could create millionaire kids with as little as $3K a year invested for 5 (five) years.

In fact, the average millionaire isn't a celebrity at all - they're the average Joes who might live next door to you.

If a fifteen year old were to invest $3K a year for 5 (five) years and then never invest another dime, he would still have more money at age 50 (fifty) than the "late" investor who invests $3K a year starting at age 19 (nineteen) and invests for 8 (eight) years.

It's easier to keep goals when we write them down.

Habit #2 Focus - Live below your means and invest the difference

Habit #3 Focus - Jim and Sue McIntyre are millionaires profiled in David Bach's book The Automatic Millionaire.  This couple never made a combine income of more than $54,000 per year, in the early years they made a lot less.  By "doing what it takes" they were able to retire in their early fifties with a $450 K home (paid for) a second home valued at $325 K (paid for), and no debt.  Their net worth is around $2 (two) million.

The authors husband and her follow much the same path that the McIntyres followed, but they took theirs to a second step further and they give 10% tithe, to their local church.

Give Time:  Donald Trump has the same 24 hours as you do!  Why not look at donating your time to a nonprofit organization?

Join Your Local Church - According to Barna Research Americans believe in the power and impact of prayer:  More than four out of five adults (825) pray during a typical week.  Nine out of ten adults (89%) agree, "There is a God who watches over you and answers your prayers."

Ellie Kay, author of The Debt Diet.  She is a national radio commentary, and gifted speaker.  She is known as America's Financial Expert.