Ric Edelman: author of "Ordinary People, Extraordinary Wealth," financial guru.

"Rich people start off as poor people. The difference is they take the nickels and dimes and they invest it — they didn’t spend it all at the mall."

Life is a habit — a routine — a blur from one day to the next. And when you piece all of your little habits together, it shapes who you are as a person. The key is making the right habits stick and shedding yourself of the bad ones. Therefore, before you can even start investing, building wealth and putting money in the bank, you need to first put the right habits into your mind. Then you’ll be far ahead of most Americans, who will still be working when they should be retiring. A no-nonsense plan can help grow your wealth. Ric Edelman, best-selling author, nationally recognized TV and radio host, and financial guru, has just the plan you need.