- Desire: You must really want it. You must be willing to make sacrifices in the short term; you must be willing to delay and defer gratification and instead save and invest the money.
- Decision: You must make the decision to do whatever is necessary to become financially independent.
- Determination: You must resolve to persist until you succeed, in spite of all the problems and obstacles you will experience.
- Discipline: You must develop the discipline, action by action, to develop the habits necessary for success.
Brian Tracy, Getting Rich Your Own Way