If you truly want to change certain areas of your life to reach the financial freedom we all have dreamed about, are you willing to get out of your comfort zone and try the innovative ways of doing things? If you're serious about taking your life to a higher level, you will need to make a plan and stick with it. You will form positive new habits and be on your way to a financial life beyond your dreams. When we fail to plan, we plan to fail. Don't be one of those 90 to 95 percent of American households that operate without a detailed accurate written outline of income and expenses. The number-one reason for small business failure is poor record-keeping, which leads to overspending and getting in debt. Set big dreams. When you do, it shows that you have greater confidence in yourself, which makes achieving them faster and easier. If you can dream it, you can achieve it.