 If you're going to build wealth, you're going to do it on purpose. And if you're going to do it on purpose, the way you do it is monthly, you do a written plan telling your money what to do, giving every dollar a name. It's called a budget. And every dollar gets a mission. Every dollar gets an assignment. Every dollar gets a name of your income before the month begins, and you agree on it with your spouse, and you pinky swear and spit shake to stick to the stinking plan.