In a recent video, financial expert George Kamel shared several hard money truths you should know to take control of your finances and succeed at building wealth. You’ll have better success if you take control of your own money by budgeting, investing, getting rid of debt and making income-increasing moves. Instead of making you rich, this lifestyle can run up debt and hurt your long-term goals, like retiring on time. According to Kamel, if you’re cynical or believe you can’t achieve your financial goal, you’ll likely prove yourself right. Kamel recommended sticking with making consistent retirement plan contributions, which this Ramsey Solutions study found was a common millionaire habit.