At the end of step 3, I began to discuss how you can put your money to work for you. For the longest time, I kept my savings in a brick and mortar bank savings account which earned next to nothing interest. This was a huge mistake. I should have been investing each dollar strategically in order to earn worthwhile returns required in the compound interest over time process. As soon as I realized how to do this, my financial mindset began to change for the best.