2.

Avoid Unnecessary Spending and Debt

Stop buying things you don't need. Before you tap your card, ask yourself the
following:

 "Is this something I really need?"

 "Do I have something similar already?"
 "Do I want this more than I want to become a millionaire?"

Every dollar you spend on something you don't need is one less dollar you
can invest. Here's a reality check. If you invest an extra $25 a week for those
same 40 years, you would end up with an additional $277,693.