I would like to share with you the knowledge I got from David Bach's book entitled " The Automatic Millionaire ". I learned that in order for us to be rich and have millions in our retirement years, the only thing we should do is to make our cash flow automatic . What I mean by this is before you get your salary from your bank account, it should automatically transfer a certain amount that you set once into your other account that is made for that purpose. In that way, you will never get a chance to withdraw or feel guilt to spend all your money because you've already saved money in the first place. That principle is called " Pay Yourself First ".