4. Start placing a higher value on your time. Time is more valuable than money. You can always get more money, but you can never get more time. It is possible to become twice as valuable, and make twice as much money in the same amount of time. There is nothing more valuable than time invested wisely. We all have the same 24 hours, and it’s what you do with them that determines everything. 5. It’s Ok to say no. Steve Jobs once said, “It’s what Apple said “no” to that ultimately made them successful.” If you’re over-extending yourself and committing to too many things, this word will change your life. Say "no'' to everything that doesn't create income for you until you get your income to a place you feel confident and secure. Make a commitment to yourself that you will focus on income-producing activities versus tension-relieving activities. 6. Proximity is power. Most broke people hang with other broke people and they usually stay broke, t...