One important way to help improve your wealth image and bring you closer to achieving a healthy wealth image is to make some decisions about where you want to be wealth wise and begin setting goals toward that end. It is very important to set a long term goal then break it down to smaller goals that you can achieve over a year, month, week and even daily. Writing down even the small, seemingly unimportant tasks will help you because when you can cross off something after you have achieved it does give a great sense of accomplishment and help spur you on to the next goal. Write them down and tape them where you will see them so you can remember to look at them. Keep them before your eyes.

The looming hardship that will be faced by many of the baby boomers once they retire could well affect women a lot harder than men. The likelihood of the government being able to afford any sort of reasonable amount of pension is very slim, simply because of the magnitude of the number of people who will be retirees, compared to the working population. The Australian government has realised this, and that is why they introduced the compulsory employer paid superannuation scheme and are even now beginning to give financial incentives to Self-funded retirees. They are also now encouraging people to work well beyond the 65 year barrier.

Creating wealth is not as difficult as many people think. Many people think that creating wealth involves coming up with something different and being innovative.

Most of us dream of a retirement of travel, relaxation and nothing but free-time. But, if you're in that majority are you in the minority of those actually saving for your golden years? Only about 30% of Americans are actively saving for life after 65 and only about 25% are confident of their ability to afford it. The scariest statistic of all? Almost half of the workforce have no retirement plan in place at all.

The only way for you to achieve financial freedom is to get out of debt and stay that way. Only when your financial situation is no longer controlling every aspect of your life can you say you have financial freedom.