This is a brilliant checklist Desiree.

I've found it easier to increase income than cut expenses.

I rented out 2 rooms in my house for a few years. A bit of a pain. But I gained 8k/year which I used for my first property.

Long term wealth comes from having a financial margin that you can invest in assets. Index funds are a good option.

I also made a lot by reducing fees on my investments. I wrote about that experience here:

https://medium.com/illumination/how-i-made-60k-with-one-simple-decision-anyone-can-do-this-too-b2234a0a3599