Well you may be surprised, but yes there is.

So what is that secret, some would argue that in most cases all you do is need to look at the parents to figure this one out as they are a guide of future wealth. But rest assured that is not it. The secret to wealth is:

"It's not difficult to obtain financial success and build your wealth."

This secret according to Brian Tracy in his audio CD book The 21 Absolutely Unbreakable Laws of Money teach you how to become a master of your own money and gives you the laws behind building your own financial wealth. Brian passes on the result of his studies and shows you the 21 absolutely unbreakable laws of money, you will learn how to:

* Become a money magnet

* Increase your income immediately

* Learn the secrets of wealth building

* Build a financial fortress.

If you want to become the a member of the magic 1% then this is not something you will miss out one. Brian as usual has done a great job and explains the unbreakable laws of money is such away that you will learn how to attain wealth. Without the mind numbing theory, you will actually learn about 'Cause and Effect', the 'Law of Savings' and the all important but often forgotten compound interest concepts.

As it is frequently said, and supported by the Smart Millionaires Guide, you need to understand money before you earn it. If you are going to purchase a material today and begin you journey to wealth.

An honest review of Jean Chatzky's Pay It Down: From Debt to Wealth on $10 a Day

Many of us that are deep in debt choose to take the road less traveled when it comes to getting out of our credit card debts. You could just go to a debt management service or get a consolidation loan, but is that really the best way? A good debt management service can be hard to come by and they will charge you a fee when you start and monthly frees until you are done. After talking to one of these services a while back, it became clear to me that there must be a better way. So I made a special trip to my favorite online book store in search of a debt guru to help me find that better way.

Pay It Down: From Debt to Wealth on $10 a Day

I am over my head in debt right now, so the title looked promising, and who doesn't want to be wealthy. This book is not new, and with the recent changes in the way credit card companies are handling their card holders, it is a bit out dated. The main structure of Pay It Down is a nine step plan. The first steps start you off figuring out why you are in debt and exactly where you are spending your money. It is important to live below your means to get and stay out of debt. Then there is a step involving credit scores, which you will likely find in most personal finance type books. The next steps outline ways that you can free up that $10 a day to apply to your credit card debt.

You will find some good sound advice in this book for changing the way you spend and save your money. The Author is very practical in her approach to getting out of debt, and if you use her methods you can do this your self without paying fees to a debt elimination service.

In the book The Next Millionaires by Paul Pilzer, the idea is put forth that our personal financial success is not only based on what resources we have available to us, but also what tools we use.

The Next Millionaires is a great book on the new economics that will shape our current and future generations and it challenges many old economic principles. One of the great gems found inside is an equation that Paul discovered.

W = P * T

Wealth = Personal resources * Technology

This theory suggests that our wealth (as a society) is determined not only by the resources we have, but those resources times the technology that we have. This is a very interesting way of looking at things. The example is given of the oil/gas crisis of the 1970s in America. There was a projected shortage of gas and so, it was even rationed at the time. Then, average gas mileage was about 9 miles/gallon from a $300 mechanical carburetor. Newer technology in the next decade brought the computerized electronic fuel injector at a cost of $25 and yielding mileage of 22 miles/gallon. The amount of gas (the resource) remained about the same (actually it went down slightly as usage continued) but the technology effectively doubled the supply.

Thus, the overall wealth was increased by the technology. Considering the resource on its own is not an effective way to measure its use. Technology truly does have a great impact.

Similarly with personal finances, we typically have a relatively fixed set of resources. In most cases it is not easy or possible to simply increase our income, assets, etc. However, the technology we use to manage these resources can make a huge difference. Those who use tools to manage their money typically understand their income flow and spending habits better and can make better and more informed decisions about saving and spending, resulting in an increase in wealth.

There are many different types and forms of tools to help, from old-school pencil and paper, electronic spreadsheets, to sophisticated computer programs and online tools that can track every penny and tell you exactly where you are and where you will be if you maintain similar behavior.

Whatever tool you choose is better than nothing. But keep in mind the formula - the better your technology, the more wealth you'll have as you manage your resources more effectively!