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To save money, you should refinance your mortgage to a lower rate. This way, you will have to pay more money per month, but you will save a lot more money in total interest.

In fact, it's the other way around: This way, you will pay a few hundred dollars more per month, but you will save more money in interest.

Talk to a loan officer about your options if you want to refinance your mortgage. If you want to get rich fast, try investing your money in stocks, bonds, or real estate.

To increase your wealth over time, get a degree and pursue a high salary career as a doctor, surgeon, attorney, IT manager, or software engineer.

You might also want to relocate to a bigger city if you want to make the most money at these professions. No matter what your profession or living situation, you can get rich by saving money -- try creating a budget and cutting costs where you can, like buying food in bulk!

Put money in the stock market. Invest money in stocks, bonds, or other vehicles of investment that will give you an annual return on investment ROI great enough to sustain you in your retirement.

Don't get enticed by day traders who tell you it's easy to make a quick buck. Buying and selling dozens of stocks every day is essentially gambling.

If you make some bad trades — which is unbelievably easy to do — you can lose a lot of money. It's not a good way to get rich.

Instead, learn to invest for the long run. Choose good stocks with solid fundamentals and excellent leadership in industries that are primed for future growth.

Then let your stock sit. Don't do anything with it. Let it weather the ups and downs. If you invest wisely, you should do very well over time. Save money for retirement.

It seems that fewer people are saving adequately for retirement. Some feel they may never be able to retire. Take advantage of tax-deferred retirement plans such as IRAs and Ks.

The tax treatment they embody will help you save faster for retirement. Don't put all your trust in Social Security. While it's a good bet that Social Security will continue to work for the next 20 or so years, some data suggest that if Congress doesn't radically alter the system — either by raising taxes or reducing benefits — Social Security won't be available in its current form.

It is probable, however, that Congress will act to "fix" Social Security. In any event, Social Security was never designed to be the only resource for retirees in their later years.

That makes it all the more important that you save and invest for the future. That money is then invested and gathers compound interest. If you wait until retirement age to take money out of your Roth IRA, the money that you withdraw isn't taxed, because it was taxed at the time you first earned it.

Contribute to a k account. This is an account set up by your employer where pre-taxed contributions can be invested. Your employer may choose to match all or part of your contributions.

This is probably the closest thing you'll get to "free money" in your life! Contribute at least enough to take full advantage of the match.

Invest in real estate. Relatively stable assets like rental properties , or potential development land in a steadily growing area is a good way to build wealth.

As with any investment, there are no guarantees. Many people, however, have done quite well with real estate.

Such investments are likely to appreciate in value over time. For example, some people think that an apartment in Manhattan is almost guaranteed to increase in value over any five-year period.

For example, you might like having free time, so you give yourself a few hours a day to do nothing. But if you were to invest those few hours into getting rich, you could work towards having 20 years of free time 24 hours a day!

What can you give up now in exchange for being rich later? Investment advisor Dave Ramsey likes to tell his radio audience, "Live like no one else today so that you can live like no one else tomorrow.

Avoid purchases that are likely to depreciate rapidly. Don't spend money on stupid stuff. It's hard enough making a living. But it's hard and painful when the things you spend your hard-earned cash on are financial black holes.

Reevaluate the things you spend money on. Try to figure out whether they are truly "worth it. Casinos and lottery tickets.

The lucky few make money. The rest of us lose it. Vices such as cigarettes. Heavy smokers can only watch their money go up in smoke.

Huge markups like candy at the movie theatre or drinks at a club. Tanning booths and plastic surgery. You can get skin cancer for free outside if you'd like.

And do nose jobs and botox injections ever look as good as promised? Learn how to age gracefully! You're not the only one getting older.

A hot towel and another 4 inches Invest that money instead of throwing it away. It's hard to get rich, but it's even harder to stay rich.

Your wealth is always going to be affected by the market, and the market has its ups and downs. If you get too comfortable when times are good, you'll quickly drop back to square one when the market hits a slump.

If you get a promotion or a raise, or if your ROI goes up a percentage point, don't spend the extra. Save it for when business is slow and your ROI goes down two percentage points.

Method 1 Quiz What is the best way to gain money through investing? Buy and sell several stocks every day. Invest in and contribute to a Roth IRA.

Invest in a new car. Whether it's a four-year college or vocational training, some successful people pursue further education beyond high school.

In the early stages of a career, your employers have little by which to judge you besides your educational background. Higher grades usually lead to higher salaries.

Choose the right profession. Look at salary surveys which indicate average annual incomes for specific professions.

Your odds of getting rich are diminished if you pursue a career in teaching as opposed to a career in finance. Here are some of the highest paying jobs in America: Engineers who work with gas and oil companies can make a very good living.

IT managers and software engineers. If you're good at programming and a whiz at computers, consider this very well-compensated field.

Choose the right location. Go where the good jobs are. If you want to pursue finance, for example, there are far greater opportunities in big cities than in rural, low-populated areas.

If you want to build a startup, you'll probably want to consider going to Silicon Valley. Get an entry-level job and work your way up.

Play the numbers game. Apply to many places and subject yourself to lots of interviews. When you get your job, stick with it and get the experience you need to advance.

Change jobs and employer. Once you've gotten some experience under your belt, consider finding a new job. By changing your environment, you can increase your pay and experience different corporate cultures.

Don't be afraid to do this several times. If you're a valued employee, it's also likely your current company may offer you a raise or other benefits if they know you're looking at leaving.

Method 2 Quiz If you want to get rich through your career, you should: Focus on applying to only a few places that match your interests. Only apply to management-level jobs if you are new to your field.

Change jobs several times once you are experienced. It's one of the best feelings in the world when you can get paid to take home stuff you regularly use.

If you do this right, you can actually get paid to coupon. At worst, you'll save a few extra bucks that you can tuck away for a rainy day.

At best, you'll get tons of free stuff and will be richer in the process. It's not the easiest way to shop, but it's usually the most efficient. If you can borrow or buy into a membership to a bulk retailer like Costco, it can make real financial sense.

In some cases, you can find brand-name products for sale at serious discounts. If you're hungry and you like chicken, buy four pre-cooked Chickens at Costco at the end of the day, when they go on sale.

Freeze any chickens that you don't eat immediately. Learn to can foods. Succulent peaches , blueberries , and even meats can be canned and stored for consumption later.

Be smart about the food that you buy. Food wasted is money wasted. Reduce your utility bills. Electricity, gas, and other utilities can deeply impact your monthly budget if you let them.

Be smart about ways to keep your home cool during the summer and warm during winter. You may even consider investing in or building solar panels to channel the sun's natural energy into electricity.

Keep your utilities low, and watch the money you save start to mount. Get a home energy audit. This will allow you to find out how many dollars are seeping out of your home in the form of lost energy.

You can perform your own energy audit if you're the industrious type, but don't hesitate to hire a professional to complete the audit for you.

Go hunting or foraging for food. You may need to invest in gear and permits, but if you already have these, this is an inexpensive way to get your own food.

If you're ethically against the killing of animals, it's pretty easy to forage for food, depending on where you live. Just make sure to forage only for food whose origin and properties you are sure of.

Getting sick or poisoned is never any fun. Go deer hunting , duck hunting , or turkey hunting Go fishing or fly fishing Choose edible flowers , pick wild mushrooms , or forage for food in the Fall Start guerrilla gardening or build your own greenhouse.

Method 3 Quiz How can you reduce your living expenses? Buy small amounts of food at a time. Eat fruits soon after you buy them.

This means before you go and blow your paycheck on a new pair of shoes or a golf club you don't need, put money aside in an account that you don't touch.

Do this every time you get paid and watch your account grow. Make a budget and stick to it. Create a monthly budget that covers all of your basic expenses and leaves a little bit of "fun" money aside.

Sticking by your budget and saving at least some money each month is a good way to lay the groundwork for your efforts to get rich.

Downgrade your car and house. Could you make do with an apartment instead of a house, or have roommates instead of your own place? Could you buy a used car instead of a new one and use it more sparingly?

These are all ways to save a ton of money every month. Look at the ways you frivolously spend money and rethink everything.

For example, avoid going to Starbucks every morning. Track down your expenses. To soar your efficiency on cutting your expenses, it is vital to keep track of them.

Pick one of the numerous expense tracking applications there are around, like Money Lover or Mint, and record every single penny that goes in and out of your wallet.

Only certain video poker variants with the right pay tables can be beaten by the player. In some cases, the advantage comes from clearing bonuses or taking advantage of player comps.

A great resource for getting started is the Wizard of Odds video poker page. The best way to make money gambling is to make money off other people gambling.

Casinos reap in heaps of cash via gamblers, food, drinks, entertainment and hotel rooms. They say that gambling and entertainment are the only recession-proof industries.

Obviously, there are a few challenges with starting your own casino. The casino industry is regulated and protected to death. You will face a long, uphill battle in the beginning.

If you can maintain the fight, the rewards will be great. Casino mogul Sheldon Adelson is a great example of getting rich via gambling.

This is actually a pretty bad idea though because it is highly illegal to run an underground casino in most countries.

Having said that, I do know of a few people who have made a lot of money with underground casinos. If you live outside the US, an online casino may be a better option than running a brick-and-mortar operation.

Online casinos are cheaper to start than traditional casinos and they generate cash quickly. You can build your own gambling site from scratch or use a white-label solution for the software and payment processing.

There are two obstacles to overcome with an online casino. First, you must figure out the legality of running an online casino in your country.

In the United States, it is illegal to run an online casino at all. The second obstacle to overcome is the competition.

The ease of starting a gambling site has led many people to open their own casinos. You will have to fight to bring business to your casino.

I recommend starting an affiliate program, connecting with website owners via online marketing forums and running a reputable organization. When done right, online casinos can be hugely profitable.

The operating costs of online casinos are minimized because there is no building to keep up, no dealers to pay, customers to clean up after and so on.

Casino affiliates make money by referring players to online casinos.

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