You will build wealth if you invest every month.

Start as early in life as possible.  As your nest egg gets bigger, the interest it earns will also get bigger.  This creates a snowball effect that allows your wealth to grow rapidly the longer it is invested thanks to the power of compound interest.

Automate your monthly savings and investments.  Having an automated monthly investment plan allows your investments to be made each month with no need for self motivation or discipline.  Once the system is set-up, you will be investing in your future every month no matter what.

Make monthly investments in this order:

1. Eliminate credit card debt - Get rid of your credit card debt.  If you can't pay off your credit card bill each month, stop buying so much stuff. 

2. Build an emergency savings fund - Save enough money to cover three to six months worth of expenses if you lose your job or are injured.

3. Get your 401k matching funds - If your company offers a 401k plan with matching funds, invest enough to get all of the matching funds.

4. Fully fund a Roth IRA - A Roth individual retirement account (IRA) allows you to make investments that won't be taxed while the fund grows or when you withdraw the funds.

These steps can be combined with a percentage of monthly savings to each category.

Once these first four steps are completed, you can choose from more advanced investment options with any additional money you would like to invest:

Invest in your home - By making a few extra mortgage payments (applied to the principle) each year, you will greatly reduce the amount of interest you will pay over the life of your home mortgage loan.

Invest in the stock market - You don't have to pick and choose stocks or know when to sell them.  You can just buy index or mutual funds and keep making monthly investments into them. 

Invest in a business - A high risk, high reward investment since nine out of ten new businesses fail. 

Invest in real estate - You can passively invest in real estate through real estate stocks and investment trusts or you can actively invest in real estate by buying and managing properties.  You need to consider the financial and time commitments involved with actively managing real estate investments.

Invest in a college savings fund - Most states have a college savings fund, but you can choose to participate in any of the state funds.  There also are 529 savings funds offered through most financial services companies.

You can do this.  Save money each month.  Get your financial house in order.  Build wealth.