Here's a fact of life for you to ponder:

You'll never be rich or financially free as long as you're working for someone else. J. Paul Getty, once the richest man in America (some say the world), made that statement a long time ago, and it's as true today as it was back then.

When you work for someone else, you're making your boss rich while you remain a slave to the system. Even if you earn a high salary from your job, you're still a slave because if you stop working, you stop earning. That's not my idea of freedom.

Financial freedom is what you get when your money is working for you, as opposed to you working for your money. When your money is working for you, you don't have to be in the picture the whole time, yet you'd still be earning an income.

If you want to enjoy true financial and time freedom, then you need to own your own business.

You first need to educate yourself about money matters so that you're financially literate. Educate yourself then act on what you learn. Then you'll be free from money worries.

To help you get educated, I highly recommend Robert Kiyosaki's books ('Rich Dad, Poor Dad', 'Cashflow Quadrant' and others), as well as 'The One Minute Millionaire' by Robert Allen and Mark ('Chicken Soup' series author) Victor Hansen.

To find out about owning your own business, read 'The Business School' by Robert Kiyosaki.