Oftentimes it is the most difficult step. You may have to break old habits and start new ones. No investments, no nestegg, and no retirement. Remember, this first step doesn't require any rocket science, just simple compounding. And millionaires are especially oriented to goals.
Goals are the incentive to achieve.
Total financial independence and the freedom to retire early and never have to work again. Every master motivator in the world will confirm that if a person has a goal that resonated in their heart, soul and gut, they will find the way to make it happen. They will create a plan, get into action, discover the discipline, focus, tenacity and tools to reach their goals. I was wrong. There is no greater power known to man than compounding interest.