Each time you eliminate an expense such as rent make sure that the amount you used to spend is immediately saved and invested. Let’s say you have been renting and you move into your own house. If you have been paying 500k in rent, for instance, that money should be put in a unit trust. If your company gives you a fuel card then the money you used to spend on fuel should be saved and invested. If your employer gives you airtime the equivalent amount should be saved. If your employer gives you an housing allowance, then the rent you used to pay should be saved and invested in a passive investment vehicle like Treasury bills.