Wealth. Just the word has a certain gravitas and power, doesn't it? We all want to build wealth, regardless of our age. No matter what stage in life we find ourselves in, prosperity is a worthy goal. Of course, what it means to live a wealthy life is different for everyone. From a purely financial perspective, there are some general guidelines for building wealth over time. Basically, to accumulate wealth over time, you need to do three things: after earning and saving, investing is key to long-term success and financial freedom. But while the basic steps to building wealth are simple to understand, they're much more difficult to follow.