So many people ask that question because there's no one answer. There are underlying habits that anyone needs to have to increase their chances at financial stability, such as living within a budget and not using credit cards outside of emergencies. But other than that, there's no one size fits all for wealth building. Whether you start that process with saving up an emergency fund, investing in stocks, starting a business or paying off debt all depends on your situation. Start with an evaluation of where you are and what your goals are, and that will point you in the right direction.