Are you watching your friends achieve financial success while finding yourself stuck in a rut? Here are 7 things that will put you ‘light-years ahead.’

1. Track where your money is going.

2. A high-yield savings account is your friend.

3. …So is a financial planner.

4. Put away 10% of your paycheck into a retirement account.

5. Get rid of high-interest debt.

6. Invest in stocks.

7. Purchase life insurance.

Business Insider goes into even more detail in an article posted online Monday.