We've all heard the adage: "Be careful what you wish for, you may get it." A more realistic statement about attaining financial security might be: "Be careful what you wish for and how you plan to get it, or you won't." This may sound pessimistic, but it's really not. You can succeed in reaching your goals for building wealth for your lifetime use and passing it along to your heirs. But, in order to do it, you'll need to do things a bit differently from most people, who rarely create workable personal financial plans, or, if they do, don't follow through long enough to see the benefit in them.