4. Talk to a free debt coach

Next on our list of tricks to build wealth is getting rid of debts so you can focus on saving. One of the best ways to do that is through the National Debt Relief. As one of the most respected providers of debt relief in the US, the program has helped over 500,000 Americans. Moreover, they are top-rated by ConsumersAdvocate, ConsumerAffairs, TopConsumerReviews, and TopTenReviews.

This is how it works: You fill out a form on their website, and then a debt counselor will reach out to you to find out more about your situation. If they can help you, they will come up with an affordable plan that works for you and offer you an estimate of when you’re expected to be debt-free.

The best part? There’s no upfront fee or obligation to get started.