While a six-figure inheritance or high-paying job can land you in the top 1 percent of earners, it’s the little things like your money habits that often make the difference between a life of prosperity and one of constant financial stress.

No matter how much or how little money you have of it now, financial experts say tackle retirement right away.

“When you’re 20 years old, you think retirement is so far away,”says financial advisor Kathy Boyle. “If you start with even a small amount of money and get into the habit of saving, it will make a huge difference down the road.”

Also, check your withholding.

If you received a big return this year, it just means you gave Uncle Sam an interest-free loan from your paychecks throughout the year.

Adjust your withholdings to get as much as possible without owing the IRS when you file.

Try living like a "secret" rich person.

Contrary to the millionaire image of sprawling mansions and shiny Bentleys we see on television, most wealthy people live well below their means. They do more saving than spending, not flashing their money.

Experts also recommend cleaning up your accounts.

Get rid of old checks, statements, and unused accounts.

Check your retirement accounts, too. Most people have at least one from an old employer sitting around.