Most of us are not looking to become millionaires. We just want enough wealth that provides financial security for our families and allows us to enjoy small luxuries every once in a while, like vacations, and new cars. But unfortunately, getting to that level of financial security – for some – is easier said than done.

That’s not to say it’s not achievable. By consistently following a strategy over the years, long-term wealth can happen for you. Here are some smart habits you can adopt that will help get you to your desired level of wealth.

Automate your finances. This is key! Set up your accounts to take money directly from your bank so that you don’t have to remember to pay your bills every month. You can send money automatically to investment accounts, savings accounts and creditors – allowing you to build wealth effortlessly.

Invest. Investing in your employer’s 401K plan is an effective way to build wealth. Employers take the money out right when you’re paid. The contribution lowers your taxable income and may be partially matched by your employer.

Set money goals. Write down your goals for your annual income and net worth. It’s important to be realistic, but don’t be afraid to challenge yourself! Having these goals outlined will help you figure out what you specifically want and will make it easier for you to achieve these goals.

Save your extra cash. Get in the habit of stashing any extra cash you get (even if it’s just $20), into an investment account. The more you do it, the more it’ll add up! It’s also good to establish a habit of saving – you never know when you may need it!