Financial independence is a goal that most Americans aspire for, but few attain. And the most common reason why people lack financial wellness is the lack of information about wealth creation or lack of confidence in their ability to create money.

However, there is a silver lining. Regardless of your credit score or income, if you seek financial literacy and apply the knowledge in your everyday activities, you are more likely to have financial freedom.

Below are some steps for enhancing your financial wellness.