The first step is to asses and esta

The first step is to asses and establish a gauge by which you measure your current financial wellness. Your assessment and gauge will change many times throughout your life because Financial Wellness is an ongoing, dynamic, fluctuating process.
You also need to develop a healthy awareness and understanding of your personal circumstance and what steps you're taking to improve the state of your financial situation. Work towards creating a balance between how you think and handle money. Knowing where money comes from and where it's going is also important.