2. Budget your wealth wisely. Many hip-hop artists spend instead of save. If a person is operating without a reasonable monthly budget it could lead to major financial problems. A budget helps in managing cash flow. And is a major a part of your personal prosperity plan to get a clear sense of exactly how many dollars are coming in and how much is spent. Otherwise you will be living paycheck to paycheck, especially if cars, strip clubs and material things are what you use your money for.