How do you live smart in all ways? Financially, etc.

We as individuals do not know how to live smart. The biggest issue is when it comes to our finances. How to invest and put away the correct and smart way. Obstacles we have to overcome just to be financially set free and what we have to do to gain self control. What can we do to find way to change our daily habit and get in the mind set to prepare our selves to live comfortable and free.