Get into the habit of saving and investing early. By Janet Bodnar, Editor-at-Large From Kiplinger's Personal Finance, May 2013 One of my favorite contestants on Bravo TV’s Top Chef Masters last summer was Lorena Garcia. Not only were her food and her personality appealing, but she also seemed familiar. Where had I seen her before? And then it hit me: on the cover of Kiplinger’s. In March 2007, Lorena was one of 11 success stories we profiled in "How to Make a Million." An immigrant from Venezuela, she was making a name for herself as a chef and restaurateur in Miami and as a cooking-show host. Five years later, she was a celebrity chef in the semifinals of a nationwide U.S. competition.SEE ALSO -- QUIZ: Do You Have What It Takes to Be a Millionaire? You can also see Lorena in commercials promoting Taco Bell’s new Cantina Bell menu, a healthier fast-food alternative that she helped develop. (I couldn’t resist trying the menu—I recommend the cantina bowl with chicken.) So for this month’s cover story on how to strike it rich, it seemed natural to follow up with her to see how she had managed to become an even bigger success story. "It’s been a fantastic ride," says Lorena, who has opened airport restaurants in Miami and Atlanta (another one is planned for Dallas–Fort Worth) and is working on her second cookbook. But it also means "not sleeping, not having days off and being away from family," she says. (When I spoke with her on February 20, she had just arrived home after being on the road since December 30.) Advertisement The food business is notoriously backbreaking, but Lorena’s recipe for success applies to other entrepreneurs who are trying to turn their talent or their bright idea into a fortune. "The right way to go into business is to know your craft," she says. "If money is your focus, forget it. You need to love your business to give it the time and attention it deserves, and then the money will come." Building wealth. The same rule applies even when you’re working for someone else and investing your money. In a survey by Phoenix Marketing International, 75% of affluent households said the source of their wealth was earned income or investment returns. The best way to build wealth is to get into the habit of saving and investing early and to keep it up. For ideas, take a look at our cover story and also at the Kiplinger 25, the annual list of our favorite mutual funds. In updating our list, investing editor Manny Schiffres and senior associate editor Nellie Huang were faced with an enviable problem: Our funds had done too darn well over the past year—or, as Manny put it, "we have no stinkers." But given our readers' desire for higher returns—and the risk that bonds could lose value if interest rates rise—Manny and Nellie decided to buff up the bond funds by adding more choices and more flexibility. They start the process by intensively screening funds, says Manny, then adding their own analysis and judgment (and often sparring with each other). For example, they wanted to add Osterweis Strategic Income, a go-anywhere bond fund that specializes in high-yield bonds with a short-term focus. But which fund to bounce? The venerable Loomis Sayles Bond? Or Harbor Bond, a Pimco Total Return clone? "How can you diss [manager] Bill Gross?" Nellie wondered. In the end, they removed Loomis Sayles, historically a more volatile fund. (See our Fund Watch column Loomis Sayles Bond Preps for Rising Interest Rates for more.) You can use our funds to create your own investment mix and follow Lorena’s recipe for success: "If you have a vision and drive, you can conquer anything."