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You are more than your credit score — that much is true. But if you want to do major things financially in this country, your credit score is going to be a big factor. What’s more, people with high credit scores normally have their finances in order — so there’s a lot to learn from them.

Americans are worried about Social Security and Medicare. A recent survey reveals that nearly three-fourths of adults have serious concerns that Social Security will run out of funds during their lifetime. Almost one-fourth say they don’t expect to receive anything from the fund, which has traditionally been a critical component of a healthy retirement strategy.

Technology has reshaped the business world over the past two decades, leveraging e-commerce models to make it easier and cheaper to access goods and services. However, not every industry has been quick to embrace modern methods of serving their clients.

Think you need a fortune to build wealth? Think again. With the right strategy and a healthy dose of patience, even small monthly investments can grow into substantial wealth over time. GOBankingRates spoke with financial experts to uncover some practical ways to build wealth by investing as little as $100 a month.