I am 31 years old and contribute more than enough to my 401(k) to obtain the company match. I also max out my contribution to a Roth IRA every year.  I would like to contribute to a Roth 401(k), but my company does not offer this plan. Can you help me understand the benefits of a Roth 401(k)?  Also, do you have any recommendations on selling my company on making a Roth 401(k) option available? — Justin

The mind is a powerful tool, especially when it comes to spending and saving. Whether it's by going over your finances in a different language or putting on a smile at work, tricking yourself into thinking differently about your finances can make a huge difference.

This is part of a special report on 101+ ways to build wealth. In this story, readers and experts weigh in with advice on how you can turn behavioral foibles into assets rather than liabilities.