- build a money-mindful family
- as a teenager accept guidance with open arms when someone helps you open your Roth IRA
- begin working early and invest in your 401(k) as soon as you earn a real paycheck
- track every single dollar and practice delayed gratification
- if you’ve overspent on clothes or junk, regret it, learn from your mistakes, and move on
- keep a hefty emergency fund and sinking funds in high-yield CDs and savings accounts
- track every single dollar and practice delayed gratification
- become a frugal minimalist who splurges only on experiences and things that truly bring your loved ones joy
- become obsessed with your budget and financial plan until you no longer have to stress about it
- converse with wealthy people about their rags-to-riches stories
- start a personal finance Instagram page for accountability, motivation, and education
- read finance books and listen to podcasts made by experts and beginners
- donate to those in need while within budget
- adopt a lifestyle of energy and water conservation to reduce bills and your carbon footprint
- find a couple accountability partners in real- life and a bunch on social media
- embrace a grateful and giving heart
- climb the corporate ladder to make more
- money, hop off the need while staying corporate ladder & find happiness & peace (and ironically more money)
- maintain a relationship with a fiscally responsible partner
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