{"id":111034,"date":"2024-09-21T04:46:58","date_gmt":"2024-09-21T08:46:58","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=111034"},"modified":"2025-08-13T09:45:04","modified_gmt":"2025-08-13T13:45:04","slug":"money-habits","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/money-habits\/","title":{"rendered":"8 Money Habits To Start Living Your Rich Life (+ real life stories)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"111034\" class=\"elementor elementor-111034\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-69ca27a elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"69ca27a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fa548b1\" data-id=\"fa548b1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-48421d4 elementor-widget elementor-widget-text-editor\" data-id=\"48421d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Most money advice is all about cutting back, but true financial success is about making smart choices and shifting your mindset. Top financial performers focus on what matters, take bold steps, and optimize every part of their financial life.<\/span><\/p><p><span style=\"font-weight: 400;\">In this post, we\u2019ll cover 8 powerful money habits to help you start living your Rich Life today \u2014 and show you exactly how to get started.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd99f19 elementor-widget elementor-widget-heading\" data-id=\"cd99f19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1. Build a Conscious Spending Plan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-107a6a4 elementor-widget elementor-widget-text-editor\" data-id=\"107a6a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Most people don\u2019t know where their money goes each month. Top performers take control by planning their spending <\/span><i><span style=\"font-weight: 400;\">before<\/span><\/i><span style=\"font-weight: 400;\"> they even get paid. This is what I call a &#8220;<\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/conscious-spending-basics\/\"><span style=\"font-weight: 400;\">Conscious Spending Plan<\/span><\/a><span style=\"font-weight: 400;\">&#8221; \u2014 deciding in advance how much you&#8217;ll allocate to savings, investments, fixed costs, and guilt-free spending.<\/span><\/p><p><span style=\"font-weight: 400;\">Here\u2019s an example of a Conscious Spending Plan, with some rough percentages as a guide:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">20% to long-term savings and investments<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">10% to short-term savings for irregular expenses<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">50-60% to fixed costs and bills<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">10-20% for guilt-free spending on things you enjoy<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">The key? &#8220;Pay yourself first.&#8221; Prioritize savings and investments and set aside money for fun so you don\u2019t feel deprived.<\/span><\/p><p><span style=\"font-weight: 400;\">To create your plan:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Analyze your current income and spending to see where your money is going.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Set target percentages for each category (savings, investing, fixed costs, guilt-free spending).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gradually adjust your spending to align with your goals.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review your plan regularly, but don\u2019t overthink it \u2014 stick with it and make changes only when necessary.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Once you have a plan set up, you\u2019ll have a good grasp of your money habits going forward. No matter your starting point, I recommend you start immediately or you\u2019ll risk ending up like <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/96-jennifer-andrew\/\"><span style=\"font-weight: 400;\">Jennifer and Andrew<\/span><\/a><span style=\"font-weight: 400;\">, a couple in their 30s with two kids who are facing significant communication challenges regarding money.<\/span><\/p><p><span style=\"font-weight: 400;\">Jennifer and Andrew approach managing money differently. Jennifer looks at long-term goals and potential future income, while Andrew focuses on short-term, paycheck-to-paycheck planning. This leads to poor saving and investment decisions, like a whopping $600\/month going to GrubHub.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aeb08c elementor-widget elementor-widget-video\" data-id=\"3aeb08c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=L4uKmZ5sIWA&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f495de9 elementor-widget elementor-widget-text-editor\" data-id=\"f495de9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">[00:39:08] Ramit: Thirty, 40, 50 bucks a month is actually really meaningful at this stage. Forty five bucks a month. Fantastic. All right. That\u2019s $245 a month already freed up for credit card debt. That\u2019s a lot. Okay. Finally, your guilt-free spending is 35%. I\u2019m not so sure I believe that. That\u2019s just the money left over. How much do you actually spend on guilt-free spending every month?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:39:35] Andrew: It\u2019s food. It\u2019s target. It\u2019s pet stuff.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:39:39] Jennifer: Wait, I don\u2019t even really shop at Target. Yeah, ordering on Grubhub because we got tired of that type of stuff.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">[00:39:43] Andrew: Well, that would be food. Yeah.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:39:45] Ramit: How much do you order? How often?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:39:49] Andrew: Two times a week at 50 to $75.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:39:58] Ramit: Okay. How much is that?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:40:01] Andrew: Uh, that\u2019d be 200 to almost $600 a month.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:40:11] Ramit: How do y\u2019all think about that? What\u2019s that look on your face, Jennifer?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:40:16] Jennifer: I don\u2019t love that. That\u2019s a big number.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:40:17] Ramit: I don\u2019t love that.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:40:19] Jennifer: I don\u2019t love it. I, um, yeah, I think it\u2019s, uh\u2013<\/span><\/p><p><span style=\"font-weight: 400;\">[00:40:26] Ramit: Can I just point something out? $600 a month towards delivery, and you\u2019re currently paying off $110 a month towards your credit card debt.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:40:36] Jennifer: I know. It\u2019s really embarrassing.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5011bd8 elementor-widget elementor-widget-text-editor\" data-id=\"5011bd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Creating a Conscious Spending Plan is crucial for effective money management. Ideally, fixed expenses, including credit card debt payments, should make up about 50-60% of your budget. However, in my conversation with Jennifer and Andrew, it\u2019s easy to veer off course.<\/span><\/p><p><span style=\"font-weight: 400;\">They were allocating $600 monthly for takeout while dedicating only $110 to tackle their credit card debt. This imbalance shows the importance of thoughtfully directing your money towards financial priorities, like paying down high-interest debt.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ba5c1c elementor-widget elementor-widget-heading\" data-id=\"9ba5c1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. Automate Your Finances\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f34ba0e elementor-widget elementor-widget-text-editor\" data-id=\"f34ba0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Once you&#8217;ve built your Conscious Spending Plan, the next step is to automate it. Automation takes willpower out of the equation and ensures your money goes exactly where it needs to, every single month.<\/span><\/p><p><span style=\"font-weight: 400;\">Start by setting up direct deposits from your paycheck to fund your &#8220;buckets&#8221; according to your plan \u2014 savings, investments, bills, and guilt-free spending. Open the necessary accounts, like a high-yield savings account for emergencies or a Roth IRA for retirement, and set up automatic transfers between them.<\/span><\/p><p><span style=\"font-weight: 400;\">Here are some examples of what to automate:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A percentage of your paycheck into savings and investment accounts<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your bills on auto-pay, so you&#8217;re never late and risk paying penalties<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-to-find-out-all-my-debt\/\"><span style=\"font-weight: 400;\">Debt payments<\/span><\/a><span style=\"font-weight: 400;\"> to make sure you\u2019re consistently reducing your balance<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Most banks and credit unions offer free tools to set up these automatic transfers. Apps like You Need A Budget can help manage your automated finances.<\/span><\/p><p><span style=\"font-weight: 400;\">If <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/pay-off-credit-card-debt\/\"><span style=\"font-weight: 400;\">paying down debt<\/span><\/a><span style=\"font-weight: 400;\"> is a priority, don\u2019t guess your way through it. Use our<\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/debt-payoff-calculator\/\"> <span style=\"font-weight: 400;\">Debt Payoff Calculator<\/span><\/a><span style=\"font-weight: 400;\"> to get a clear plan for tackling your debt efficiently. It\u2019s a simple tool that can show you exactly how long it\u2019ll take to pay off your balances by staying committed.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b36e66c elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"b36e66c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_wp_forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-wp-forms\">\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-274585d elementor-widget elementor-widget-text-editor\" data-id=\"274585d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">With this automated approach, you can simultaneously build wealth, cover your necessities, and still enjoy life \u2014 all while your money management runs on autopilot in the background.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7c73064 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"7c73064\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3d59a2c\" data-id=\"3d59a2c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3515d40 elementor-widget elementor-widget-heading\" data-id=\"3515d40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3. Focus on Big Wins<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7d9f46 elementor-widget elementor-widget-text-editor\" data-id=\"a7d9f46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Frugality tactics like skipping lattes are well-intentioned but misguided. The real gains come from optimizing the big expenses and income drivers in your life. Instead of sweating the small stuff, focus on &#8220;Big Wins&#8221; \u2014 actions that can significantly impact your finances.<\/span><\/p><p><span style=\"font-weight: 400;\">Examples of Big Wins include negotiating a higher salary, landing a better-paying job, starting a profitable side hustle, or cutting down on major costs like housing or transportation.<\/span><\/p><p><span style=\"font-weight: 400;\">To achieve your own Big Wins, identify the areas that will impact your financial situation most and direct your energy there. That&#8217;s where the real results are. To help you get started, you can check out my Ultimate Guide to Making Money, where I\u2019ll show you how to build the financial freedom to do the things you love\u2026 and never have to choose between paying bills, automatically saving for your future, or living a Rich Life today.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5d3b03 elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"e5d3b03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_wp_forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-wp-forms\">\n\t<div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-96404\"><form id=\"wpforms-form-96404\" class=\"wpforms-validate wpforms-form\" data-formid=\"96404\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/wp-json\/wp\/v2\/posts\/111034\" 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class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-96404-field_11\" class=\"wpforms-field-medium wpforms-field-required\" data-rule-restricted-email=\"1\" name=\"wpforms[fields][11]\" placeholder=\"Email Address\" spellcheck=\"false\" required><\/div><div id=\"wpforms-96404-field_19-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"19\"><div id=\"wpforms-96404-field_19\">Along with the guide, I'll also send you my Insiders newsletter where I share other exclusive content that's not on the blog.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"96404\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/111034\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/money-habits\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-96404\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the guide!\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the guide!<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3020981 elementor-widget elementor-widget-heading\" data-id=\"3020981\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4. Work on Your Own Money Psychology<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bef28ab elementor-widget elementor-widget-text-editor\" data-id=\"bef28ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">While tactics and strategies are important, your mindset often is the biggest obstacle to financial success. We all have unconscious beliefs and &#8220;<\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/the-invisible-scripts-that-guide-our-lives\/\"><span style=\"font-weight: 400;\">Invisible Scripts<\/span><\/a><span style=\"font-weight: 400;\">&#8221; about money that shape our behavior:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">&#8220;I&#8217;m just not good with money.&#8221;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">&#8220;Money changes people.&#8221;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">&#8220;Rich people are greedy\/evil\/lucky.&#8221;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">&#8220;I don&#8217;t deserve to be wealthy.&#8221;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">&#8220;I&#8217;ll never have enough.&#8221;<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">These scripts often come from our families, communities, and cultures without us even realizing it, but they can sabotage our financial habits and keep us stuck.<\/span><\/p><p><span style=\"font-weight: 400;\">The first step to rewriting these scripts is to identify them. Pay attention to the thoughts and beliefs that come up around earning, spending, saving, and investing. Once you\u2019re aware, start challenging and reframing them. For example:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">&#8220;I&#8217;m just not good with money&#8221; becomes &#8220;I&#8217;m learning and improving my financial skills every day.&#8221;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">&#8220;Rich people are greedy&#8221; becomes &#8220;Building wealth allows me to be more generous and make a bigger impact.&#8221;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">&#8220;I don&#8217;t deserve to be wealthy&#8221; becomes &#8220;I am worthy of abundance and financial success.&#8221;<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Beyond scripts, our money habits are often driven by emotions like fear, guilt, and shame. Being mindful of these emotions helps us make more rational, values-aligned choices. Techniques like journaling, therapy, and open conversations with friends or family can help unpack your money psychology.<\/span><\/p><p><span style=\"font-weight: 400;\">Another key aspect is developing an abundance mindset\u2014focusing on opportunities and potential, not limitations and scarcity. Practice gratitude and positive self-talk, and surround yourself with successful people while continually learning and growing.<\/span><\/p><p><span style=\"font-weight: 400;\">Remember, your financial success starts with your mindset. Understanding and optimizing your money psychology lays the foundation for all your other wealth-building habits.<\/span><\/p><p><span style=\"font-weight: 400;\">Everyone has invisible money scripts, and you\u2019re not alone \u2013 <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/125-cristina-ron-1\/\"><span style=\"font-weight: 400;\">meet Cristina and Ron<\/span><\/a><span style=\"font-weight: 400;\">, a couple who have been married for four years and have money management issues that stem deep from how they were raised.<\/span><\/p><p><span style=\"font-weight: 400;\">As our conversation unfolds, Ron reveals how he often feels overwhelmed by expenses. Despite Christina\u2019s careful budgeting, he admits to frequently imagining worst-case scenarios regarding their spending. This anxiety seeps into their day-to-day interactions, causing Christina to feel frustrated by his immediate negative reactions whenever she brings up financial plans.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8cd5186 elementor-widget elementor-widget-video\" data-id=\"8cd5186\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=theHFt4AlBs&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0992550 elementor-widget elementor-widget-text-editor\" data-id=\"0992550\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">[00:03:29] Ron: I\u2019m not cheap because I don\u2019t mind spending money when we have it. I\u2019m frugal because I just see dollar signs, dollar signs, dollar signs, and then I just imagine these numbers in my head like, we\u2019re going to be spending this huge amount when in reality, she\u2019s already got it budgeted because she\u2019s good at doing that where it\u2019s only going to be a small amount. So I\u2019m already imagining the worst.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:03:50] Ramit: What\u2019s the frugal part of that?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:03:55] Ron: Okay. Maybe cheap.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:04:35] Ramit: Cristina, I\u2019m curious, from your perspective, that same conversation, what do you remember happening?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:04:42] Cristina: I told him about it and his automatic response was no. I know every time I approach him, I already have a game plan with him. I tell him like, this is how it\u2019s going to be. This is how I\u2019m going to save money. But before I get there, when he says no, it really frustrates me, and I get really sad that before I can even tell him how I can save money and enjoy my time, it almost seems like he is raining on my parade.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">[00:05:10] And I can\u2019t even plan with him or make proper decisions with him of like, if I give him a plan of, well, I\u2019m going to use this, and I\u2019m going to do this to save us money, so I can afford this, I can\u2019t even have that with him. Automatically, the end of the conversation is, okay, you know, the money. If you say we can do it, then do it.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">[00:05:32] Ramit: Okay. Out of curiosity, Ron, if I asked you how much is in your checking account, within 25,000, how much?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:05:45] Ron: Well, it\u2019s not 25,000.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:05:50] Ramit: Ballpark it.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:05:54] Ron: Seven to 10.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:05:55] Ramit: All right. And within, let\u2019s say a savings account, how much would you say is in there? Your savings account.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:06:02] Ron: Oh, I mean my personal savings, I don\u2019t know, 2,000, but we\u2019ve got a couple of different accounts though.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:06:09] Ramit: All right. And your joint savings account, how much would you say? Cristina is looking at this like this is literally the most entertaining reality show she\u2019s ever seen. Cristina, am I getting this right?\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">[00:06:23] Cristina: Yeah.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:06:24] Ramit: She cannot stop smiling for the last two minutes. All right. Sit tight. Ron, joint savings account, ballpark it for me.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:06:31] Ron: 10.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:06:32] Ramit: All right, fine. Cristina, what do you say?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:06:35] Cristina: Off. Completely off.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:06:38] Ramit: Like how much off?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:06:39] Cristina: A lot off. Accounts are not even right.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:06:43] Ramit: Okay, well, the checking account, I think Ron said 7k.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:06:47] Ron: Yeah, seven to\u2013<\/span><\/p><p><span style=\"font-weight: 400;\">[00:06:48] Ramit: What was he talking about?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:06:49] Cristina: So his personal checking account is at 2,200.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:06:53] Ramit: Okay.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:06:55] Cristina: My personal checking account is around four because I just got paid.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:07:00] Ramit: All right.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:07:00] Cristina: Our joint savings account is about 8,500, and then our joint checking account is about 4,600.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:07:11] Ramit: He\u2019s not that far off. Ron, I think you\u2019re in the universe. He didn\u2019t say $200,000.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:07:18] Cristina: Yeah, that\u2019s right.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:07:19] Ramit: All right. You know what? Ron, I\u2019m giving it up for you. You were closer than I thought. That\u2019s impressive. Cristina, how come you think he\u2019s wildly off?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:07:29] Cristina: Because every time he talks, he has two mentalities. It\u2019s either we\u2019re poor or we don\u2019t have money.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-922b245 elementor-widget elementor-widget-text-editor\" data-id=\"922b245\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ron\u2019s anxiety around money can be traced back to how he grew up which significantly shaped the invisible scripts he has today. As he reflects on his past, he begins to recognize how deeply these early experiences continue to affect his financial mindset and decisions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7b6b4f elementor-widget elementor-widget-text-editor\" data-id=\"b7b6b4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">[00:19:47] Ron: I\u2019m nervous just because of the way that we grew up. We had some really good times, and then we had some really bad times. So I never want to put us in any financial troubles. That\u2019s why I am the way that I am.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:20:02] Ramit: The troubling times happened, what, in your teen years?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:20:06] Ron: Great school middle school. High school, we had real good and then real bad. My dad was a contractor, so we\u2019d have a good year, then we\u2019d have a bunch of really bad months, and so fluctuated.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:20:17] My dad was the only one that worked in the family, so when he wasn\u2019t in a contract, 23 still had bills to pay, so we had to borrow money from family sometimes. We almost lost the house, but grandparents helped out with that. I\u2019ve got two older brothers, mom, and dad. We didn\u2019t do a lot when we were kids because we didn\u2019t have the money.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">[00:20:44] We didn\u2019t go on vacations. We didn\u2019t go out to dinners. We still had a lot of fun because it was growing up in the 80s, but seeing the way that my parents fought about money or the lack of, I don\u2019t want us to be like that. So those are things I just don\u2019t want to have happen, and I would hate to ask for handouts from people.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3040a2f elementor-widget elementor-widget-text-editor\" data-id=\"3040a2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">And Ron isn\u2019t the only one who\u2019s strongly affected by childhood experiences. Christina, too, brings her own money scripts into their financial conversations, shaped by a much different upbringing in the Philippines, where money was often scarce, and survival was the priority. Their contrasting perspectives create tension which make it hard for them to implement practical tools like the Conscious Spending Plan.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b72b6da elementor-widget elementor-widget-text-editor\" data-id=\"b72b6da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">[00:21:11] Cristina: So whenever he said he was poor, he was cheap, he was this, not to diminish what he experienced because I get it, but it\u2019s like, you don\u2019t know war until you go in the Philippines. We were homeless at some point. I would have to beg neighbors for food, for dinner, so that our family could eat. That\u2019s how poor we were.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">[00:21:36] Ramit: Do you think that there\u2019s a way to be a sensible spender without being cheap?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:21:44] Ron: Yes, if we have a budget set aside for each of us for each month. We can only spend this amount. You can spend this amount. I can spend this amount. And if that\u2019s the case, then she can go do whatever she wants to with it as long as we\u2019re still saving at the same time.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:22:02] Ramit: Okay. Uh, just a quick question for you. When was the last time you kept a budget for longer than two weeks?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:22:09] Ron: We actually just started it a month ago.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:22:14] Ramit: How about before that? Never?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:22:18] Ron: No.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:22:18] Ramit: What a surprise. Ron, is it possible that maybe a budget is not the solution?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:22:29] Ron: There\u2019s a possibility, but I think the budget is the solution. And nothing\u2019s ever 100% in this world, so I can\u2019t say no.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:22:41] Ramit: I like it. I like the pushback. All right, let\u2019s play it out. So you have the budget, and how did you both create this budget?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:22:50] Ron: Off of you, actually.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:22:52] Ramit: Okay, you used my conscious spending plan. Okay. First of all, that\u2019s not a fucking budget. All right. Whatever. Used the CSP. You came up with some numbers which are forward-looking not backwards-looking. You have some guidelines. All right, cool. I\u2019m happy to hear that. What was the process like creating the conscious spending plan together?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:23:14] Ron: Probably kick it over to her.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:23:16] Ramit: Oh, why is that? Wait, I want to hear from Ron. Ron, tell me, what was it like creating it? Did you create it together?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:23:22] Ron: No.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:23:23] Ramit: What the f\u2013 all right, okay. Even though the instructions explicitly say you must create this together. So how did that go down? Cristina, you applied to talk to me, right?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:23:38] Cristina: Yes. So we actually have had this CSP for three months, not one month, and we actually sat down together, not just me telling him. Don\u2019t know if he remembers that. And even though we\u2019ve created a budget, and this is not the only time we\u2019ve done a budget, we\u2019ve done it in the first few years of our relationship, it\u2019s now coming up to itself as well, where we have a budget and Ronnie says, baby, we have a budget. We have to stick with the budget. We can\u2019t spend that. So even if we have a budget, he still says, no, we can\u2019t spend money.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:24:15] Ron: At least if I know that we are not going over that each, and even if she goes over and I still have some in mine, I always told her, just take some of mine. I\u2019m not spending it. If you need to do it.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:24:28] Ramit: Okay, so does it make you feel better?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:24:32] Ron: To have the budget?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:24:33] Ramit: Yeah.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:24:34] Ron: It does.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:24:35] Ramit: All right, and do you still caution her about overspending now that you\u2019ve got this budget, which is not a budget?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:24:43] Ron: Yes, because once she goes over the budget, then that\u2019s when I chime in. I\u2019m like, we\u2019re over the budget, or she\u2019ll tell me that we\u2019re over the budget, and I\u2019m like, okay, then why are we spending more?\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">[00:24:55] Ramit: So let me give some perspective. When you first start using the conscious spending plan, you try to get everything you can, but the whole point is it\u2019s 85% of the way accurate. You\u2019re never going to get a 100%. It\u2019s actually prohibitively difficult to get every single expense. How much did we spend on celery? It\u2019s irrelevant.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db79086 elementor-widget elementor-widget-text-editor\" data-id=\"db79086\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ron and Christina&#8217;s experiences show the profound impact of deeply ingrained money scripts on financial behaviors and relationships. These unconscious beliefs about money, often formed in childhood, can significantly influence our financial decisions well into adulthood.<\/span><\/p><p><span style=\"font-weight: 400;\">By recognizing these scripts and understanding where they come from, Ron and Christina can take the first crucial step towards rewriting their financial stories and begin adopting better money management strategies, such as implementing a Conscious Spending Plan. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-33d8a37 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"33d8a37\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-249b359\" data-id=\"249b359\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3558a4a elementor-widget elementor-widget-heading\" data-id=\"3558a4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5. Earn More, Don't Just Save More<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2627246 elementor-widget elementor-widget-video\" data-id=\"2627246\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=wA2nPP8r1J8&amp;t=619s&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-059fd16 elementor-widget elementor-widget-text-editor\" data-id=\"059fd16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">You can only cut back so much, but there\u2019s no limit to how much you can earn. Forget the latte sacrifices and penny-pinching \u2014 it\u2019s way more rewarding (and fun) to focus on <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/ways-to-make-money-fast\/\"><span style=\"font-weight: 400;\">making more money<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">To boost your income, think beyond your 9-to-5. Negotiate a raise, switch to a higher-paying job, start a side hustle, or take on freelance work. The opportunities are endless if you&#8217;re willing to look for them.<\/span><\/p><p><span style=\"font-weight: 400;\">But where do you start?<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.iwillteachyoutoberich.com\/the-ultimate-guide-to-getting-a-raise\/\"><b>Negotiate a raise<\/b><\/a><b>:<\/b><span style=\"font-weight: 400;\"> If you&#8217;ve been delivering results in your current job, don\u2019t be afraid to ask for a raise. Research your market value, prepare a strong case, and schedule a conversation with your manager.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Switch to a higher-paying job:<\/b><span style=\"font-weight: 400;\"> Sometimes, the easiest way to make more money is to change jobs. Look for roles in your industry that pay better or consider a different field altogether.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.iwillteachyoutoberich.com\/side-gig\/\"><b>Start a side hustle<\/b><\/a><b> or freelance:<\/b><span style=\"font-weight: 400;\"> Tap into your existing skills or passions to create additional income streams. Whether freelance writing, graphic design, tutoring, or consulting, there are countless ways to monetize what you already know.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Invest in yourself:<\/b><span style=\"font-weight: 400;\"> Consider taking courses, attending workshops, or hiring a coach to develop new skills that can lead to higher-paying opportunities. The more valuable you make yourself, the easier it will be to command a higher income.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Adopting a &#8220;<\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/personal-development-goals\/\"><span style=\"font-weight: 400;\">Growth Mindset<\/span><\/a><span style=\"font-weight: 400;\">&#8221; is the belief that your skills and earning potential can continuously be improved. When you think this way, you\u2019re always looking for ways to increase your income rather than just cutting back.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1783866 elementor-widget elementor-widget-heading\" data-id=\"1783866\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">6. Build Multiple Income Streams<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bad2c52 elementor-widget elementor-widget-text-editor\" data-id=\"bad2c52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Relying on a single job or income source is risky in today&#8217;s economy and limits one&#8217;s potential. The wealthy know this, which is why they almost always have <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/second-income-ideas\/\"><span style=\"font-weight: 400;\">multiple income streams<\/span><\/a><span style=\"font-weight: 400;\">\u2014from salaries and freelance work to business income, investments, rental properties, and more.<\/span><\/p><p><span style=\"font-weight: 400;\">This might sound complicated, but it doesn&#8217;t have to be. Depending on where you are in your career, here\u2019s how you can start building multiple income streams:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>If you&#8217;re earning minimum wage:<\/b><span style=\"font-weight: 400;\"> Focus on finding a higher-paying job while exploring side hustles. Consider jobs with tips, commissions, or opportunities for overtime. Alternatively, look for a second job that leverages your special skills, such as delivery driving, bartending, or retail management.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>If you have a white-collar job:<\/b><span style=\"font-weight: 400;\"> Think about the skills you already use daily \u2014 could they earn you money outside of your 9-to-5? Maybe you have experience in writing, graphic design, project management, or data analysis. Freelancing, consulting, or teaching these skills online can provide an extra income stream. Platforms like Upwork or LinkedIn can help you find clients who value your expertise.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>If you&#8217;re a business owner or entrepreneur:<\/b><span style=\"font-weight: 400;\"> Look at ways to expand your offerings or create additional revenue streams. Could you launch a new product, start a subscription service, or monetize your knowledge through courses or workshops?<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Another example from my personal experience is that one of my multiple income streams is selling <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/programs-page\/\"><span style=\"font-weight: 400;\">online courses<\/span><\/a><span style=\"font-weight: 400;\">. Readers find value in my blog and sign up for my newsletter, where I share insights, expertise, and stories from my podcast.<\/span><\/p><p><span style=\"font-weight: 400;\">Whatever your current situation, remember that building multiple income streams takes time and experimentation. Start small, test different ideas, and see what works best for you.<\/span><\/p><p><span style=\"font-weight: 400;\">Over time, make your money work for you. Don\u2019t just let it sit in a savings account. Invest it, diversify your assets, and create new cash flow streams.<\/span><\/p><p><span style=\"font-weight: 400;\">If you want more tips about improving your money habits that you won\u2019t find anywhere else on the blog, consider signing up for my Insider\u2019s Newsletter and join over 800,000 readers building their Rich Life today.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bac3ee5 elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"bac3ee5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_wp_forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-wp-forms\">\n\t<div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-53542\"><form id=\"wpforms-form-53542\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"53542\" method=\"post\" 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for=\"wpforms-53542-field_11\">Email <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-53542-field_11\" class=\"wpforms-field-medium wpforms-field-required\" data-rule-restricted-email=\"1\" name=\"wpforms[fields][11]\" placeholder=\"Email Address\" spellcheck=\"false\" required><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-recaptcha-container wpforms-is-recaptcha wpforms-is-recaptcha-type-invisible\" ><div class=\"g-recaptcha\" data-sitekey=\"6LendJAqAAAAACjvrPJ-YAdqA_rnBF1byAdN1rMF\" data-size=\"invisible\"><\/div><\/div><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53542\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/111034\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/money-habits\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53542\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Join the Insiders newsletter (free)\" aria-live=\"assertive\" value=\"wpforms-submit\">Join the Insiders newsletter (free)<\/button><img decoding=\"async\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-submit-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\"><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-81c9d85 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"81c9d85\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3d65e80\" data-id=\"3d65e80\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fa2c39a elementor-widget elementor-widget-heading\" data-id=\"fa2c39a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">7. Think About Your Money Dials<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d6d8fe elementor-widget elementor-widget-text-editor\" data-id=\"2d6d8fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Your spending reveals your true priorities and passions. I call these your &#8220;<\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/money-dials\/\"><span style=\"font-weight: 400;\">Money Dials<\/span><\/a><span style=\"font-weight: 400;\">&#8221; \u2014 the areas where you&#8217;re willing to spend big while ruthlessly cutting back on what doesn\u2019t matter to you.<\/span><\/p><p><span style=\"font-weight: 400;\">Here are the 10 key Money Dials:<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Convenience<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travel<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Health\/Fitness<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Experiences<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Freedom<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Relationships<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Generosity<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Luxury<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Social Status<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Self-Improvement<\/span><\/li><\/ol><p><span style=\"font-weight: 400;\">Identifying your top Money Dials lets you align your spending with your values \u2014 what truly matters to you. Once you know your Money Dials, give yourself permission to turn them up and spend unapologetically in those areas. At the same time, dial back hard on the stuff you don\u2019t care about.<\/span><\/p><p><span style=\"font-weight: 400;\">For example, if your top Money Dial is Travel, maybe you stay in 5-star hotels and fly first class, but you cut your clothing budget to the bone. Or if Health\/Fitness is your priority, you might spend big on the best gyms, trainers, and organic food while living in a modest apartment and driving an old car.<\/span><\/p><p><span style=\"font-weight: 400;\">Aligning your spending with your Money Dials is the ultimate form of Conscious Spending \u2014 using your money to bring you maximum joy and value. So, take a hard look at where your money is going, identify your top Money Dials, and permit yourself to go all in on what you love. Cut costs everywhere else.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e09c81e elementor-widget elementor-widget-heading\" data-id=\"e09c81e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">8. Protect Your Wealth<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c84c05 elementor-widget elementor-widget-text-editor\" data-id=\"0c84c05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Many people focus solely on building wealth but neglect to put proper protections in place. This can lead to financial catastrophe if unexpected events occur.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3d014a elementor-widget elementor-widget-heading\" data-id=\"d3d014a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Get the Right Insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f3b7db elementor-widget elementor-widget-text-editor\" data-id=\"2f3b7db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Insurance is your first line of defense. At a minimum, you need:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Health insurance for medical expenses<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Disability insurance to replace income if you can&#8217;t work<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Life insurance to provide for your dependents<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liability insurance (like umbrella policies) to protect against lawsuits<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Don\u2019t just go for the cheapest policy. Make sure your coverage matches your needs \u2014 a good insurance broker can help with this.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5be126f elementor-widget elementor-widget-heading\" data-id=\"5be126f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Plan Your Estate<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3992c72 elementor-widget elementor-widget-text-editor\" data-id=\"3992c72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Estate planning is crucial for protecting wealth. This involves:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Creating a will to outline asset distribution<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Designating power of attorney for financial decisions<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Creating a healthcare directive for medical wishes<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Establishing trusts to manage and protect your assets<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Without estate planning, your assets could get tied up in probate, face heavy taxes, or not end up where you intended.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fca9786 elementor-widget elementor-widget-heading\" data-id=\"fca9786\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Advanced Asset Protection for High Net Worth Individuals<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6d9e09 elementor-widget elementor-widget-text-editor\" data-id=\"b6d9e09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If you have a high net worth ($1M+), consider advanced strategies:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Setting up an LLC to shield personal assets from business liabilities<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Establishing an offshore trust to protect against creditors and lawsuits<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Using sophisticated tax strategies to minimize taxes<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">These strategies are complex but essential for safeguarding significant wealth. It\u2019s worth working with a specialist attorney and financial advisor.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9aade58 elementor-widget elementor-widget-heading\" data-id=\"9aade58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Make Wealth Protection a Priority<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9134f1b elementor-widget elementor-widget-text-editor\" data-id=\"9134f1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Remember, it takes a lifetime to build wealth but only a moment to lose it. Protect your wealth by:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reviewing insurance coverage annually<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Updating your estate plan every 3-5 years or after major life events<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Exploring advanced asset protection strategies as your wealth grows<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">By taking these steps, you can ensure your wealth benefits you and your loved ones for generations to come.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c43ea25 elementor-widget elementor-widget-shortcode\" data-id=\"c43ea25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<section data-elementor-type=\"section\" data-elementor-id=\"106530\" class=\"elementor elementor-106530\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-51156e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"51156e1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4e992b0\" data-id=\"4e992b0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1b51f67 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"1b51f67\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fa237b9\" data-id=\"fa237b9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b341c44 elementor-widget elementor-widget-heading\" data-id=\"b341c44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-large\">If you like this post, you'd love my Ultimate Guide to Habits<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccbe91b elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"ccbe91b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"193\" height=\"300\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Habits-Book-Cover-ts-193x300.png\" class=\"attachment-medium size-medium wp-image-106706\" alt=\"UG to Habits Book Cover\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Habits-Book-Cover-ts-193x300.png 193w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Habits-Book-Cover-ts.png 610w\" sizes=\"(max-width: 193px) 100vw, 193px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5130b32 elementor-widget elementor-widget-text-editor\" data-id=\"5130b32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It&#8217;s one of the best things I&#8217;ve published (and 100% free), just tell me where to send it:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85bbeee elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"85bbeee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_wp_forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-wp-forms\">\n\t<div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-53565\"><form 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data-field-type=\"hidden\" data-field-id=\"15\"><input type=\"hidden\" id=\"wpforms-53565-field_15\" name=\"wpforms[fields][15]\" value=\" \/ UG to Habits\"><\/div><div id=\"wpforms-53565-field_14-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"14\"><input type=\"hidden\" id=\"wpforms-53565-field_14\" name=\"wpforms[fields][14]\" value=\"{entry_page}\"><\/div><div id=\"wpforms-53565-field_20-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"20\"><div id=\"wpforms-53565-field_20\"><strong>If you like this post, you'd love my Ultimate Guide to Habits<\/strong><\/div><\/div><div id=\"wpforms-53565-field_21-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"21\"><div id=\"wpforms-53565-field_21\">It\u2019s one of the best things I\u2019ve published (and 100% free), just tell me where to send it:<\/div><\/div><div id=\"wpforms-53565-field_10-container\" class=\"wpforms-field wpforms-field-name\" data-field-type=\"name\" data-field-id=\"10\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53565-field_10\">First Name <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-53565-field_10\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][10]\" placeholder=\"First Name\" required><\/div><div id=\"wpforms-53565-field_11-container\" class=\"wpforms-field wpforms-field-email\" data-field-type=\"email\" data-field-id=\"11\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53565-field_11\">Email <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-53565-field_11\" class=\"wpforms-field-medium wpforms-field-required\" data-rule-restricted-email=\"1\" name=\"wpforms[fields][11]\" placeholder=\"Email Address\" spellcheck=\"false\" required><\/div><div id=\"wpforms-53565-field_19-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"19\"><div id=\"wpforms-53565-field_19\">Along with the guide, I'll also send you my Insiders newsletter where I share other exclusive content that's not on the blog.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53565\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/111034\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/money-habits\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53565\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the guide!\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the guide!<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fd482ad elementor-hidden-mobile\" data-id=\"fd482ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb86639 elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"cb86639\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"610\" height=\"950\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Habits-Book-Cover-ts.png\" class=\"attachment-medium_large size-medium_large wp-image-106706\" alt=\"UG to Habits Book Cover\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Habits-Book-Cover-ts.png 610w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Habits-Book-Cover-ts-193x300.png 193w\" sizes=\"(max-width: 610px) 100vw, 610px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Most money advice is all about cutting back, but true financial success is about making smart choices and shifting your mindset. Top financial performers focus on what matters, take bold steps, and optimize every part of their financial life. In this post, we\u2019ll cover 8 powerful money habits to help you start living your Rich [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":111035,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[160],"class_list":["post-111034","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"aioseo_notices":[],"modified_by":"Gretchen Leslie","_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/111034","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=111034"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/111034\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media\/111035"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=111034"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=111034"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}