🧠 The 3 Money Habits That Changed My Life
Small shifts, big results — the habits that rewired how I manage money.

I didn’t grow up rich. I didn’t win the lottery. And I’ve never had a big salary.
But my finances changed — completely — because I changed how I think and act around money.
Here are the 3 simple habits that transformed my financial life (and can do the same for you):
This Substack is reader-supported. To receive new posts and support my work, consider becoming a free or paid subscriber.
💡 1. I Started Tracking Every Dollar
Most people “kind of” know where their money goes. I decided to know exactly.
I started writing down every expense — no matter how small.
At first it felt tedious. Then it felt powerful. Suddenly I saw my habits. I saw patterns. I saw waste.
What gets measured gets managed.
You can use an app, a spreadsheet, or even pen and paper.
Just start. Every dollar you track is one step closer to control.
📘 2. I Read About Money Every Week
I didn’t need a finance degree — I just needed wisdom.
I made it a rule: one book or podcast per week on money, habits, or mindset.
This habit completely rewired how I see money. It removed fear. It made wealth feel doable.
Here are 3 books that truly changed the way I think:
A powerful take on how behavior matters more than math.
Practical, bold, and refreshingly real — perfect for beginners.
Helps you redefine what “enough” means and take control of spending.
I still go back to these today — not just to learn, but to recenter my mindset.
🔁 3. I Automate and Forget
Discipline is hard. Automation is easy.
The moment I get paid:
- A % goes to savings
- A % goes to investments
- The rest is mine to use
I don’t rely on motivation. I don’t try to “be good this month.”
It’s all automatic. And it keeps growing.
This one shift alone — setting up auto-transfer — created more wealth than any other trick.
🎧 Prefer Listening? Try Audible Free for 30 Days
If you’re more of an audiobook person (or want to build better habits during commutes or workouts), all 3 of these books are available on Audible.
👉 Start your free trial here and get your first book free — including:
- The Psychology of Money
- I Will Teach You To Be Rich
- Your Money or Your Life
I personally listen while walking or during boring chores — it turns dead time into money time.
✅ Final Thought
Money isn’t just about numbers. It’s about habits.
These 3 are free, simple, and available to you today.
Start with one. Stick with it. The rest will follow.
This Substack is reader-supported. To receive new posts and support my work, consider becoming a free or paid subscriber.