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1. They Pay Themselves First Every Time They Get Paid
👉 In a Nutshell: Save your money before you touch it.
You know how easy it is to blow your whole paycheck without realizing it?
Suddenly it’s the 20th, and you’re living off instant noodles and vibes.
But people who get rich young don’t play like that.
They move a chunk of money to savings as soon as the cash hits.
It’s like hiding the candy from yourself before you eat the whole bag.
↪️ Here’s How You’ll Do It
Step 1: Set Your Percentage: Decide how much you’ll save from each paycheck (start with 10%).
Step 2: Automate It: Set up an auto-transfer to savings the same day you get paid.
Step 3: Lock It Away: Use a savings account you don’t check daily (no peeking).
2. They Invest Even When They Don’t Feel Ready
👉 In a Nutshell: Start now. Even if it’s just with $5.
Waiting until you “know everything” is how most people stay broke.
You don’t need a PhD in Wall Street to get started.
Just put a few bucks into an index fund and let it ride.
The ones who win early treat investing like brushing their teeth.
Even if it’s small… they just keep doing it.
↪️ Here’s How You’ll Do It
Step 1: Pick a Platform: Choose one like Fidelity, Vanguard, or Robinhood.
Step 2: Start Tiny: Invest $5–$25 into something simple like an S&P 500 ETF.
Step 3: Stay Consistent: Set a schedule. Weekly or monthly. And forget the hype.
3. They Live on Less Than They Make (Without Feeling Deprived)
👉 In a Nutshell: Spend less than you earn. Without feeling broke.
They’re not out here cutting their own hair to save $12.
They just know how to get what they want without spending it all.
They skip stuff that doesn’t matter and stack cash for stuff that does.
It’s not about being cheap. It’s about being smart.
That’s how you buy time and freedom, not just things.
↪️ Here’s How You’ll Do It
Step 1: Track It: Write down your top 3 monthly expenses.
Step 2: Cut the Fluff: Choose one thing to reduce. Subscriptions, eating out, etc.
Step 3: Keep the Joy: Spend guilt-free on what actually makes your life better.
4. They Track Their Spending Like a Game
👉 In a Nutshell: Know where your money goes. Make it fun.
People who get rich young treat budgeting like a video game.
They want to beat last month’s score and unlock new levels (aka more freedom).
They’re not scared to open their banking app.
They treat it like their scoreboard, not a guilt trip.
And when they hit goals, they celebrate. Even if it’s just dancing in their apartment.
↪️ Here’s How You’ll Do It
Step 1: Get an App: Download Rocket Money, YNAB, or even just use Notes.
Step 2: Set a Goal: “This month I’ll spend under $400 on food.”
Step 3: Review Weekly: Check in every Sunday for 5 minutes.
5. They Automate Everything So They Don’t Have to Think About It
👉 In a Nutshell: Set it and forget it.
The less they have to think about money, the more they keep.
They don’t rely on willpower. They use autopilot.
Their savings, bills, investments… all set up to run while they live life.
They’re chill because their system works even when they’re at the beach.
Lazy? Nope. Just efficient.
↪️ Here’s How You’ll Do It
Step 1: Automate Bills: Set up autopay for rent, phone, etc.
Step 2: Automate Saving: Use auto-transfer to move money to savings each payday.
Step 3: Automate Investing: Set a recurring investment in your app., weekly or monthly.
6. They Learn About Money More Than They Watch TV
👉 In a Nutshell: They treat financial knowledge like a superpower.
Hi! I'm the founder of Money Vice and a passionate personal finance enthusiast.
Here we love to talk about money using a unique type of blender, where we combine juicy chunks of money lessons, slicing them into bite-sized steps, and sprinkling some South Florida vibe for that little zing! (the perfect cocktail to learn how to stack cash to achieve financial independence).
