Wealthy people think in systems, not sprints.

They don't wake up one day and say, I'm going to go be a billionaire.

Wealth is usually built with small, boring, consistent moves that run in the background of your life.

Even when you're feeling tired, even when you're feeling distracted, they're your insurance against all these outside factors and

internal factors that can take you off track. Even when you don't want to run, they're running for you.

This is an I-Heart podcast. Guaranteed Human. Hey, BA fam, welcome back to Brown Ambition. It's your girl,

Mandy Money, and I just want to say again, happy new year. This is a show where we talk about money, career, and building the life you actually want to live, not just one that looks good on paper. So, BA fam, what am I here to talk about today? Well, we know it's a brand new year and you're being bombarded with do more, be more, fix

everything by February content. And it's not just content we encounter on social media, online.

It's our own minds. We're doing this to ourselves. We got to stop the madness. This is all very cute,

but it's not very sustainable. So today I thought I would come to y'all and take it back to the

studs, take it back to the studs, take it back

to the beginnings of how I myself started to build wealth and how I continue building wealth,

even as I go through the same challenges as everybody else, fighting inflation, stuck in a starter

home, kids, child care expenses, entrepreneurial challenges. But I was thinking about a few

fundamental changes that I made early in my money journey and continue to practice today

that I know no matter what I got me and these are three habits that will make sure that

no matter what happens, we're going to be okay and we're

going to continue growing and becoming wealthier even as we face these challenges. So I want you all to

think of this episode as your permission slip to do less but better with your money this year.

Before we get into these three habits, let's talk about why habits matter even more than resolutions. Y'all know resolutions are big, dramatic goals we set when we're feeling motivated. Like, I'm going to max out all of my accounts. I'm going to pay off every dime of debt. I'm going to start five side hustles. I'm going to cook at home six nights a week. It sounds like stuff that I had said I was going to do. And I actually never accomplished because life happens. The kids get sick. Work ramps up. A random bill hits you. I already told you about the $1,000 plumbing bill that I got hit with last week. By the way, update on that. My husband's really earning his keep because with a couple of YouTube videos, this man was able to fix one

of the broken faucets in our house. So now we have a working shower and bathtub again. He wasn't

able to fix the second one, but still, I'm going to say that's a $500 savings because if you

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