Hi everyone and welcome back to Money Girl, a podcast that helps you master your money so you can live rich and love the journey.

My name is Laura Adams. I'm a personal finance expert

and author based in Silicon Valley. You can learn more about me and submit your

money questions or just general comments at Laura D Adams.com.

If you want to follow along or review the show notes later,

you'll find a transcript on the Money Girl page

at quick and dirty tips.

This is episode number 432. G

at Quick and Dirty Tips.com. This is episode number 432 called six must-do habits of

financially healthy people. I love talking about habits and of course the and what didn't go so well in the previous

year and then think about what we can do differently going forward. I love this

quote from the Greek philosopher Aristotle. He said, we are what we repeatedly

do. Excellence then is not an act, but a habit. So what he's saying is that the

small things you do every day are surprisingly important because they add up to transform

your life.

In many cases, habits are what make the difference

between having a financially healthy life

or a poor one where you never seem to get ahead.

People usually do not reach their financial goals

by getting an unexpected windfall or just getting lucky.

They accomplish them by developing the right behaviors

over a long period of time.

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