It takes about 66 days for a new behavior to become an automatic habit.
Stick to a productive daily routine to build healthy financial habits.
When you build healthy financial habits, you will struggle less in life.

14. Adopting Healthy Financial Habits

Expenses can be categorized in 2 ways: 
<ul>
<li>Fixed</li>
<li>Variable </li>
</ul>
Review your spending from the last 3 months. 
Categorize expenses as: 
<ul>
<li>Needs</li>
<li>Wants</li>
<li>Wishes </li>
</ul>
Start reducing spending on wants and wishes.

5. Analyzing Your Expenses

Automation keeps your life simple.
Automate:
<ul>
<li>Savings</li>
<li>Investing in 401(k)s</li>
<li>Investing in Roth IRAs</li>
</ul>
Out of sight, out of mind.

10. Automating Your Investments

If you want to be the best, then you have to surround yourself with the best.
Curate a tight-knit circle of high-quality friends and mentors.
Quality over quantity.

13. Surrounding Yourself with Winners

86% of millionaires are married - and 65% are still in their first marriage.
Find someone who is:
<ul>
<li>Frugal</li>
<li>Mindful about money</li>
<li>Aligned with your financial goals</li>
</ul>
Find someone with a winning financial mindset.

9. Starting a Side Hustle

Increase your income by:
<ul>
<li>Getting a new job</li>
<li>Starting a side hustle</li>
<li>Negotiating for a raise</li>
</ul>
Give yourself a raise to fast-track your process.

4. Increasing Your Income

Assign a purpose to every dollar.
Some examples:
<ul>
<li>Business accounts</li>
<li>Retirement accounts</li>
<li>Emergency savings fund</li>
<li>Joint / Individual accounts</li>
</ul>
Want to be like the pros? Automate the process.

6. Tracking Your Money

Never let an opportunity pass you by. 
Don’t be afraid to: 
<ul>
<li>Take a new job</li>
<li>Start a new business</li>
<li>Negotiate for a higher pay</li>
</ul>
Opportunities multiply as they are seized ~ Sun Tzu

11. Jumping at Opportunities

Society tells you to: 
<ul>
<li>Spend</li>
<li>Show off</li>
<li>Consume</li>
</ul>
Don't go broke trying to look rich.

3. Controlling Your Spending

Credit cards can be a double-edged sword. 
<ul>
<li>Use credit cards wisely, because they can DRAIN your wealth.</li>
<li>If you use your credit card, only use it for convenience and NOT to buy things that you can’t actually afford.</li>
</ul>

8. Paying Off Bad Debt

The best investment you can make is in yourself.
How to level up right now:
<ul>
<li>Read a book</li>
<li>Take a course</li>
<li>Exercise for 30 mins</li>
<li>Listen more, talk less</li>
<li>Learn from past mistakes</li>
</ul>
The highest ROI is when you invest in yourself.

2. Investing in Yourself

Everyone has strengths: 
<ul>
<li>Writing</li>
<li>Managing</li>
<li>Mathematics</li>
</ul>
Build on your strengths and create a career out of it. 
That’s how you’ll make more money.

12. Building on Your Strengths

63% of Americans cannot afford a $500 emergency.
That means the average American would have to resort to high-interest credit card debt to pay for surprise expenses.
Do your future self a favor and save 3 to 6 months' worth of living expenses.

7. Building an Emergency Fund

What you need to do:
<ul>
<li>Deposit paycheck</li>
<li>Automate investments first</li>
<li>Anything left over goes to bills</li>
</ul>
The process:
<ul>
<li>Determine how much to invest</li>
<li>Determine investment frequency</li>
<li>Determine where it should be invested</li>
</ul>
Make your money work for you.

1. Paying Yourself First

If you don't understand money, you'll never be truly wealthy.

Here are 15 money skills everyone should know:

Although we have been successful in our careers, they have not turned out quite as we expected. We both have changed positions several times-for all the right reasons-but there are no pension plans vesting on our behalf. Our retirement funds are growing only through our individual contributions. Michael and I have a wonderful marriage with three great children. As I write this, two are in college and one is just beginning high school. We have spent a fortune making sure our children have received the best education available. One day in 1996, one of my children came home disillusioned with school. He was bored and tired of studying. “Why should I put time into studying subjects I will never use in real life?” he protested. Without thinking, I responded, “Because if you don't get good grades, you won't get into college.” “Regardless of whether I go to college,” he replied, “I'm going to be rich.”

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Kiyosaki is best known for his book Rich Dad, Poor Dad, the #1 New York Times bestseller. Kiyosaki followed with Rich Dad's CASHFLOW Quadrant and Rich Dad's Guide to Investing.

9. Starting a Side Hustle

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