Number Sixteen

To ensure security, always keep cash or cash equivalent reserves available.

Businesses and individuals may desire to put liquid cash to work through investments. When bills are due, only cash is legal tender. Be sure to have it on hand.

• When you want to avoid getting into (more) debt: Since your debit card is connected to a checking account, you theoretically only spend what is available in your account.
• You want to pay for everyday purchases conveniently—things like gas, grocerie...

• Start with 25 pages per day.
• Read at the same time every day.
• Start reading in between 2 already established habits.
• Make reading your default in already established routines: i.e. read while commuting to work.
• Adopt reading as a default for boredom: always ca...