To make lasting financial change, you have to do more than try to change your outcomes. You need to understand your underlying causes.

Good money habits are a great way to implement good behavior. Habits are automatic, so we don't have to make a new decision every time.

Controlling your time is an often-overlooked strategy for finding happiness. Buying time and controlling the time you have work well.

Bad things will happen financially. That part is guaranteed. How to respond to that bad event is up to you.