Financial Habits & Automation - Individuals can modify their financial habits effectively [1] - Setting up "set it and forget it" solutions is a highly effective financial strategy [1] - Automating savings for emergencies and retirement is strongly encouraged [5] Retirement Planning - Enrolling in employer-sponsored 401(k) or 403(b) plans offers tax advantages [2] - Delaying enrollment in retirement plans is a common issue [3] - IRAs provide a similar opportunity to automate savings and investments [3] Behavioral Finance - Consistent self-control for daily decisions is challenging [4] - Financial changes can be simplified by making one-time decisions with lasting impact [4] - Recurring transfers to savings or investment accounts require minimal ongoing effort [3]

RT Vonn (@itsthewealth4me)I think my first investment was like $50 to $100 a monthThis year I hope to invest $100,000 = ~$8333/monthDespite what you're led to believe, you have to have the habits in place and start from somewhere because it doesn't just happen on its own once you get more money ...