Most schools teach us how to make money, but not how to manage it effectively.

You’re taught equations, facts, and maybe even how to get a job—but rarely how to make your income work for you. Without good money habits, many young men find themselves lost as soon as they earn their first paycheck.

In todays piece we will be touching on three habits that you could immediately action to begin making progress.

Key Financial Habits to Adopt

Start by building essential habits for a strong financial future:

• 60-20-20 Rule: Allocate 60% to necessities, 20% to savings or a rainy-day fund, and 20% towards future investments—assets or courses that profit in the long run.

• Avoiding Bad Debt: Understand the traps of high-interest debt. Avoid it where possible, but learn to manage it wisely when unavoidable.

• Paying Yourself First: Automate the 20%-20% allocation for savings and future investments as soon as you get paid. This ensures you're consistently building wealth without relying on willpower.

Establishing these habits early makes them second nature—setting you on a trajectory for financial independence.

Why Start Now?

The best time to start is today. Every day that passes is a chance to grow that you might miss out on. While risks are part of the journey, the opportunities only diminish the longer you wait.

Tomorrow, we’ll dive deeper into understanding how to recognize and avoid common financial traps—ensuring that your progress isn’t hindered by the pitfalls that many fall into. Stay tuned, as taking the next step could be what lays the foundation for you to reach the top 1%.