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  1. Good list. I think there can be more variation added based on age group, but these can be done by anyone. I would also like to add that one should read before going to bed, something they love. This helps further enhance their understanding of these topics. I love reading The Economist every night, it has helped in improving my writing and given lot of perspective on finance and business. And don’t have to schedule extra time to finish reading it.

  2. Such a good list, and I definitely wasn’t expecting this. I’m absolutely certain that learning new things daily –
    whether they’re related to your main income sources or not – gets you closer to your goals

  3. Great list. All play a huge impact on your quality of life and finances. The only thing I see is that the chart about savings should if anything be inverted. I have seen a few charts like it. They say save a little when you are young and increase the savings as you get older and make more money. That is all well and good, but if you do the opposite and save more when you are young, then you will have to do less work in the future because of the compounding. Guess either way, if you are saving and investing you will get to FI eventually.

    • Mr. Groovy

      Agreed DD. As long as you’re saving, you’re good. But if you can be a little disciplined while you’re young, your new-found buddy, compound interest, will be handy to have around when the heavy lifting is required. Thanks for stopping by, my friend. I really enjoyed your contribution to our conversation.

    • Mr. Groovy

      Hey, Dave. Sorry for the late response. I haven’t stopped by this post in a while. But thank you for your kind words. We definitely make things to complicated. As you said, “stay healthy, [save money], help others, and enjoy the journey.” The Forest Gump road to FI.

  4. Great list. It’s obvious, but if you want a million, you gotta save enough to have a million. Not enough lists just say that.

    To be honest, my favourite is the exercise one. Even if you never reach your financial goals, at least you give yourself the best chance of staying healthy. And there’s not much point reaching your financial goals if you don’t have the health to enjoy it!

    • Mr. Groovy

      “[T]here’s not much point reaching your financial goals if you don’t have the health to enjoy it!”

      So true. I know about a half dozen guys from my previous job who died within a year or two after retirement. And none of their deaths were a surprise. They all drank, smoked, and ate themselves into an early grave. Sigh.

      Thanks for stopping by, Sarah. Your comment contained a lot of wisdom.

    • Mr. Groovy

      Thank you, Xyz. We are visual creatures, so it never hurts to provide a chart. And another thing I like about the million-dollar chart is that it shows the feasibility of saving a million dollars. Most anyone can do it–providing they start early enough, of course.

  5. Ooh, I love checklists! It feels great when you cross them off. I like how completing the items on this checklist will not only improve your financial situation but it will carry over to all aspects of your life! Good habits are crucial to living a great life!

    • Mr. Groovy

      “Good habits are crucial to living a great life!”

      Truer words have never been spoken. And I totally agree with you about crossing off items. It’s silly I suppose. But I love watching the little victories accumulate.

      Thanks for stopping by, T. I really appreciate it.

  6. I think it’s so interesting that the first two and last two habits aren’t directly related to finances, yet I couldn’t imagine the list without them. I started working from home and I can notice a drastic decline in my productivity if my bed isn’t made. There’s something about cleanliness that promotes my productivity. As a kid I never understood why you should make your bed, you’re just going to mess it up later.
    As for the health, silliness, and kindness, I get it. What’s the point of being successful if you can’t enjoy it, or share it? Life is much more fun if you don’t take yourself too seriously.
    Thanks for taking the time to list these out!

    • Mr. Groovy

      “What’s the point of being successful if you can’t enjoy it, or share it? Life is much more fun if you don’t take yourself too seriously.”

      Awesome, Kraken. It’s so great to hear that another person gets it. And I hear you about making the bed. For the longest time, I too thought it was utterly pointless endeavor. But ever since I started doing it (about two years ago), I’ve never been more productive. I can’t explain the psychology behind it, but it freakin’ works.

      Thanks for stopping by, Kraken. I really appreciate what you had to say.

  7. I personally like the clean something 15 minutes a day as it’s something that adds huge value that you don’t realize all the time. I find myself doing this and the financial benefits are huge. Not only am I freeing up my spare time on the weekends to enjoy my life, I save alot on maintenance costs because I see problems and am able to do minor repairs before it REALLY breaks and gets REALLY expensive to fix. I’ve owned my own home for 2 years and I didn’t think I was a handy guy before I bought. So far, I’ve been able to fix everything myself with utube and just monitoring daily maintenance issues before they turn into big problems. All that money I’ve saved by not hiring handy people has gone right into my investment accounts!

    • Mr. Groovy

      Haha! So freakin’ true. About two months ago I was straightening out the vanity below my bathroom sink and I noticed a drip coming from the faucet connection above. I think it took fifteen minutes to unbolt the connection, apply some plumbers tape, and then tighten the connection back up. Problem solved. If I only cleaned my bathroom once in a blue moon, however, that leak could have caused some nasty water damage. Like you said, finding small problems before they become big or monster problems is one of the side benefits of routine cleaning and maintenance. And don’t talk to me about YouTube instructional videos. Love them! Earlier this year I had some engineered flooring planks that separated from the concrete subfloor. Spent fifteen minutes on YouTube and found a great DIY repair kit. When the kit arrived, it took me all of five minutes to fix the problem. The kit cost me less than $40. How much would it have cost me to get a flooring expert to do the job? Way more than $40. Thanks for stopping by, Bill. You made my day.

  8. I love this list! Too many people try to make drastic changes or improvements to their life, only to fail. Breaking it down like this, into small daily tasks is so much more realistic.
    That being said, I’ve always tried to follow my own version of #1, which I call The Ten Minute Tidy. I’m terrible at sticking it to, though. So instead of spending 10 minutes washing the dishes today, it takes me an hour (or more) to do on the weekend. And I’d much rather be doing anything else than the dishes on a Saturday! But I’m not giving up. I’m going to keep trying the 10 Minute Tidy until it’s descend nature – then I’ll look to add more from your list of suggestions. Hopefully they’ll stick!

    • Mr. Groovy

      What a great idea. The Ten Minute Tidy! It’s amazing what you can do with ten minutes, especially if you do it on a regular basis. Tuesday is my bathroom day. And because I clean my bathroom every Tuesday there’s hardly any soap scum or hair to clean up. The end result is that I easily have my bathroom spotless in less than twenty minutes. Good luck with making the Ten Minute Tidy a daily ritual. I’m pulling for you, Amanda.

  9. Great list! Although I would argue for a least 30 minutes of exercise on most days! But hey, if you not doing anything at all just get in the habit. I also think cleaning is huge. I think people get weighed down by their stuff and mess and can’t do anything productive.

    • Mr. Groovy

      Agree totally about the 30 minutes of exercise. Mrs. G and I walk every day for 40-45 minutes. And I do bodyweight exercises every day. On M-W-F I get fairly ambitious and do about 30 minutes of bodyweight exercises. I chose 15 minutes because I didn’t want to scare anyone off. I’d rather someone do just a little exercise than be totally paralyzed by a seemingly unrealistic goal. And excellent point about the cleaning. I find that disorder and untidiness can kill my motivation. Why is that? We need to get the behavioral economists to study that one. Thanks for stopping by, Tonya. Always a pleasure hearing from you.

  10. I have never seen the millionaire’s checklist before. It’s like the charity commercials where you can sponsor a child or save an animal for a few pennies per day.

    I also like how you mentions our habits are our destiny. My wife says something similar to this, and its true. I like how your recommendations also include non-financial activities to reach Financial Independence. It truly is a “big picture approach.”

    • Mr. Groovy

      Nice analogy. A little investment, whether it’s money, exercise, or habit-building, really builds up over time. Thanks for stopping by, MB. And I love the way your wife thinks. Habits can either propel us or destroy us. It’s our choice.

  11. Great list. I can say I do all of these on a fairly regular basis except #1. I do wash dishes and put them away, but as far as cleaning a part of the house every day, I’m terrible at that. I just might have to implement this one and see how long I can keep it up!

    Thanks for sharing!

    • Mr. Groovy

      Cleaning is the hardest item for most people. And it certainly was for me. Mrs. G’s idea of putting together a schedule and being more systematic about cleaning really helped. It has kept us accountable and left our weekends free to do the things we really want to do. Thanks for stopping by, GFY. And keep me posted on how you do with the cleaning. I’m pulling for you.

  12. Thanks for the list! I read The Checklist Manifesto but, alas, I am not a list maker. But that’s ok because you made one for me!

    I particularly like the first two, clean something and exercise. Fortunately I am married to an exceptional saver so we are doing that and some of the others already. this will be helpful for my millennial nieces and nephews.

    • Mr. Groovy

      Hey, Mr. Grumby. I’m definitely not a cleaner or an exerciser. But I am a morning person. So I force myself to do the cleaning and the exercising before my day really kicks in. If I wait for after dinner, I’m sunk. Maybe it’s because I’m mentally done with the day at that time. I just can’t seem to muster the energy to clean or exercise. But everyone is different. If you’re a night person, cleaning and exercising at night would work better. Thanks for stopping by, Mr. Grumby. Glad you chose wisely on the marriage front. And glad you’re sharing your financial wisdom with your nieces and nephews. They might not get it right away, but eventually the light bulb will go off.

  13. I love this checklist! I especially need to remind myself to make meals at home. I do this, but it is a struggle every single day. My biggest daily financial obstacle is the urge to eat out. Ugh. I like to also get little wins in like cleaning stuff here and there as I go along. The idea of putting it on a checklist is an interesting idea. I just might have to add this to my list! 🙂

    Mrs. Mad Money Monster

    • Mr. Groovy

      I hear ya, Mrs. MMM. When I worked for government, hardly any of my co-workers brought their lunches to work. Eating out was ingrained into our culture. When I moved to the private sector, I was fortunate enough to work in an environment where everybody brown-bagged it. The only exception was pay day. So every two weeks we would go hog wild and hit Wendy’s or Subway. Oh, the simple joys of life. Thanks for stopping by, Mrs. MMM. And good luck with your biggest daily financial obstacle in 2017.

  14. Great list! I try to do most of those but I do trip up on the buying lunch once or twice a week. I think with any of these, if you make it as part of a routine, it will become part of your life and easily achievable. Thanks for sharing!


    • Mr. Groovy

      Haha! You’re not alone, Brian. We do the same over here is well. One of my vices is Taco Bell–I’m so ashamed–and I’ll hit that every couple of weeks or so. But as long as the dining out for lunch is in moderation, I think we’re okay. Thanks for stopping by, Brian. And thanks for sharing your not-too-serious financial flaw.

    • Mr. Groovy

      Excellent! The power of checklists lives! We did the same over here in Groovy land. We printed out the checklist and hanged it on our refrigerator. Items 5 and 6 no longer apply, but the rest still do, and we want to be constantly reminded of them. Thanks for stopping by, Wes. I like the cut of your jib.

        • Mr. Groovy

          Hey, Wes. It’s funny how phrases go out of style. When I was growing up, ‘cut of your jib’ was common. Obviously, now, not so much. Here’s another one for you. When I was growing up, calling someone ‘mental’ was a way of saying someone was acting stupidly. But I hardly ever hear that phrase anymore. In fact, the last time we heard it, about two years ago when a father was admonishing his son, we broke out laughing.

  15. What an interesting checklist. I am currently just turning 25 but i am able to put in more than $380 a month into my stock portfolio per month. I am trying to become a millionaire well before I am 65 but time will tell. It’s going to be a long journey but I am trying.

    • Mr. Groovy

      Thank you, Caleb. I love it! $380 a month? At 25? You’re well on your way, my friend. I wish I were as financially sophisticated at 25. Thanks for stopping by. It’s always great hearing from an Aussie whose got his financial act together.

  16. Your checklist is awesome, so is your infographic. But, you should put your website name on your infographic. Get that credit! Seriously. It will get pinned. (I pinned it because it’s awesome!) There may be people who see it but don’t click, but might be intrigued enough to click on something else they see later if they know it’s from you.

    I’m working on adding in the exercise. The cleaning is a great idea too. Life would be so much easier if we did that!

    • Mr. Groovy

      Thank you for your kind words, Emily. And thank you for the infographic tip. Didn’t think of putting the website on it. Mrs. G was working on adding it last night. I think she got it done. We’ll update our post today with the new and improved infographic. Good luck with the snow today. No accumulation down here in Charlotte. Roads look icy, though.

  17. I dig all of these (except the first one–not much of a cleaner). I especially like the point about figuring how much you need to save for a major goal. I figure passive income in relation to the number of hours of freedom it would buy me on an annual basis.

    • Mr. Groovy

      Whoa! I like that idea–figuring out how much your passive income will buy you in hours of freedom. Very cool concept. I’m going to have to play around with that. Once I’m done, I’ll compare that to how you do it. Thank for stopping by, Chris. You really gave me something to think about. Cheers.

  18. Fantastic checklist, Mr. Groovy. Love them all! I particularly like that they are very do-able. You break them down into manageable chunks. I can do anything for 15 minutes!

    I use the 5, 10 or 15 minute trick to work on the things I procrastinate on the most. I tell myself, just do it for 15 minutes, then you can stop. I usually do more but, even if I don’t, it’s still progress.

    Of course, I love #10 with all my heart.

    • Mr. Groovy

      Penny deserves a lot of the credit for #10. Loved her post about her kindness challenge and had to get that sentiment into the checklist. On one level, it isn’t about personal finance and financial independence. But on another deeper level it is. In the long run, good people will attract the kindness of others. “What goes around comes around.” And when you’re striving for financial independence, it never hurts to have your family, friends, and neighbors smiling upon you. Thanks for stopping by, Amanda. I love hearing from people who have adopted the 15-minute trick as well.

  19. Oh, I love this so much! I remember when I first started getting serious about saving for retirement (at age 21) that graph was one of the things I came across that really struck with me and I set out a goal to put $10-15 a day towards retirement accounts.

    I’m alllll about those daily actions!

    I’ve been working to practice gratitude and reach out more with people. It makes a world of difference!

    • Mr. Groovy

      Colin, I’ve said it before, I’ll say it again. You freakin’ rock. Saving for retirement at 21! You are so far ahead in the money game it’s scary. I love it. And you are so right about the daily actions. Do small, simple, financially friendly things repeatedly over several years and great fortunes will result. Thanks for stopping by, my friend.

  20. I love how this list is comprised of fairly simple things, but following it can make such a huge impact.

    But how are you supposed to read only ONE personal finance blog post per day? Once I start, I find myself wandering all over the internet reading awesome stuff from the bloggers in this community.

    • Mr. Groovy

      So true! There are so many great bloggers out there, providing such great content, that it’s impossible to just read one. The reasoning behind the one blog post requirement was that I didn’t want the checklist to be too intimidating. Most people can mentally handle a one blog post requirement. Say they got to read 5 or 10 and they may start hyperventilating.

  21. Great checklist! I do most of those things, even clean somethng daily, although with a 3 and 5 yr old and 2 dogs… It’d be horrid if I didn’t, lol.

    I echo the love for the “well manicured ape” comment, I’ll stash that in the brain for further use and reminder when is tart taking myself too seriously.

    • Mr. Groovy

      Glad you loved the “well manicured ape” comment. Please do stash it in your brain. But remember, it didn’t come from me (see my reply to Fritz above). It actually came from a professor I had my freshman year in college. It’s a great line. One of the few things I remember from college. Thanks for stopping by, Mr. SSC. Always great hearing from you.

  22. “Don’t take yourself too seriously. You’re not a celebrity. You’re not a tech titan. You’re not a Master of The Universe. You’re a well-manicured ape whose death will go completely unnoticed by all but a small sliver of humanity.”

    HAHA! Thanks for the great laugh!

    It took me a long time to learn this lesson. Ditching those negative vibes made a surprising difference. Thanks for the challenging post!

    • Mr. Groovy

      Hey, FS. I totally agree. Humility helps you focus on what’s important. Once you drop the ego, it’s amazing what you can accomplish. I didn’t learn this lesson until I was almost forty. Glad you learned it a lot sooner than I did. Thanks for stopping by, my friend.

  23. Great thoughts here! I love the checklist – its broken down in to easy actionable items to get you on your way to FI. I particularly like #6 on the finance front but #9 steals my heart. Keeping your childlike enthusiasm for life makes all the hard-core adulting a bit easier.

    • Mr. Groovy

      “Keeping your childlike enthusiasm for life makes all the hard-core adulting a bit easier.”

      What a great comment. You definitely have a way with words, Miss M. I’m going to have to remember this quote for my 2017 review. Thanks for stopping by. You made my day.

  24. I am so bad about cleaning. My poor husband is the tidy one and gets stuck doing all the cleaning. That is definitely something that I want to change in 2017. I also like how you mentioned that being healthy and able to enjoy retirement is so important. My parents and my husband’s parents are no longer able to enjoy hikes, skiing, and many of the things we enjoy now. I can’t imagine retiring and not being able to do those things. I need to make sure I maintain my health. Thanks for the insightful post!

    • Mr. Groovy

      I have the reverse situation in my house. Mrs. G is definitely less tolerant of filth than I am. What really helped us was devising a cleaning schedule. Every day of the week (M-F), we each have particular things to clean. Today, for instance, I have to clean the refrigerator and the downstairs floor. We used to wait until the weekend to clean. But that wore us out and ruined the weekend. Our current cleaning game plan is much better. The house is never immaculate. But it’s always tidy. Thanks for stopping by, Julie. Always a pleasure hearing from you.

  25. I apologize for running straight to the comments and perhaps missing another great insight before leaving my comment, but I really love #1! I’ve been doing that without even realizing. My days that start with breakfast and then some form of activity other than “get ready for work” are usually my most productive days of work, blogging, and generally LIVING, which is key!

    • Mr. Groovy

      No worries, my friend. Number 1 definitely sets the tone. For most of my life, especially when I was younger, I abhorred the morning. But then, sometime around my late 30s, I discovered that my productivity hinged on waking up early and doing things “before” work. And ever since I stumbled upon that secret, the trajectory of my finances and my life changed for the better–and in dramatic fashion. Thanks for stopping by, Mr. TV. It’s always great hearing from another morning person.

  26. The infographic is impressive, Mr. Groovy, and I think this wisdom applies to life in general, not just the FI niche.

    I could definitely use some more silliness in my life. And cleaning if I’m honest. 😀

    • Mr. Groovy

      I hear ya about the cleaning, TJ. But I got a loving taskmaster who makes sure I fulfill my assigned cleaning duties every day. Thanks for stopping by, my friend. And good luck with your quest to bring a little silliness into your life. Silly, when done right, is a great way to nourish the soul.

  27. This is a great all-around list of habits not just for FI, but for living well in general. I’ve definitely got the “do something silly” angle covered…that’s one of my best habits! But all the elements in your list are worthwhile pursuits and will set you up for a bright future.

    • Mr. Groovy

      Being silly is definitely cool. I’ve been silly a lot lately. I’ve been working on my dance moves for my nephew’s upcoming wedding. I swear to Mrs. G that I won’t embarrass, but she doesn’t believe me. Thanks for stopping by, Gary. It’s always great hearing from another silly person.

  28. Love the check list! Not only good for your wallet, but good for yourself and mindset. I agree we need to find a balance with humor, giving, health, self-improvement. Often people fall in line and become complacent, begin complaining and want others to fix our problems. That’s not someone I want to be or be around.

    • Mr. Groovy

      I hear ya about those who complain and want others to fix their problems. The sad truth is that for most people of this bent, their biggest problem is themselves. And I know this from personal experience. Up until my late 30s, I was a very accomplished complainer. Of course, “the system” was keeping me down. But as soon as I started to adopt the principles of financial independence, and as soon as I started to drop my jerky attitude, “the system” decided to start smiling upon me. Funny how that worked out. Thanks for stopping by, Brian. Always a pleasure. And good luck with the complainers in your life. They’re a tough bunch.

  29. I love it! All such good points. One thing I try to add each morning in review goals/habits/schedule. If I give it just a few minutes of focus it helps set the direction for the day. Otherwise I end up at the end of the day/month or even year and go, “Well, where the heck did that day go?” =)

    • Mr. Groovy

      Exactly! Just a little focus in the morning makes all the difference between a productive day and a wasted day. I’ve learned this is especially true without the rhythm of a 9-5 job. Humans do better with a little structure. I think I remember something from a really old book that pertains to this. Oh, yeah, now I remember. “Idle hands are the devil’s workshop.” Thanks for stopping by, Ms. M. Hope the Montana winter is treating you guys well.

        • Mr. Groovy

          Arrrgggghhhhh! I feel for you, my friend. I experienced some rough winters in Buffalo, but Buffalo winters pale in comparison to Montana winters. Haven’t seen snow in a number of years here in NC. The worse thing I remember about real winters was cold feet. That’s the worse. I can take the frozen nose hairs. But cold, wet feet? Don’t miss that. Hang in there. Hope your furnace is in good working order.

  30. “You’re not a celebrity. You’re not a tech titan. You’re not a Master of The Universe. You’re a well-manicured ape…” Laughing Out Loud! (I really shoudn’t be reading your stuff at work…boss will hear the cackle!). Great post. Wow, what a list!

    AND an infographic. Wow. Crushing it in your retirement, Mr. G. Great stuff! Happy New Year.

    • Mr. Groovy

      I love it, Fritz. Unfortunately, I can’t take credit for the well-manicured ape phrase. I had a professor during my freshman year at Buffalo University who wrote on our class syllabus that “any well-manicured ape should be able to get a B in this class.” Well, I got a D. But I never forgot how he distilled the true definition of man down to three simple words. Too funny. Glad I was able to bring some humor to your life today. Stay well, my friend. Talk to you soon.

    • Mr. Groovy

      I hear ya, FP. When I worked for government, very few people brought their lunch to work. When I started working in the private sector, very few people didn’t bring their lunch to work. So brown-bagging it my last nine years of gainful employment was fairly easy. I didn’t feel like a weirdo.

  31. This is such a nice life checklist, not just a FI list, but I guess the two go hand in hand since most FI-ers are trying to create their version of an ideal life. It all comes full circle.
    Some of your items come naturally to me, but silliness and work-related reading come in fits and spurts rather than daily, so those are the ones I need to put on my to-do list to keep them on my mind. Thanks!

    • Mr. Groovy

      Don’t be so hard on yourself. With your schedule and line of work, something’s got to give. There are only so many hours in the day. And while I certainly want you to be a little silly now and then, I don’t want you being silly in the ER. But being a little silly on one of your hikes, that’s a different matter. How about chasing after Mr. CBL for a minute or so with some bear spray?

  32. Totally different than a lot of the blah, blah checklists out there – very nice!!

    I’ve been focusing on the money-only aspect of reaching financial independence for a number of years, but I think this is the year to look at the other important parts as well. I have an office job and sit waaaaay too much. I’m going to try to at least do some walking on the treadmill every evening to get the ball rolling.

    Great post!!

    — Jim

    • Mr. Groovy

      If I had a child, and I could bestow this child with one of two things in life–honor or wealth–I would choose honor. Wealth is surely important, but honor is more important. I wouldn’t want a child of mine becoming wealthy by selling heroin or trafficking young girls. I’d much prefer my child to live a noble life and accumulate little to no wealth. Like you said, Jim, it’s not all about the benjamins. Staying healthy, being kind, enjoying life, and being honorable are just as important as being a financial rockstar. Here’s to a healthier, wealthier, and wiser 2017, my friend. It’s always a pleasure hearing from you. And good luck on the treadmill this year.

  33. Great Checklist. Many of these are already on my goal list. I might tweak one thing. Instead of saying read, I’d say learn. My personal goal is to learn one new thing each day. Reading may or may not be the outlet for that.

    • Mr. Groovy

      Excellent point. Mrs. G and I listen to a podcast every day during our walks. And they’re a great way to learn about anything–not just personal finance. Damn this list-making is hard! Thanks for the awesome suggestion, FTF. I owe you.

  34. I think this is a fantastic checklist! It’s funny because FI is all about questioning the mainstream and developing your sense of self–which can be achieved with many of these activities.

    I would add that you should take time to create or build something. That can take the form of journaling, cooking, drawing, etc. There’s nothing like the feeling of pride once you become a creator instead of a consumer.

    • Mr. Groovy

      Consider my mind BLOWN! Excellent insight, Mrs. PP. Somehow I got to incorporate creating and building into my revised checklist (perhaps habit #11). One of the things that troubles me most about the de-industrialization of America is that we build fewer and fewer things. There’s only one person in my social circle who actually makes something for a living. Everyone else provides a service. Of course, creating and building isn’t only limited to the workplace. But here too, the act of creating and building seems to be waning. How many Americans do you know have a workshop in the garage or basement? When I was growing up, workshops were very common. Practically every home on the block had one. Nowadays? Not so much. Sigh. I don’t think you can be fully human unless you create and build. Thanks for pointing out this glaring omission, Mrs. PP. I really appreciate it.

  35. Great great great ideas! I think if we kept these in the back of our minds everyday and made it a part of our daily routine, we’d hit our FIRE goals no problem. I’m trying to pick out ones in particular that I think are important (learning new skills & exercise), but really every item hits on such an important areas!

    • Mr. Groovy

      Agreed. If these habits can become an unconscious part of your daily routine, you’ll probably have a very rewarding life–financially and socially. Thanks for stopping by, SS. And good luck on the learning and the exercise this year.

    • Mr. Groovy

      Thank you, Penny. You really inspired me on the last two. People are more than their net worth, and not everything is about increasing your net worth. Having fun and being kind is important too.