She found that six behaviors, which she called “wealth factors,” are related to net worth potential, regardless of age or income:
- Frugality, or a commitment to saving, spending less, and sticking to a budget
- Confidence in financial management, investing, and household leadership
- Responsibility, which involves accepting your role in financial outcomes and believing that luck plays little role
- Planning, or setting goals for your financial future
- Focus on seeing tasks through to their completion without being distracted
- Social indifference, or not succumbing to social pressure to buy the latest thing
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