1. Create more than you consume.. for example, watch tv less and work on something you enjoy, 2. Create distance from the wrong people 3. Create an "I can do this" file 4. Show gratitude 5. Automate savings and investing 6. Write down your financial goals 7. Audit these three buckets, fundamental, fun and future.. 8. Learn something new about money weekly 9. Stop caring about opinions 10. Understanding the "yes" trap.. learn to say "NO" 11. Invest in yourself