Owen Raskovich

I'm not saying that I've got it right.

That's just how I approach it.

And that's how I approach my finances.

It's the same way.

And we've talked before, and I've used this quote too many times.

The chains of habit are too light to be felt until they're too heavy to be broken.

But you can break bad habits.

Don't let that quote fool you.

You can break bad habits.

It just takes time.

It takes setting short-term, I guess,

we could use the word goals but i'll use the word systems so maybe you can set a goal that's a daily goal and every time you achieve that mark that off on your calendar or give yourself a pat on the back you know you read for 15 minutes today you learn about finance you did whatever you saved five dollars today and put it in the piggy bank cool that's a daily thing that you can come back to and eventually that will snowball into something much more bigger

Much bigger, sorry.

Okay, so good habits crush good budgets.

And there are many ways you can form good habits.

I don't have time to go through them right now, but you can jump onto any of the websites devoted to psychology and work that out.

The last one, and this is related to point four, I guess, in the way that it's related to psychology.

And it's that I believe EQ trumps IQ in investing.

EQ and IQ.

What do I mean by EQ and IQ?