We’ve all heard that statistic that says “The most common cause of divorce is disagreements over money.” While this may very well be true, it doesn’t have to be true for you.
Mike and I have always been on the same page about money and finances from day 1. A month after we started dating, I gave him the Dave Ramsey financial peace CD set for him to listen to on his way to work. Maybe we are both just weird, but somehow, he did not run away from me.
He started to really get into the whole Dave Ramsey way of life and even read a couple of his books. Whenever we were in the car together we would listen to Dave’s podcasts. It became normal for us to say “What would Dave do?”
Being so open and forthcoming about financial topics early on in our relationship opened the door for conversations about our own personal finances, goals, and ideas.
“For every person climbing the ladder of success, there are ten waiting for the elevator.”
“Success can only occur when opportunity and preparation meet.”
“Some want it to happen, some wish it would happen, others make it happen.”
1. Wake Up Early & Implement a Morning Routine
“Early to bed and early to rise, makes a man healthy, wealthy and wise.”
The majority of successful people I’ve read about get up very early. For a lot of people, this is the only time of the day they get to themselves. Your morning sets the tone for the remainder of the day. If you’re stressed and running late then chances are, this is how the rest of your day will go. However, if you wake up early, you have a leisurely morning where you get to conquer the morning, the morning doesn’t conquer you.
Reading various memoirs and biographies of successful people, I’ve learned most of them wake up about 3 hours before they start their days “work”. In addition to waking up early they also get caught up on news, eat a healthy breakfast, exercise, meditate or pray, and write in a journal.
I’ve been practicing this same routine for the past 3 years and I can attest to the fact that it really does work. 5-8am is my favorite part of the day and I’m happy to say that I’ve never had to hit the snooze button.