When it comes to personal finance, consistency beats complexity. You don’t need to be a stock market genius or earn six figures to build real wealth—you just need the right habits.

Here are five evergreen money habits that can change your financial life over time:

1. Pay Yourself First

Before paying bills or spending, save at least 10–20% of your income. Automate it. Your future self will thank you.

2. Track Your Spending

Use apps like YNAB or Monarch Money to track every dollar. Awareness is the first step toward control.

3. Avoid Lifestyle Creep

As income grows, most people start spending more. Resist the urge—invest the difference instead.

4. Invest Consistently

Open a Roth IRA or contribute to your 401(k). Focus on index funds and don’t try to time the market.

5. Avoid Bad Debt

Credit card debt = compound interest working against you. Pay your balance in full or don’t swipe.

Wealth doesn’t happen overnight. But small smart moves, made consistently, will compound into financial freedom.