Financial independence did not come from one exceptional investment or a single breakthrough decision. It was built through ordinary habits, repeated consistently over many years.
I have written about those habits before. This worksheet is different. It is not meant to be read once and set aside. It is meant to be worked through, honestly, with your own numbers in front of you.
Seven habits, each with a short explanation of why it works, two questions about your own financial life, and one thing you can do this month. Most people find they are already practicing three or four without giving themselves credit. The value is usually in the ones they are not.
It is free, there is nothing to buy, and you do not have to give me anything to read it.
Download the worksheet (PDF)The longer essay behind it is here: The Habits That Built My Financial Independence.
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