How To Help People Break Bad Financial Habits

How do you help people break bad financial habits?

It is difficult to try to get people to break bad financial habits. The approach that we take is to work indirectly. I'm of the opinion that if an individual has goals, and those goals can be short term, intermediate term, or long term, they can achieve those goals if you can help them apply discipline. What I tell people is money is a tool. It's a tool to help you achieve your goals. If an individual can buy into that view, then they can be on the right path to handling their personal financial lives in a more intelligent manner, getting out of bad financial habits.