What is the value of a good habit? Think of some daily habits, like brushing your teeth, or buckling a seat belt, or flushing. All of these habits have value important to some part of life. Failing to follow through on some habits can lead to some nasty results, and those results could cost us our lives.

Now, transfer the idea to financial habits, like saving a little money each month, or regularly adding to your 401K or IRA. You will realize that the financial value of good habits can be quite high. On the other hand, if we fail to develop good financial habits, the cost can really build up over time. Most people don