It’s not magic, and it’s not luck. Debt-free people develop and maintain a set of deliberate habits that put their financial health first. What’s more, they leverage tools and resources that make those habits easy.
Debt-free people don’t waste money, full stop. That’s because they always know what’s going on in their financial picture and are in control of their spending.
Debt-free people have learned not to afraid of buying high-quality items or experiences. If something they want is expensive, they create a savings plan to pay it.