All the personal finace foundations build on each other – #8 continues with the concept that personal finance is much more about behavior than it is about the numbers. Figuring out the basic principles that put you on the right path to financial success is the easy part! It is following through with the behaviors and habits that is the hard part. Most people know that contributing to a 401k is a good idea but so many don’t follow through with the behavior to make it happen. How many people this year blew right past April 15th and did not fund their 2007 Roth IRA? How many people spend more than they make? If I had to pick who was to be better off financially: a CPA with bad financial habits and a recent college grad with good financial habits I am always going to pick the recent college grad! You can’t make up for bad habits with better financial knowledge.