10 Simple Habits of Money-Smart Individuals
10 Simple Habits of Money-Smart Individuals
Master these successful money habits to boost your wealth.
By Tracie Fobes January 22, 2021
Mark Cuban. Warren Buffett. Michael Bloomberg. Most people will never be as rich as the world’s wealthiest billionaires, but you can still learn from their smart money habits. From ditching debt to paying bills on time, fiscally savvy folks have developed good habits and plans that keep them in financial shape. And with a little effort, you too can master their tricks for managing money. If you’re looking to break bad money habits and get on more solid financial footing, follow these fiscal tips from the pros.
Have a Written Budget
Many people have a budget — sort of. They know who they have to pay each month and how much. However, they don’t have anything in writing. When you have a written budget, you see exactly where your money is going. Best of all, you can direct your money where you want it to go. Your budget is your roadmap to financial success, so make sure you include every single expense. Don’t forget about that coffee you grab on the way to work or the money you spend on parking every day.
Pay Down Debt
Take the steps necessary to pay off your debts. You will need to create a debt payoff plan to make it happen. Start by assessing the types of debt you carry and determining what might be paid off first. Your credit card debt should be the first thing you look at. In addition to possibly carrying a high interest rate, it typically has variable rates. Because credit cards are revolving debt, if you only make the minimum payment required each month, you may not be able to pin down an end date for your debt.
Consolidating revolving debt into a personal loan lets you lock in a repayment term. In other words, you define an end date to that debt. Plus, by consolidating higher-rate debt you may save money on interest. A Discover® personal loan offers annual percentage rates between 6.99% and 24.99%. And with a fixed rate Discover personal loan, you won’t have to worry about increasing interest rates.
It might take some time, but you can pay off debt if you’re diligent.
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What Backs the US Dollar? Not Gold Not Silver
What Backs the US Dollar?
So what backs the US dollar, if not gold or silver? The answer has been the same since August 15, 1971: nothing physical. The dollar is a fiat currency — from the Latin fiat, meaning “let it be done.” Its value rests on a government declaration that it is legal tender. Beyond that, it rests on trust.
Rob Cunningham: What if the Greatest Wealth System in History is Being Created
10-14-2026
WHAT IF THE GREATEST WEALTH SYSTEM IN HUMAN HISTORY IS BEING CREATED – RIGHT BEFORE OUR VERY EYES?
What if we’ve spent 15 years arguing about the price of XRP while overlooking the extraordinary possibility of what it was engineered to DO?
What if payments were merely the beginning?
Scott Bessent, Gold & The Iraqi Dinar… Is Something BIG Coming?
The Dinar Den: 10-13-2026
The global financial landscape is currently undergoing a period of significant transformation as policymakers and economists reconsider the foundations of modern monetary systems.
Recent discussions, such as those featured on The Dinar Den hosted by Stephen, suggest that we may be approaching a global financial reset.
Bruce’s Big Call Dinar Intel Tuesday Night 10-13-26
Transcribed By WiserNow Emailed To Recaps (INTEL ONLY)
Welcome, everybody, to the big call tonight. It is Tuesday, October 13, and you're listening to the big call. Thanks for tuning in, everybody. Again, and we appreciate that very much.
All right. Let's dig this. Let's go into the intel segment, and I got a lot of information yesterday, primarily, and some today. And so the biggest thing we're trying to do is confirm what we're hearing from various sources of our sources.
Good Afternoon Dinar Recaps,
GLOBAL FINANCIAL RESET WATCH: UK CALLS FOR FUNDAMENTAL REFORM OF THE GLOBAL FINANCIAL SYSTEM
Britain is pushing for a new approach to developing-country debt, private investment, and climate resilience as international leaders confront growing financial pressures and debate the future of global economic cooperation.
TNT:
Tishwash: The Association of Private Banks reveals three pillars for banking reform.
The Association of Private Banks revealed on Monday three pillars of banking reform, noting that the banking reform plan is reviewed every six months.
The association’s executive director, Ali Tariq, told the Iraqi News Agency (INA): “The Central Bank has launched a central reform plan for 2025-2027, and this plan concerns private banks, which must implement it on several axes, including governance, the work plan, financial indicators, in addition to compliance and combating money laundering.”
BOND MARKET CRISIS: Is the U.S. Secretly Preparing for a Gold Reset? | Andy Schectman
Liberty and Finance: 10-13-2026
America added more than $2.3 trillion in debt in a single fiscal year, while annual interest payments have climbed to $1.1 trillion.
Andy Schectman warns that rising Treasury yields could trigger a chain reaction across stocks, banks, pensions, and real estate.
Ariel: For those Who Want to Know
10-14-2026
Iraq’s 2027 budget is written in IQD because that’s the endgame sovereign currency, gold-backed, revalued, black market eliminated.
But you don’t get there overnight. Right now Iraq still runs a dual-currency economy. USD circulates alongside IQD.
The black market exchange rate exists because there’s a gap between the official rate and the street rate. That gap is the problem.
Reset Intelligence: Who Is Joining Iraq's Government?
By Reset Intelligence | @EXIT_FIAT
On Thursday Iraq's parliament votes on the last empty seats in Prime Minister Ali al-Zaidi's government, and on four new deputy prime ministers.
One of the nominees put forward is Laith al-Khazali, a senior figure in Asaib Ahl al-Haq whom the US Treasury sanctioned in 2019.
CBI Defends Dinar Devaluation, Cites Strong Reserves
2026-10-13 / 04:06 Shafaq News- Erbil Iraq’s recent dinar devaluation was the best option to protect foreign reserves from an oil revenue shock, although the country still holds enough reserves to cover at least a year of imports, Central Bank of Iraq (CBI) Director General of Statistics and Research Samir Fakhri Nima said on Tuesday.
Speaking at the Middle East Research Institute’s MERI Forum 2026 in Erbil, Nima said disruptions around the Strait of Hormuz had sharply reduced oil revenue, with the effects emerging in May and June because of deferred payments for oil sales. He put oil’s share of government revenue at more than 93%.
Good Morning Dinar Recaps,
GLOBAL PAYMENTS RESET WATCH: IMF AND WORLD BANK LAUNCH NEW FRAMEWORK TO FIGHT DIGITAL FINANCIAL FRAUD
The new Bangkok Blueprint calls for stronger international cooperation to protect digital payments, strengthen financial security, and preserve public confidence as money moves through an increasingly connected global system.
16 Retirement Mistakes You Will Regret Forever
From saving too little to taking withdrawals from your retirement account too early, there are plenty of ways that current and future retirees can sabotage their golden years.
By Bob Niedt Contributions by Kathryn Pomroy, Alexandra Twin Last updated October 7, 2026 In Features
As more and more baby boomers and Gen Xers anticipate a happy retirement, thoughts turn from worry over the workday slog to concerns about how to bankroll their golden years. How prepared are you? How much money do you need to retire? The 2026 Planning & Progress Study by Northwestern Mutual says that number is $1.46 million.
MilitiaMan & Crew: Is Iraq’s Economy Finally Turning? | Daily IQD Analysis
10-13-2026
The Crew: Samson, PompeyPeter, Petra, Daytrader, Sunkissed, GIGI and Militia Man
Straight reporting on Iraq’s economy. CBI policy, the budget, oil, banking reform, and the exchange rate — read clean and interpreted without the noise. This channel started as daily phone calls to Mom with the latest dinar news. After she passed in 2022, I built a team so that same standard could keep going for everyone following the story.
KTFA
Tuesday Night Video
FRANK26….10-13-26…..19th TO THE 24th
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
Al-Aboudi: A Government Plan To Reach The Dollar Price In The Parallel Market To 1550 Dinars
Money and business Economy News _ Baghdad The spokesman for the Iraqi government, Haider al-Aboudi, on Wednesday, a government plan to reach the price of the dollar in the parallel market to 1550 dinars, while pointing out that the previous transfers to adopt the current exchange rate was secured allocations in light of the previous price.