One habit the wealthy have is that their bills are all paid automatically. They don’t have to think about them.

They don't have to worry the end of the month to see if they have enough money left from their $12 an hour jobs to pay the rent, food, clothes for the kids, the phone and internet they need to stay a part of today's world, car payments, or bus pass, and a student loan from trying to follow their passion.

All of that takes a lot of planning, causes a lot of anxiety, which eats up enthusiasm, and is exhausting. It’s difficult to feel you can do anything, especially if you have kids.