Personal Reflection: The Behavioral Core of Financial Success

**Core Idea**: Wealth comes from behavior (humility, patience, saving consistently), not smarts or strategies—like a janitor building $8M vs. an MBA going bankrupt.

**Key Lessons**:

- **Avoid errors**: Preventing disasters > chasing wins.

- **Ditch budgets**: Willpower fails; use auto-savings instead.

- **Personal wins**: Doubled net worth in 5 years via habits, ignoring FOMO/hype.

**Housel's Wisdom**: Act like money lasts forever, spend like it won't. Psychology beats tactics.