Money comes and money will go, but the appropriate precautions coupled with self discipline will ensure financial stability in any circumstance. The best lesson I have learned is to save at least 30% of my income for short term, mid term, and long term financial goals. When it comes to creating money habits, we are constantly battling against ourselves and our need to satisfy our immediate gratification cravings. Although money is a necessary tool to survive in today’s society, I have realized the money is only worth the value that you give it. Once I recognized that money is simply a tool and will never be a source of true happiness, I was able to control my spending impulses and build my savings with ease.