<prompt> Human: Ive found that most life changes start with finding a little habit that is easy to integrate and easy to stick with. This little change is the fingerhold that balloons into great lifestyle changes. So, with finances, what was your first little victory? Bringing your own lunch? Putting as little as 50 away every paycheck? Sneaking flasks into bars whenever you go out? thats mine. I think a thread of easy-to-implement lifestyle changes would be beneficial to people getting started on their financial journey!  <response>: Quitting alcohol and tobacco. 