text:  They don't have extra money because they find a way to spend it. What's amazing, though, people, when they get started in their life, their career, their first job, many times they go out and start buying all these things, living up to a lifestyle that's actually above the paycheck they already have to start with, and they're behind from the start. Right. And the hardest part is to give up things to organize and get set with what your normal is with those habits in place, then build. Right.