Great article :) I grew up in a very poor family that moved around constantly because we didn't pay rent, got water and electricity switched off etc. all these things...I was lucky that somehow I started to get interested in personal development in my early 20's, then I gotten into personal finance and wealth creation etc. I agree on the daily habits part - I have learned what good and bad habits are and while I am still anxious around the money topic I am wealthy, no debt and can save each month. I also ask myself 30.000$ questions, however I still do belive those 3$ questions matter - to a point. It makes me aware of how I am spending money and those small 3$ questions / choices can really add up... .