7 Habits of Highly Financially Intelligent People (And You Can Follow Too)!

7 Habits of Highly Financially Intelligent People


Let’s face it, we all want to be financially stable. But not just stable — bright. If you’ve ever wished there was a roadmap to financial intelligence, you’re in luck. Our guide on “7 habits make you financially smart” does just that. It deciphers the secret codes of the wealthy and successful, providing you with a blueprint to follow.

Habit 1: Setting Financial Goals – The Beacon of Your Financial Journey

As a lighthouse guides ships, your financial goals will guide your money management. But how do you set financial goals that will make you financially savvy?

Firstly, establish what you want to achieve financially. Is it buying a home? Saving for retirement? Once you have an idea, it’s time to set SMART goals — Specific, Measurable, Achievable, Relevant, and Time-bound.

Habit 2: Crafting a Budget – The Blueprint of Your Finances

Crafting a budget is a habit that can skyrocket your financial intelligence. Think of a budget as a financial diet plan. Just as you control your calorie intake when dieting, a budget helps you control your spending.

There are several budgeting methods, each with pros and cons. The key is finding a method that works best for you. Some of the most popular include the 50/30/20 rule, the envelope system, and zero-based budgeting.

Habit 3: Building an Emergency Fund – Your Financial Life Jacket

An emergency fund acts as your financial safety net. It’s a stash of money to cover unexpected expenses or financial emergencies. Whether it’s a car breakdown, medical emergency, or sudden job loss, an emergency fund can be your saving grace.

Habit 4: Paying Yourself First – The Cornerstone of Wealth Accumulation

This habit is the cornerstone of wealth accumulation. It’s about treating savings or investments as essential as any other bill. You ensure that your future financial goals are met by putting aside a set amount from your income before anything else.

Habit 5: Investing Wisely – The Golden Goose of Your Finances

Investing can seem daunting, but it’s an essential habit of the financially smart. By investing your money, you’re allowing it to grow over time. Understanding different types of investments, their risks, and returns can help you make smarter financial decisions.

Habit 6: Continual Learning – The Key to Financial Enlightenment

Just as a plant needs sunlight to grow, your financial intelligence needs continual learning. This could mean reading books on finance, attending financial seminars, or seeking advice from financial advisors. The more you learn, the more you grow.

Habit 7: Living Below Your Means – The Secret Weapon of Financial Success

Living below your means is the secret weapon of the financially smart. It’s about spending less than you earn and avoiding the trap of lifestyle inflation. By mastering this habit, you’re paving the way for a stable and secure financial future.


Q1. Can anyone become financially smart?

Absolutely! Becoming financially smart isn’t about how much money you make but how you manage it.

Q2. How do I start becoming financially smart?

Start by setting financial goals and crafting a budget. Then, build an emergency fund, pay yourself first, invest wisely, continue learning, and live below your means.

Q3. Can I become financially smart without investing?

While it’s possible to be financially smart without investing, investing can significantly accelerate your financial growth.

Q4. How much should I save in my emergency fund?

The general rule of thumb is to have 3-6 months’ worth of living expenses in your emergency fund.

Q5. What’s the best budgeting method?

There’s no one-size-fits-all answer. The best budgeting method depends on your financial situation, goals, and personal preferences.

Q6. What are some good resources for learning more about finance?

Books, online courses, podcasts, financial advisors, and even blogs can be excellent resources for learning about finance.


The journey to becoming financially smart isn’t about quick fixes or get-rich-quick schemes. It’s about developing habits that foster long-term financial growth and stability. Adopt these seven habits today and watch as your financial intelligence soars.

  • Adam Grant

    Adam Grant is a highly qualified writer with a solid educational background in finance, holding a Bachelor's degree in Economics and a Master's degree in Business Administration (MBA). With his expertise in financial matters and a deep understanding of investment principles, Adam shares his insights to educate readers on the importance of financial literacy and smart investing strategies. Additionally, he has pursued courses in health and wellbeing, allowing him to offer a holistic perspective on achieving overall wellness in conjunction with financial stability.

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