If you want to build wealth and be financially free, you need to master the art of money habits. This means adopting certain behaviors that help you save, invest, and grow your money. You don’t have to do everything in this list all at once, but try adding one new habit each month until most of them are part of your daily routine. — Spending time on your budget Budgeting is an important part of managing your money. When you spend some time on your budget, you can see where your money is going and figure out how to make the most of what you have.