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"Age 13 is the average age they began researching or talking to others about financial planning". Furthermore, more than half already have a savings account, so they're in the habit of saving.
"I am in the habit of saving legs," he said.
Americans are clearly not in the habit of saving.
My habit of saving statements from funds that have already been sold is probably overkill.
"However, the habit of saving is more important than the amount saved.
But there is another compelling reason to get into the habit of saving.
"The goal is to establish a behavior and a habit of saving," Mr. Downin said.
Get into the habit of saving your files and doing the git commit step often (i.e. every 15 minutes).
"Building the habit of saving early means you'll continue it further down the line," says Cliff Gilley.
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"I think the biggest mistake is not learning the habits of saving properly early because saving is a habit," Buffett said.
Tracing the development of such behaviors across three continents from the nineteenth century to today, this book highlights the role of institutions and moral suasion in shaping habits of saving and spending.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com