24 | Basic Financial Literacy swi ge n’ l li f iccoavnetr wl aetaelrt hi na ct hc ue mb ou ol akt ,i oenx .p Tl ohries s pvhaarsi oe ,u ws ha vi ceh- na nu de sr, estui rc ehma se ns tt oacckcso, ubno tnsd. sE, arceha loef stthaet es e, ma vuet un aulefsu pn rdes-, st he en trsi gi thst rmi sikxst ahna dt arlei gwnasr wd si t, ha nydo ut hr ef ikneayn lci ieasl igno fai lnsdai nn dg risk tolerance. T HE A RT OF C REATING THE H ABIT : E MBEDDING F INANCIAL D ISCIPLINE n e wF ,o rpmo si intgi v ea rsoauvti innges i hn at ob i yt oruerq ul iifree. sR ee ms ebaer dc hd i inngd ia- ct oa t teaskae nreowo th. aTbhi ti st apkeersi ot wd eins t yc -roi tni ceatlo; fi to’ rs t yw- fhi ev reed at hy es sf oeceudss sohf oyuoludr bf ue tounr es mf i naal ln, cmi aal nsat ag be ai l bi tlye aarcet isoonws ni n. Tt hh ee ec ea nr ltya gdea yosf . eI at cmh i pg ha yt cmh ee ca kn isnettot i na gs aavs ii nd ge saafci cxoe ud npt eorr- ci nuittti ianl gpbe ar icokdoins cneortt at oi nalmu xaus sr i ae sl .aTr ghee sgaovailndgus rbi na gl atnhci es otivceeronfigsahvtibnugt. to cultivate a regular, disciplined prac- o tr n a i t T n h h i e n e r g e e m g fo u p r l a h a r a i s m t i y s a o r i f n a y t t h o h o u e n r s . s e a Y f v o ir i u n s t g s f t a e a c w r t t i o w w n e i s t e . h T k s h s h i s n o h k r o t o u f r l d u it n b a s e s , gl arral dy ,usaal lvyi nbgui isl da ibnogu tubpu si ltdaimn gi nf ai n aa nn cdi adl issttaamn ci ne a. —S i mt hie- ahboiwl i t ys mt oa l lc otnhsei s at emnot luynst .e tOavseird et i mmeo,n et hy e, sneo rme gaut tl ae rr
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