Replace warm showers with cold ones.

Facilitates wellness by changing immune, lymphatic, circulatory, digestive systems. Boosts metabolism. Combats depression via endorphin rush.

Go to bed early and rise early.

Better cognitive function in planning; anticipation, minimization of problems; improved health and quality of sleep; more optimistic, satisfied, and conscientious.

Save 10 percent or more of your income.

Pay yourself long-run first.
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