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Replace warm showers with cold ones.

Facilitates wellness by changing immune, lymphatic, circulatory, digestive systems. Boosts metabolism. Combats depression via endorphin rush.
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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.
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Save 10 percent or more of your income.

Pay yourself long-run first.
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