| Frugality, or a commitment to saving, spending less, and sticking to a budget Confidence in financial management, investing, and household leadership
 Responsibility, which involves accepting your role in financial outcomes and believing that luck plays little role
 Planning, or setting goals for your financial future
 Focus on seeing tasks through to their completion without being distracted
 Social indifference, or not succumbing to social pressure to buy the latest thing
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