I recently read an article in an on-line magazine focusing on the top habits of elite athletes. They were excruciatingly simple, but the simplicity belies their profoundness. These are the habits that make them excel and stand out.

Think Muhammad Ali, Rafel Nadal, Michael Jordan and Manny Pacquiao. These people were not champions in their field for nothing; what they are is an achievement prepared long before the fight, and discipline followed each step of the way. Reading the habits made an impact on me, an "a-ha" moment that these are the same principles in personal finance and they, too, can be applied with the same results.

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