The creators say our habits have more of an impact on our finances than the money in our bank account. Successful management of your personal finances is learned behavior, they explain, and is very much based in your financial habits and awareness. Our financial habits are the standards, routines, and practices that we rely on to navigate our day-to-day financial lives. That is the important part, that she takes the steps to change her financial habits," Lucas says. "Building good financial habits takes time," says Sarayi, "and for many of us, it does not happen overnight."

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Persons: aren't, —, JoJo, Olayinka Sarayi, Fredia Lucas, Sarayi, Lucas Organizations: Service, City, Spotify Locations: New York City, New York