Dear Ruchi, I have been focusing on creating better habits in all areas of my life this year. It’s time I finally make self-care a priority. While I’m ready to dedicate my time and energy to healthier habits in terms of diet, exercise, and mental health, I feel unclear on how to implement healthy money habits. With financial security being one of my biggest goals this year, I want to make sure I weave my finances into my healthy habit-making as well. What can I do?