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Why Habits Matter More Than High Income

Earning more money does not automatically lead to financial stability or wealth. In this episode, we speak with Oreofe Olamoyegun, CFA, on why delayed gratification and strong financial habits matter more than income when it comes to building long-term financial security. Oreofe draws from his experience in investment banking and financial advisory to explain what delayed gratification really means in everyday money decisions, why even high-income earners can struggle financially, and how discipline and consistency can help individuals build wealth over time. The conversation also explores the role of budgeting, the power of small daily habits, and how early adopting good financial practices can make a meaningful difference.