I am fortunate that the company I work for has a generous matching program. I don't want to leave free money on the table.

I am placing my funds in a ROTH account. Looking forward to enjoying tax free growth.

I completely agree about creating habits. The hard part is that we often have to tear down the bad habits (also ingrained) before we can build the new, improved ones.

I am teaching my kids that investing is using money to make money. It has to be put to work.