Most people don’t realize that wealth is a mindset, and the habits you follow determine your financial future. Today, Kris Krohn and Steven Miller break down 15 habits that keep people poor and the 15 habits that set the wealthy apart. From waking up late to spending money before you have it, these patterns can keep you stuck—unless you make a conscious shift. Take notes, reflect on your habits, and start making the choices that lead to financial freedom.