The last episode of season 1 of the "Bad at Math, Good with Money" podcast discusses the importance of having habits and routines in managing finances. Dr Tamara Dias, the host and a Certified Financial Social Work Educator, talks about how habits and routines are essential in holding oneself accountable for financial goals. She emphasizes the significance of payday or paycheck routines and shares her own process as an example. Dr. Dias also encourages listeners to create their own routines, even if they have varied incomes.