Lavo on Instagram: "1. They know where their money goes: First thing’s first – they track their spending. Not in an obsessive way, but they have a clear idea of monthly cash flow. Apps like Mint or a simple spreadsheet, they regularly check their accounts. No sticking heads in the sand – knowledge is power (and net worth 😉). 2. They pay themselves first: The moment that paycheck comes in, they move a chunk into savings or investments before paying any other bills. It could be 10%, 15%, or whate