Benjamin Franklin has said that “There are two ways of being happy: we must either diminish our wants or augment our means”. The same principle can be applied with our finances: “There are two ways to grow rich: we can either diminish our expenses or augment our incomes”. Good financial habits include both budgeting and investing. Budgeting enables to spend fewer thus decreasing our expenses. Investing is about spending better to increase our incomes. Decreasing unnecessary expenses brings immediate savings that if well invested can bring wealth in the long run.