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Haroon recalled what his mom had always told him, "It's the little things that count." As a star soccer player on his college team, Haroon had always applied this maxim to how he prepared for the college soccer season. He always made sure that he spent extra time on his "short game," knowing that his decision making in the immediate area would have a significant impact on what happened further down the field. He was now starting to realize that his mom's valuable lesson could also be applied to his finances.

As a busy college student, Haroon often found himself scrambling to organize his day. As such, his spending habits were not as good as they could be$.$ On a weekly basis, Haroon spent around $$125$ on coffee, lunch, dinner, vending machines, and cash purchases that he did not keep track of$.$ Harooon realized that he needed to get better at tracking, and reducing, his expenses.

Haroon's mom had also told him that money accumulates when it is invested and earns interest. Over a long period of time, money can grow substantially because interest is earned not only on the deposited funds but also on the interest that has already accumulated. The lesson is that saving even a small amount per month or year at an early age can enhance your wealth over time.