You might think that if you win the lottery or get a huge raise, all your problems will be solved. Sounds logical, right? Well, it might sound logical, but it isnt. Having a bigger bank account will not make all of your problems disappear. Why? Because money is nothing more than a giant magnifying glass. Any problems you have with money only get bigger when you have more of it. There are people who earn $150,000 a year who have huge money problems because they have never learned how money works.

So, if you are want to implement another top wealth creating habit in your life, learn how money works while your bank account is still modest. Deal with any out-of-control spending habits, plus any fear of loss, fear of risk and fear of money issues you might have. If you start small, youll be able to make a lot of mistakes without it costing a bundle.

You see, if your bank account is large, chances are that you will want to play big with your moneybuy large things, invest large sums and take huge risks. If youre not well-educated about money, though, or dont have a lot of experience yet, huge risks can equal huge loss. But if your bank account is small, youll be more inclined to learn how to handle your money carefully and frugally, which minimizes your down-side. Sam Walton, founder of Wal-Mart and Sams Club stores, always proclaimed that if he controlled his expenses (i.e. kept it small), he could afford to make a lot of different mistakes.

So if you think that you have to wait until you win the lottery to start learning about money, think again. Now is the time to start, while its all very small. You cant hurt yourself too badly when your bank account is small, and you can learn a whole lot. Its never the size of your bank account that mattersits how you deal with money, no matter the size of your bank account. And in this case, the size does matter and smaller is better. Good luck on implementing this top wealth creating habit!